• Provide proof of identity
• Parent/legal guardian signed for financial responsibility
• Pass medical and eye exam
• Pass written knowledge test
• Must have a driving instructor or licensed parent/guardian in the front seat when driving

For more details on the Utah driver licenses please see the Utah Dept of Public Safety website.

If you are only getting a Drivers License but do not own a vehicle, you do not need No Fault Auto Insurance.  However, if you are driving a vehicle owned by someone in your household you should be a listed driver on their No Fault Auto Insurance policy.

To compare your household’s current No Fault Auto Insurance premium with other competitive companies please visit our website.

• Proof of Identity
• Social Security card\
• Parent or Guardian’s completion of a DL 180TD form if under 18.
• Proof of residency if 18 years of age or older
• Vision screening
• Knowledge Test
• Physical exam with completion of a ‘Medical Qualification Certificate’ by a medical professional.

For more details on obtaining your Pennsylvania driver license please visit the Pennsylvania DOT website.

If you are only getting a Drivers License but do not own a vehicle, you do not need No Fault Auto Insurance.  However, if you are driving a vehicle owned by someone in your household you should be a listed driver on their No Fault Auto Insurance policy.

To compare your household’s current No Fault Auto Insurance premium with other competitive companies please visit our website.

• Proof of identification
• Written test
• Road test
• A parent or legal guardian must sign for those under 18 yrs of age

For more details on obtaining a North Dakota driver license please see the North Dakota DOT website.

If you are only getting a Drivers License but do not own a vehicle, you do not need No Fault Auto Insurance.  However, if you are driving a vehicle owned by someone in your household you should be a listed driver on their No Fault Auto Insurance policy.

To compare your household’s current No Fault Auto Insurance premium with other competitive companies please visit our website.

• Proof of identity
• Vision test
• Written test
• Take a driver education course or a DMV approved pre-licensing course
• Parent or legal guardian consent if under 18 unless you are 17 and have an MV285 driver ed certificate
• Must be accompanied when driving by a supervising licensed driver 21 yrs or older

For more detailed information on NY driver license types please see the NY DMV website.

If you are only getting a Drivers License but do not own a vehicle, you do not need No Fault Auto Insurance.  However, if you are driving a vehicle owned by someone in your household you should be a listed driver on their No Fault Auto Insurance policy.

To compare your household’s current No Fault Auto Insurance premium with other competitive companies please visit our website.

• Minimum of six months of supervised driving
• Pass the knowledge test
• Pass the vision test
• Bring 4 point identification
• prove enrollment in a driver training course
• parental or guardian consent
• valid for two years
• display reflectorized decal
• no driving after 11:01 pm and before 5 am unless you have written employment or religious exemption.
• be accompanied by an adult in the front seat who is at least 21 yrs old and has been licensed for three years
• only one unrelated passenger is allowed unless accompanied by a parent or guardian
• no wireless communication device
• proper restraints must be worn at all times

For more in depth information on the other driver licenses available under the Graduated Driver License program see the State of NJ MVC website.

If you are only getting a Drivers License but do not own a vehicle, you do not need No Fault Auto Insurance.  However, if you are driving a vehicle owned by someone in your household you should be a listed driver on their No Fault Auto Insurance policy.

To compare your household’s current No Fault Auto Insurance premium with other competitive companies please visit our website.

• Signed permission from a parent or legal guardian
• 30 hours of classroom training
• Enrollment in on the road driver training
• Vision screening
• Written test
• A licensed driver of 21 yrs or older must be in the vehicle
• Passengers under the age of 18 must be restrained or in a child safety seat
• Unable to use any wireless device while driving

For more information on other Minnesota Driver Licenses such as the Phase 2 Provisional License or the Phase 3 Full License see the MN Dept of Public Safety.

If you are only getting a Drivers License but do not own a vehicle, you do not need No Fault Auto Insurance.  However, if you are driving a vehicle owned by someone in your household you should be a listed driver on their No Fault Auto Insurance policy.

To compare your household’s current No Fault Auto Insurance premium with other competitive companies please visit our website.

• Parent, guardian or responsible adult signs the application
• Present proof of US citizenship or legal presence, identiy and Michigan residency
• Provide social security number
• Meet physical and mental standards
• Complete Segment 1 of an approved driver education program
• Vision test

For more detailed information on other Driver Licenses available see the Michigan Dept of State website.

