While the state of Florida doesn't require you to have personal injury liability insurance (BIL), many experts think it's wise to add this coverage. This protects you if you have a car accident in which people are injured or killed because of your negligence. Florida is a no-fault state, so the minimum limits for car insurance are different from those in other states. The proof of insurance is basically a document that shows that you have an active auto insurance policy that meets the minimum state requirements.
In a no-fault state, every person injured in a car accident files a claim with their own insurance company and depends on their coverage to pay for their medical expenses. No-fault insurance covers medical expenses for you and your passengers if you are injured in a car accident, no matter who was at fault. Choose the amount of the down payment, the monthly payment and the day of the month the payment is due, and save even more with car insurance discounts*. The CARCO inspection is a pre-insurance inspection of the car that is required in Florida, which means that someone will physically check your car and document its condition before you can purchase an insurance policy.
Learn about Florida's car insurance laws and requirements to learn how much coverage you need to drive legally. In addition to offering affordable insurance for cars and commercial vehicles, Direct Auto also offers customizable payment options. However, most commercial vehicles in Florida are legally required to meet the following combined minimum levels of personal injury liability insurance and property damage liability insurance. Florida has the most expensive car insurance rates in the country, which is surprising because it also has some of the lowest car insurance requirements in the country.
The final insurance policy premium for any policy is determined by the insurance company upon application. Some states require printed copies of proof of insurance, but Florida drivers can show proof of insurance with an insurance card or electronically through the insurance company's smartphone app. An FR44 is an insurance claim that is sometimes referred to as DUI insurance, but it's not a type of insurance. Non-standard car insurance is an option for drivers that some insurance companies consider “high-risk.” Florida drivers can show proof of insurance with an insurance card or electronically through their insurance company's smartphone app.