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OUT OF STATE COVERAGE

When the policy applies to the operation of a motor vehicle outside of your state, and the limits are higher in that state, your insurance will increase your limits to the extent of the limits required by the local law. As long as you possess those coverages in your own policy. For example, if you live in a state that requires PIP and the state you are driving in requires bodily injury, than your insurance will not provide bodily injury since you have not purchased this coverage.You must purchase bodily injury protection to have this coverage. If your PIP is $10,000/$20,000 and the state in which you are driving has a limit of $15,000/$30,000 than your limit will be increased to meet the higher limits required for that particular state.

No-fault insurance is sold in Delaware, Florida, Hawaii, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, Texas, Utah, and Washington. Other jurisdictions except Pennsylvania and the District of Columbia have traditional tort systems. Pennsylvania and DC have hybrid insurance systems.

Florida Car Insurance Laws


 

The minimum amount of liability insurance required in Florida is as follows:
$10,000/$10,000 for bodily Injury

$10,000 for property damage


 

Florida state sealAll vehicles registered in Florida are required to carry two types of insurance Personal Injury Protection and Property Damage Liability:
Note that the liability coverage required by law covers only damage the policy holder does to others. To pay for damages to your car, you will need to purchase collision insurance or comprehensive insurance for damage to your vehicle from other causes.
Uninsured/Under insured Motorist Coverage is not mandatory in the state of Florida. Drivers have the right to waive this coverage, but it is highly recommended that you carry it.


Personal Injury Protection (PIP) insurance
Also called Florida No Fault Insurance, Personal Injury Protection (PIP) Insurance covers you regardless of fault (i.e. whether or not you cause the crash) - up to the limits of your policy. Your PIP will also cover your child, members of your household, certain passengers who lack PIP Insurance as long as they do not own a vehicle.
People riding in your vehicle who carry PIP will receive coverage under their own PIP for their injuries, and certain licensed drivers who drive your vehicle with your permission.
PIP also covers your child if he or she suffers an injury while riding on a school bus. PIP coverage protects you while in someone else's vehicle, as a pedestrian, or bicyclist if you suffer an injury in a crash involving a motor vehicle.
The Florida Motor Vehicle No-Fault Law, requires all owner/registrants of a motor vehicle with four wheels or more to carry a minimum of $10,000 of Personal Injury Protection (PIP) and $10,000 of property damage liability (PDL) if you own a motor vehicle in Florida.
Florida law requires you to maintain PIP/PDL insurance continuously throughout the licensing and registration period.
Though Bodily Injury Liability (BIL) is not mandated by the state of Florida, it is strongly recommended. And if you have shown financial irresponsibility following an accident, you may be required to carry it. BIL covers the cost for death or serious and permanent injury to others when you are at fault for an accident.
You should be aware that in a competitive insurance market insurance companies charge different rates for essentially the same coverage. Shopping around may result in savings to you on your automobile policy. Be sure to take into consideration the services provided by the company.


You should be aware that in a competitive insurance market insurance companies charge different rates for essentially the same coverage. Shopping around may result in savings to you on your automobile policy. Be sure to take into consideration the services provided by the company.