If you are only getting a Drivers License but do not own a vehicle, you do not need No Fault Auto Insurance.  However, if you are driving a vehicle owned by someone in your household you should be a listed driver on their No Fault Auto Insurance policy.

To compare your household’s current No Fault Auto Insurance premium with other competitive companies please visit our website.

• Signature of parent/guardian on the application
• You can only operate a passenger car
• Written test  ($30 fee)
• Vision test
• You must be accompanied by a licensed driver of 21 years or older
• No driving between 12 am and 5am if under 18 unless accompanied by parent or guardian
• Valid for two years or until you earn a Junior Operator’s License or a full driver’s license

For more information on all types of Massachusetts Driver Licenses please see the official Mass DOT website.

If you are only getting a Drivers License but do not own a vehicle, you do not need No Fault Auto Insurance.  However, if you are driving a vehicle owned by someone in your household, you should be a listed driver on their No Fault Auto Insurance policy.

To compare your household’s current No Fault Auto Insurance premium with other competitive companies please visit our website.

• Parent/Guardian must sign application if applicant is under 18.
• Pass written permit exam
• Pass vision test
• Unable to drive between 12 and 6 am  (unless they can demonstrate an emergency, school or work related activity)
• Unable to have more than 1 unrelated person under 20 years of age in the vehicle
• Zero Alcohol Tolerance

For those who had a permit to be eligible for the full unrestricted license they must complete a Graduated licensing Course, High School Driver’s Ed Course or Private Driver Training Course.  Please see the KY Division of Driver Licensing for more detailed information on the Permit, Intermediate and Full Unrestricted Driver License Phases.

If you are only getting a Drivers License but do not own a vehicle, you do not need No Fault Auto Insurance.  However, if you are driving a vehicle owned by someone in your household, you should be a listed driver on their No Fault Auto Insurance policy.

To compare your household’s current No Fault Auto Insurance premium with other competitive companies please visit our website.

•  parental approval for ages 14 & 15
• vision test
• proof of identity
• licensed adult (min 21 yrs)  in front seat at all times
• no use of wireless communication.

Instruction Permits at Age 17 and up require

• vision test
• written test or certified completion from driver education.

To obtain a Non Restricted Drivers License it requires

• one to be 17 years or older
• 50 hour Affidavit if age 17
• vision test
• written test
• driving test

Please visit the Kansas Dept of Revenue for more details on the types of driver licenses available.

If you are only getting a Drivers License but do not own a vehicle, you do not need No Fault Auto Insurance.  However, if you are driving a vehicle owned by someone in your household, you should be a listed driver on their No Fault Auto Insurance policy.

To compare your household’s current No Fault Auto Insurance premium with other competitive companies please visit our website for a free quote.

• All occupants have to wear their seat belts
• Children under 4 year of age must be properly restrained within a child safety seat
• You shall not transport more than 1 person below the age of 18 without being accompanied by a licensed driver (parent, guardian or household member)
• You shall not drive between 11 pm and 5 am unless accompanied by a licensed parent or guardian. EXCEPTIONS: 

1. Travel to or from work.  If so, they must keep with them the employers contact information along with verification of the hours of their employment.
2. Travel to or from school-authorized activity.  They shall keep a signed statement from the parent or guardian verifying the travel to the school authorized activity was necessary.

On one’s 19^th birthday the provisional license expires.  If you fail to convert your provisional license to a full driver’s license, you must reapply as a new applicant.  Please visit the Hawaii Licensing Division website for more in depth details.

If you are only getting a Drivers License but do not own a vehicle, you do not need No Fault Auto Insurance.  However, if you are driving a vehicle owned by someone in your household you should be a listed driver on their No Fault Auto Insurance policy.

To compare your household’s current No Fault Auto Insurance premium with other competitive companies please visit our website.

• 16 yr olds are not allowed to drive from 11 pm to 6 am
• 17 yr olds are not allowed to drive from 1 am to 5am

Unless they are accompanied by a licensed driver 21 years or older or if they are driving to or from work.  See the Florida Highway Safety website for more information on the types of Florida Drivers licenses.

If you are only getting a Florida Drivers license but do not own a vehicle, you do not need No Fault Auto Insurance. 

However, if you are driving a vehicle owned by someone in your household, you should be a listed driver on their No Fault Auto Insurance policy. 

To compare your household’s current No Fault Auto Insurance premium with other competitive companies, please visit our website.

• Lock your vehicle at all times.
• Purchase an alarm system or anti-theft device.
• Refrain from leaving your keys in the ignition when you are not in the vehicle.
• Purchase a vehicle made after 2003.

