Auto Insurance

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Auto Insurance

We work with many different insurance carriers to get you competitive quotes for Florida auto insurance rates. Even if you have a less-than-ideal driving record, we can often find an auto insurance policy at a rate you can afford. 

Car Insurance Required by the State Of Florida

  • Property Damage Liability (PDL): $10,000. This covers damage to other people’s property, not your own. 
  • Personal Injury Protection (PIP): $10,000. This covers medical expenses for you and other members of your household if you are hurt in a car accident. If a passenger in your car is hurt in an accident and he or she does not have PIP insurance, that passenger will be covered by your policy.

Common (but Not Mandatory) Florida Car Insurance

  • Bodily Injury Liability (BIL): This protects you from financial liability (up to the limits of your policy) if you cause injury or death to someone else. 
  • Uninsured Motorist/Underinsured Motorist (UUM): Florida has one of the highest percentages of uninsured drivers in the U.S. It helps cover your medical expenses if you’re in an accident and the other driver is at fault and doesn’t have any insurance
  • Collision coverage: Pays for repairs to your car caused by an accident. 

Comprehensive coverage pays for damages from other causes, such as fire or collisions with wildlife.

FR44 & SR22

If you’re a high-risk driver or have a DUI on your driving record, you might have to get an SR-22 or FR-44. These are special filings that are attached to your car insurance policy, proving that you have the required amount of insurance coverage in your state. Having an SR-22 or FR-44 filing is usually an indication of poor driving behavior or an unfortunate mark on your driving record. But if you need one, it’s important to understand how they work.

SR-22 Insurance

  • SR-22 insurance is simply a special filing attached to an auto policy. When you have an SR-22, your auto insurer will notify your state’s motor vehicle department that you are insured. In addition, the filing agreement will also mean that your auto insurer will need to notify the state if your policy cancels for any reason. Having SR-22 insurance typically means you are in a higher risk category, so you probably will pay higher premiums than someone who does not require an SR-22 filing.

FR-44 Insurance

  • FR-44 serves a similar purpose but relates more often to those who get a DUI in the Commonwealth of Virginia and the State of Florida. If you are charged with a DUI, you will likely need an FR-44 filing. This is similar in nature to an SR-22 — however, it has the additional requirement that the insured carries a minimum of $100,000 liability on the auto policy.
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