Getting Insurance In Florida: Not Always So Full of Sunshine


The term “Florida Coverage” may be new to you, particularly if you’ve just migrated to the Sunshine state. Buying cheap auto insurance in Florida is easy enough, but the rules of the game in this State are a little different than others. Before you rush out and look for an insurance company, it’s a good idea to do your homework.

What is Florida Coverage? Florida has what is called a ‘no fault’ insurance system. In other words, for the purpose of insurance claims, nobody is assigned blame in an accident. It is assumed that each driver will pay for his own damages and/or personal injuries. Nevertheless, Florida does mandate certain minimums:

Personal Injury Protection (PIP) – minimum of $10,000Property Damage Liability coverage (PDP) – minimum limit of $10,000.Bodily Injury Liability (BIL) – this coverage is not required by law, but is worthy of consideration anyway.

It is easy to see from the minimums here, they are very low.

If you’ve had the unfortunate experience of visiting a hospital emergency room, you understand that ten thousand dollars doesn’t go very far. Nor will it replace your new car. As you look for cheap auto insurance in Florida, it’s worthwhile to make a list of questions and ask them of a local agent early in your insurance-buying adventure.

In addition to the Florida minimum liability limits, one should also be aware that, when buying cheap auto insurance in Florida, the State requires that insurance coverage be provided only by those companies specifically licensed by the state.

Of course, it’s a good idea to do some simple research on each company you’re considering before you buy cheap insurance in Florida or anywhere else. Ask your friends, neighbors and co-workers about their experiences with the company you’re thinking of using. Go online and research the company’s financial standing ( and their customer service reviews ( in order to determine whether you’ve selected cheap auto insurance in Florida which will actually pay your claim if and when you have one.

Never lose sight of the fact that your partnership with an insurance company is vital to your own future financial stability. Having ample coverage in the event of a serious accident can mean the difference between being able to realize your dreams for the future or making payments on ruinous medical bills for the rest of your life.

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