According to Edmunds;

• Ford Aerostars and GM trucks made before 1998 as well as Toyota Camrys are easy to steal.
• Hondas, Acuras and GMCs made before the year 2000 can be started with a pair of scissors making them easy targets.
• Vehicles made after 2003 are more difficult to steal because they have a laser-cut key.

Carmakers may come up with new anti-theft devices year after year but the thieves quickly catch up with the latest technology.  Therefore, your ultimate defense is to have the proper comprehensive auto insurance in the event that your vehicle becomes the target of a wise thief.

Protect your vehicle by getting a free no fault insurance quote and save up to $500 a year on your auto insurance.

• Trucks:  Chev Colorado, GMC Canyon & Ford Ranger
• Coupes:  Kia Forte, Honda Civic & Chev Cobalt
• Sedans:  VW Jetta, Chev Aveo & Suzuki SX4
• Hatchbacks/Wagons:  Smart Fortwo, Chev HHR & Nissan Cube
• SUV/Crossovers: Hyndai Tucson, Jeep Patriot & Kia Aportage

Whether your vehicle is the cheapest to insure or something more, get free no fault insurance quotes on our website and save up to $500 a year on auto insurance.

For more information about which vehicles are cheaper to insure see Edmunds website

• Cell Phones and Texting
• Child Passenger Safety
• Drug Impaired Driving
• Drunk Driving
• Graduated Driver Licensing (GDL)
• Helmets
• Mature Drivers
• Seat Belts
• Segways
• Speed Limits
• Work Zones

To save up to $500 a year on auto insurance in Minnesota see no fault insurance for a free quote

For more specific details about the above laws please see the MN Key Highway Safety Laws

• Cell Phones and Texting
• Child Passenger Safety
• Drug Impaired Driving
• Drunk Driving
• Graduated Driver Licensing (GDL)
• Helmets
• Mature Drivers
• Seat Belts
• Segways
• Sobriety Checkpoint
• Speed Limits
• Red Light Cameras
• Work Zones

Obtain a free quote on our  new york no fault insurance webpage.  Compare rates from top companies like Geico and Progressive.  Switch and save an average of $500.

For more specifics on the above laws see NY Key Highway Safety Laws

• Aggressive Driving
• Cell Phones and Texting
• Child Passenger Safety
• Drug Impaired Driving
• Drunk Driving
• Graduated Driver Licensing (GDL)
• Helmets
• Mature Drivers
• Seat Belts
• Segways
• Sobriety Checkpoints
• Work Zones

Obtain a free quote on our  Utah no fault insurance webpage.  Compare rates from top companies like Geico and Progressive.  Switch and save an average of $500.

For more specific details on these laws see the Utah Key Highway Safety Laws

• Child Passenger Safety
• Drug Impaired Driving
• Drunk Driving
• Graduated Driver Licensing (GDL)
• Helmets
• Mature Drivers
• Seat Belts
• Segways
• Sobriety Checkpoint
• Speed Limits
• Red Light Cameras
• Work Zones

For more specific details on the above laws please see the PA Key Highway Safety Laws

• Child Passenger Safety
• Drug Impaired Driving
• Drunk Driving
• Graduated Driver Licensing (GDL)
• Helmets
• Mature Drivers
• Seat Belts
• Sobriety Checkpoints
• Speed limits
• Work Zones

For more specific details on the above laws see the ND Key Highway Safety Laws

• Aggressive Driving
• Cell Phones and Texting
• Child Passenger Safety
• Drug Impaired Driving
• Drunk Driving
• Graduated Driver Licensing (GDL)
• Helmets
• Mature Drivers
• Seat Belts
• Segways
• Sobriety Checkpoints
• Speed Limits
• Speed and Red Light Cameras
• Work Zones

For more specific details on the above laws please see the NJ Key Highway Safety Laws

• Cell Phones and Texting
• Child Passenger Safety
• Drug Impaired Driving
• Drunk Driving
• Graduated Driver Licensing (GDL)
• Helmets
• Mature Driving
• Seat Belts
• Segways
• Speed Limits
• Work Zones

For specific details on the above laws see the Michigan Key Highway Safety Laws 

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• Child Passenger Safety
• Drug Impaired Driving
• Drunk Driving
• Gradulated Driver Licensing (GDL)
• Helmets
• Mature Drivers
• Seat Belts
• Segways
• Sobriety Checkpoints
• Speed Limits
• Speed and Red Light Cameras
• Work Zones

