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 Posted: Mon Apr 10, 2006 12:14 pm Post subject: Your responsibility on florida auto insurance |
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Hi ..let me share something regarding the strict financial responsibility laws in Florida;
This law demands that you have maintained the minimum responsibility towards others while you're driving. Circumstances that this law counts could be like-
* You have crashed with you car & inflicted injuries to someone
*Your license got suspended for too many reasons
*Your license gets suspended or cancelled due to drunken driving
*You have become a daily traffic violater
So, please remember to avoid hazards for such events.
Roddick |
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roddick
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lakemen
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| Posted: Fri Aug 10, 2007 3:34 pm Post subject: |
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While the information is more it less correct, Florida actually does not "require" BI coverage unless you have been previously involved in an accident. But Florida also has a Financial Liability law that requires a person to be financially responsible for accidents that they cause.
http://www.hsmv.state.fl.us/ddl/frfaqgen.html
"What type of insurance is required to purchase and maintain a Florida tag and registration?
Florida's minimum 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. However, if you have been involved in a crash, or been convicted of certain offenses, you may be required to purchase bodily injury liability coverage (BIL)."
But these two situations fly in the face of each other. Can a person really be financially responsible for an accident w/o having insurance? 99.999% of the time, no. Also, and here is the big part to this, insurance provides the insured person an unlimited defense. That is a huge benefit when dealing with an injured party.
Another example of this is when a person rents a vehicle in the state of Florida. The rental agency cannot mandate the person have BI coverage. Of course, this then puts the rental company on the hook for any injuries the driver causes while using the rental (as the rental company is the owner of the vehicle and responsible for it's use).
Note: Will you even find a carrier to write a Florida policy w/o BI? I doubt it. |
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tcope
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lakemen
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