Florida No Fault Auto Insurance

Florida is one of 12 states in America that uses a No Fault insurance system rather than traditional fault based insurance. Since January 1, 2008, Florida state residents are required to have at least $10,000 of Personal Injury Protection (PIP) and $10,000 of Property Damage Liability (PDL) coverage under the Florida no fault insurance law.

Auto insurance companies licensed in Florida will automatically report your no fault car insurance coverage to the Florida Department of Highway Safety and Motor Vehicles (DHSMV). Florida insurance companies must also report cancelled or dropped no fault auto insurance to the DHSMV to ensure that all cars in the state are in compliance with the law.

Significant numbers of Florida state residents are seasonal. If you live in the state of Florida for 90 days or more, you are required to carry the minimum amount of coverage as specified under the no fault insurance law. The 90 days do not need to be consecutive under the Florida no fault auto insurance law. Ninety days is short enough to apply to most seasonal residents of Florida.

Florida Personal Injury Protection (PIP)

Personal Injury Protection or PIP insurance covers you both in your own car or someone else's car. In general, you and your family members are covered for accidents inside and outside of Florida state, within the United States of America and Canada. Like any insurance plan, more PIP insurance coverage can be added on top of the minimum required by Florida state law.

Helpful Florida No Fault Auto Insurance Links:

Florida Auto Insurance Quotes

Free Florida auto insurance quote links are made available to you below. To get a free auto insurance quote in Florida, click GO beside one of the auto insurance companies in the list below. Follow the instructions on how to get your free no obligation quote and if you like your quote, how to buy your Florida auto insurance online.

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