For more in depth details regarding these laws pleases see the FL Key Highway Safety Laws

• Child Passenger Safety
• Drug impaired Driving
• Drunk Driving
• Gradulated Driver Licensing (GDL)
• Helmets
• Mature Drivers
• Seat Belts
• Segways
• Sobriety Checkpoints
• Speed Limits
• Work Zones

For more in depth information on the above laws please see the Hawaii Key Highway Safety Laws

• Cell Phones and Texting
• Child Passenger Safety
• Drug Impaired Driving
• Drunk Driving
• Graduated Driving Licensing (GDL)
• Helmets
• Mature Drivers
• Seat Belts
• Segways
• Sobriety Checkpoints
• Speed Limits
• Work Zones

For more detailed information on the above laws please see Kansas Key Highway Safety Laws

• Cell Phones and Texting
• Child Passenger Safety
• Drug Impaired Driving
• Drunk Driving
• Graduated Driver Licensing (GDL)
• Helmets
• Mature Driving
• Seat Belts
• Speed Limits
• Work Zones

For more detailed information on the above laws please see KY Key Highway Safety Laws

• Cell Phones and Texting
• Child Passenger Safety
• Drug Impaired Driving
• Drunk Driving
• Graduated Driver Licensing (GDL)
• Helmets
• Mature Drivers
• Seat Belts
• Sobriety Checkpoints
• Speed Limits
• Work Zones

For more in depth information on these laws please see MA Key Highway Safety Laws

Handheld Cell Phones are prohibited  in 8 states:

• CA, CT, DE, MD, NJ, NY, OR & WA

Please see the GHSA website for further details on Cell phone use laws.

Mandatory Coverages required in Kentucky are:

• $25,000/$50,000 (per person/per occurrence) Bodily Injury Liability
• $10,000 Property Damage Liability
• $10,000 No-Fault (Personal Injury Protection, PIP)

For more information about the Mandatory Coverages required in Kentucky . . .see the Kentucky DMV website

Mandatory Coverages required in Massachusetts are:

• $20,000/$40,000 (per person/per occurrence) Bodily Injury Liability
• $20,000/$40,000 (per person/per occurrence) Uninsured / Underinsured (UM/UIM)
• $8,000 No-Fault (Personal Injury Protection, PIP)
• $5,000 Property Damage Liability

For more information on Mandatory Coverages required in Massachusetts see the MASS DMV website.

Mandatory Coverages required in Michigan are:

• $20,000/$40,000 (per person/per occurrence) Bodily Injury Liability
• $10,000 Property Damage Liability
• No-Fault (Personal Injury Protection, PIP)
• Property Protection Insurance (PPI)

What is Michigan PPI Coverage?

For more information on Mandatory Coverages in Michigan see the Michigan DMV website.

Mandatory Coverages required in Minnesota are:

• $30,000/$60,000 (per person/per occurrence) Bodily Injury Liability
• $25,000/$50,000 (per person/per occurrence) Uninsured/Underinsured (UM/UIM)
• $10,000 Property Damage Liability
• No-Fault (Personal Injury Protection, PIP): $40,000 per person per accident; $20,000 medical expense; $20,000 non medical expenses such as lost wages.

For more information on Mandatory Coverages in Minnesota see MN DMV website.

Mandatory Coverages required in New Jersey are:

• Basic:  $10,000 Bodily Injury to more than one person and $ 5,000 Property Damage (Bodily injury liabiity for one person is not offered under Basic.)
• Standard:  $15,000/$30,000 (per person/per occurrence) Bodily Injury Liability; $  5,000 Property Damage Liability; $15,000 No-Fault (Personal Injury Protection, PIP); $15,000 Uninsured/Underinsured (UM/UIM)

For more information on Mandatory Coverages in New Jersey see the NJ DMV website.

Mandatory Coverages required in North Dakota are:

• $25,000/$50,000 (per person/per occurrence) Bodily Injury Liability
• $25,000/$50,000 (per person/per occurrence) Uninsured/Underinsured (UM/UIM)
• $25,000 Property Damage Liability
• $30,000 No-Fault (Personal Injury Protection, PIP)

For more information on Mandatory Coverages in North Dakota see the ND DMV website.

If you are thinking of moving to New York or already live in New York and plan to purchase a vehicle; keep in mind that there are mandatory insurance coverages required prior to registering a vehicle.

