FL Auto Insurance Requirements
Florida residents are required to have car insurance. You must purchase at least minimum coverage for personal injury protection ( PIP ) and property damage liability ( PDL ).
Florida is a No - Fault State. In other words, if you are injured in an accident, your car insurance will pay the medical cost, even if the other driver is at fault.
The minimum coverage for ( PIP ) is $10,000 and (PDL ) is $10,000.
Personal Injury Protection
PIP not only covers your part of any medical expenses ; it also covers your children when riding on their school bus; you when you're a pedestrian or bicyclist involved in a car accident and passengers riding in your car. Passengers that have PIP insurance, will be covered on their own policy.
Property Damage Liability
Property Damage Liability covers you on any damage that you may cause with your car to someone elses propery.
SR-22 Insurance Penalty
Certain violations in Florida will require you to carry an SR-22 certification. This requires you to purchase Bodily Injury Liability ( BIL ) on top of your basic insurance. You will be mandated to carry an SR-22 for three years if you've been involved in an accident that caused injury or property damage. If you have had your drivers license suspended, or if your drivers license has been revoked a number of times.
If you are convicted of Driving Under the Influence in Florida and did not have the following amounts of coverage you will be required to purchase additional insurance and file an FR-44. This is required for three years from the date of your suspension.
Minimum Coverage addition if you are subject to the FR-44
50k property damage liability
100k personal injury to any other person
300k for injuries to everyone involved in one accident
About Our Company
National Insurance Specialist is a Kissimmee, FL, auto insurance agency that has been serving the local Orlando area for over 16 years. We provide personalized advice and service for all your auto insurance needs. National Insurance Specialist is an independent insurance agency committed to a high standard of excellence.
Whether you are a high-risk driver or own a fleet of commercial vehicles, we take the time to find the right insurance product for you. We want to ensure that you and your family are protected.
We provide coverage for:
• Cars, SUVs, 4x4s, pickup trucks and vans
• Boats and sailboats
• Jet skis
• Commercial auto fleets
• RVs and campers
We sell products by some of the top names in the insurance business, including AIG, GMAC, Progressive and Infinity.
At National Insurance Specialist we pride ourselves on our years of experience and our long-standing reputation within the community, but most importantly we value each customer's satisfaction and return business.
National Insurance Specialists