Auto insurance in Miami Florida is mandatory. If you own a vehicle with at least four wheels and are registering it, you must have Florida car insurance.
The minimum Miami auto insurance coverage is $10,000 Personal Injury Protection (PIP) and $10,000 Property Damage Liability (PDL) as long as you have a valid Florida tag, even if the vehicle is in another state or inoperative. There are no exemptions in the law. Additionally, if you have been involved in an accident, or have been convicted of certain offenses, you may be required to purchase Bodily Injury Liability (BIL) coverage.
Many people spend a portion of their year in the Sunshine State and the remainder of it elsewhere. If you have a car in Florida for more than 90 days throughout the year, you must purchase at least the minimum personal injury protection and property damage liability coverage.
If you have auto insurance from a Florida auto insurance company, your insurance is proof in all states as being insured when driving. If you have an accident while travelling in the United States, you are subject to the same penalties but they do recognize your insurance from Florida. You need to carry proof of insurance wherever you travel to insure if you are stopped even for a speeding ticket, you can prove you have insurance.
For those not carrying the minimum auto insurance requirements in Miami Florida, there are consequences. The minimum penalty is a fine, and is given the first few times. As more offenses occur (more instances caught driving without insurance), the fines will increase. If the driver continues to operate a vehicle without insurance, they could face having their license and vehicle suspended. Lastly, if the driver continues to offend, they may be put in jail.
Auto insurance in Miami must be from Florida and cannot be a policy from another state. The state requires that all vehicles to be under ownership in Florida have Florida No Fault auto insurance.
A high-risk driver pays a very high car insurance premium when living in Miami, Florida. If you are single and have a bad driving record, your insurance rate reflects a high monthly premium. When living in Florida, you need to pay very close attention to your infractions to have insurance you can afford.
Anytime you’re looking for auto insurance quotes for Miami, Florida or even Orlando Auto Insurance, let us help you find the right insurer. Use our services free of charge and with no limits on how often you use them.