Mandatory Coverages required in New York are:

• $25,000/$50,000 Bodily Injury
• $50,000/$100,000 Death
• $10,000 Property Damage Liability
• No-Fault (Personal Injury Protection, PIP)

For more information on Mandatory Coverages in New York see the NY DMV website.

Mandatory Coverages required in Pennsylvania are:

• $15,000/$30,000 (per person/per occurrence) Bodily Injury Liability
• $  5,000 Property Damage Liability
• $5,000 No-Fault (Also called Medical Benefits)

For more information on Mandatory Coverages in Pennsylvania see the PA Ins Dept website.

Mandatory Coverages required in Kansas are:

• $25,000/$50,000 (per person/per occurrence) Bodily Injury Liability
• $25,000/$50,000 (per person/per occurrence) Uninsured/ Underinsured (UM/UIM)
• $10,000 Property Damage Liability
• No-Fault (Personal Injury Protection, PIP)  $4,500/person medical expenses; $900/month for one year for disability/loss of income; $25/day for in-home services for one year; $2,000 for funeral, burial or cremation expense; $4,500 for rehabilitation expense

For more information on Mandatory Coverages in Kansas see the Kansas Ins Commissioner website.

Mandatory Coverages required in Hawaii are:

• $20,000/$40,000 (per person/per occurrence) Bodily Injury Liability
• $10,000 No-Fault (Also known as Personal Injury Protection or PIP)
• $10,000 Property Damage Liability

What does it cover?

• Bodily Injury Liability:  Pays for injury related damages of another person due to an accident involving a covered automobile that you, a family member or a permissive user are liable for.  This coverage also pays to defend you against any lawsuit filed against you, a family member or a permissive user by an injured party.
• No Fault Coverage:  Pays 80% of your medical bills incurred due to an accident up to $10,000
• Property Damage Liability Coverage:  Pays for damage caused by you while driving a covered automobile to another person’s property (ie: vehicle, mailbox, fence, etc) up to a maximum of $25,000 total per accident.

For more information on Mandatory Coverages in Hawaii see the Hawaii DMV website.

Mandatory Coverages required in Utah are:

• $25,000/$65,000 (per person/per occurrence) Bodily Injury Liability
• $15,000 Property Damage Liability
• $ 3,000 No-Fault (Personal Injury Protection, PIP)

For more information on Mandatory Coverage in Utah see the Utah DMV website

• The age of your vehicle.   The newer the vehicle . . . the higher the insurance premium. 
• Where your vehicle is kept.  Is it safe in your garage?  Or is it left parked on the street or in a public parking lot where it could be more easily damaged or stolen?
• Where your vehicle is driven.  Do you commute to a big city or do you live and work in a rural area?
• The amount of miles driven per week.  The less you drive the lower the risk.

Be informed when purchasing insurance.  See the Auto Fact Sheet for more examples of How to Save

UM/UIM Coverage:  Pays for bodily injuries to you, your family or a passenger in your covered automobile when the liable party is Uninsured or Underinsured.

• Uninsured:  Liable party has no bodily injury liability coverage.
•  Underinsured:  Liable party has some bodily injury liability coverage;  but the amount of coverage is not enough to cover the extent of damages you, your family member or passenger sustained.

For more information on UM/UIM Coverage. . . see the Florida DFS website.

• Collision Coverage:  Pays for the repair or actual cash value of a covered auto damaged as a result of an accident with another vehicle, property or thing.  It also covers single vehicle accidents as well.  Payment can be made regardless of who is liable and is subject to a deductible.
• Comprehensive Coverage:  Pays for damage caused by incidents “Other than Collision” such as:  fire, theft, windstorm, vandalism, animals, flood or flying objects.

For more information on Collision Coverage see Florida DFS Library website. 

For more information on Comprehensive Coverage see FL Statute 627.7288

• Mature Driver.  (Age 55 or older who participates in an accident safety course.
• Good Driver.  (accident and violation free driving record)
• Alarm System.  (To minimize probability of theft)
• Restraint Systems.  (Airbags, anti-lock brakes)
• Good Student.  (Good grades indicate more responsible behavior

Be sure to ask if all possible discounts have been applied to your premium.

For more examples of How to Save see My Florida Auto Fact Sheet.

 Property Damage Liability Coverage:  Pays for damage to the property of others (ie: vehicle, mailbox, telephone pole, etc) that you,  a family member or a permissive user caused when driving a covered automobile. 

