Florida Car Insurance Companies

Miami Beach, Florida – We will see many images in Florida involving Spring Break. Be it Orlando, Tampa Bay – St. Petersburg or West Palm Beach, cars will be all over the highways. Florida Residents will want to find cheap car insurance so we make it is easy. We do the work for you so you don’t have to shop around. Remember by Florida State law, Drivers are required to have insurance on their cars. Florida State Law requires a minimum cat insurance coverage of $10,000 for personal injury protection or PIP and $10,000 for property damage liability also known as PDL.

Car Insurance Companies in Florida

Our website will help Drivers abide with Florida’s state laws for the proper amount of Car Insurance. Also Florida Car Insurance Companies will provide $20,000 bodily injury liability (BIL) per accident coverage if the policyholder has been involved in a crash, or has been convicted of a certain offense. The quotes from Florida Car Insurance Companies on our website will offer at least the minimum coverage for your auto or SUV. The Florida Insurance Companies on in our Zip Code Box above have Quotes for All Florida Cities

Insurance Companies of Florida with Quotes Online for Cars

If you are new to the Miami Beach, or any City, you will need to register your car or truck and acquire insurance. New Florida Drivers may notice the expression, “Florida Coverage” when searching for car insurance. This plainly suggests that your car insurance policy must be issued by an insurance company that is licensed by the Florida Department of Financial Services. New Florida Drivers may hear about Florida’s “no-fault” insurance clause while seeking Miami car insurance. Well, in Florida, the no-fault policy should cover the medical bills. Usually, in a no-fault situation each driver’s medical expenses would be covered by their insurance policy.

Florida No Fault Insurance Coverage for Cars

Under Florida No Fault Insurance law both drivers must carry insurance for their own protection, and their ability to sue other drivers for damages is regulated by certain limitations. Yet regarding the subject of property damage, it will usually be covered by the at fault party’s Florida Car insurance Company. The reason this is important for Miami Drivers buying car insurance in Florida, as it may influence Motorists to obtain higher limits than the minimum required rate.

Finding Florida Car Insurance Companies Online

Recent headlines show Florida lawmakers have prevailed in passing a compromised car insurance reform bill. This Florida Car Insurance Bill is expected to render savings for the average Miami Motorists by reducing coverage provided by minimum policies. The result was that the House voted 80-34 and the Senate voted 22-17 which sends this proposal to Florida Governor Rick Scott for approval. If this Florida Car Insurance Bill is passed the adjustments would be law in July 2012.

Changes For Florida Car Insurance Companies Coverage

If Florida Governor Rick Scott passes the proposed changes; all Florida motorists are required to carry at least $10,000 in personal injury protection (PIP). However there will be some adjustments on what is covered under a basic PIP policy.

PIP Florida Car Insurance currently covers the following, up to the policy limits:

  • 80% of reasonable medical expenses
  • 60% of loss of income
  • Up to a $5,000 death benefit

With the proposed changes, PIP Florida Car Insurance policies would cover the following, up to the policy limits:

  • 80% of reasonable medical expenses related to an “emergency medical condition”
  • $2,500 worth of care related to a non-emergency medical condition
  • 60% of loss of income
  • A $5,000 death benefit

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