The minimal mandatory Property Damage Liability Coverage required in Florida is $25,000.  However, higher limits are recommended if you can afford it.  With the rising costs of vehicle parts, labor and vehicle replacement $25,000 just does not go as far as it used to.  There is also the possibility of damaging more than one vehicle in an accident which could easily push the damages owed over the state minimum causing you to pay the difference out of your own pocket.

Bodily Injury Liability Coverage:  Pays for injury related damages of another person due to an accident involving a covered automobile that you, a family member or a permissive user are liable for.  This coverage also pays to defend you against any lawsuit filed against you, a family member or a permissive user by an injured party.  This is not a mandatory coverage in Florida.  However, if you have assets it is wise to purchase this coverage to properly protect yourself.

For more information on the types of insurance coverages . . . see the official Florida DMV website.

To obtain a free quote visit No Fault Insurance and save up to $500 a year on your Florida Auto Insurance.

Mandatory Coverages required in Florida are:

• $10,000 No Fault Coverage
• $10,000 Property Damage Liability Coverage

What does it cover?

No Fault Coverage:  Pays 80% of your medical bills incurred due to an accident up to $10,000.

Property Damage Liability Coverage:  Pays for damage caused by you while driving a covered automobile to another person’s property (ie: vehicle, mailbox, fense, etc) up to a maximum of $10,000 total per accident.

For more information on Madatory Insurance Coverages… visit the official Florida DMV

• Convert your drivers license to Florida
• Obtain auto insurance from a company licensed in Florida
• Register your vehicle in Florida

In the state of Florida, you are required by law to register your car within 10 days of becoming employed or establishing residency in the state. In order to register your car in the state you are required to show proof of auto insurance from a company licensed in the state of Florida.

Visit the Florida Department of Highway Safety and Motor Vehicles website for more information from the source.

Free Auto Insurance Quotes Sample

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Car Accident Documentation Kit

When you buy a car, you often buy jumper cables, a first aid kit, flashlight, and other car accessories for the “just in case I need it” event. There is one more event that you can make a purchase for: a car accident. We visited our local Walmart store and found the American Red Cross branded Accident Documentation Kit. The price for this car accident kit was a low $7.96. The American Red Cross  car accident documentation kit includes:

• Accident Documentation Kit Case
• Tape Measure
• Small Flashlight
• Disposable Camera
• Accident Report Form
• Pen
• 2 AAA Batteries

You could make your own car accident documentation kit, however, the price of this and competing kits are low. The kit is small enough in size to fit in a glove box or under a seat. The included pieces such as a disposable camera are cheap enough that you don’t need to worry about leaving them in your car over night, as would be the case for a digital camera or phone camera.

Be prepared. Purchase a car accident documentation kit.

Florida and other states have enacted seat belt laws to nudge drivers and passengers into wearing their seat belts – always. The Florida seat belt law applies to any car manufactured since 1968. It is against the law in the state of Florida to operate a car if all the passengers are not restrained in a lawful way.

• All passengers in the front seat must wear a seat belt.
• All passengers under the age of 18 must wear a seat belt.
• Children under 4 must be secured in a federally approved child restraint seat.
• Children ages 4 and 5 must be secured by either a federally approved child restraint seat or a safety belt.
• The driver of the car is responsible for buckling up any child, and ensuring that all passengers follow the law.

The cost for a seat belt violation in the state of Florida is $30. If a child is not properly restrained, the violation is higher at $60. It does not matter if you are jumping in the car for a short trip around the block, just got in the car, or other common excuses. Florida’s seat belt law says that you must always buckle up. Visit the Florida Department of Highway Safety and Motor Vehicles web site to learn more about this Florida seat belt law and no fault insurance.

Of course you will need to advise the car insurance company that you were involved in a car accident without the proper insurance coverage. In the state of Florida, driving without car insurance can lead to getting your driver’s license suspended.

Florida Department of Highway Safety and Motor Vehicles (DHSMV) suggests that you try to negotiate with the other driver involved or their insurance company to settle any damages. If you are unable to pay for such damages, try to negotiate a monthly payment agreement. Document the agreement (put it in writing) to  legitimize it and keep proof of payments in your household files. Paying by check, for example, is a great method of proving payments.

Remember, that if the car insurance company compensates the other person for their damages, the insurance company will in turn seek satisfaction of damages from you. If injuries are involved, contact an Florida attorney that specializes in car accidents to better understand your rights. Many attorneys offer a free initial consultation.