If you have just moved to Tampa, Florida, or if you plan to purchase your vehicle there, you have to comply with all Tampa auto insurance requirements.
Car insurance is mandatory in the state of Florida.
You have to have a policy and show a proof of it, before you can register a vehicle.
Read on to find out more about the local regulations and how to keep them.
The Florida and respectively the Tampa auto insurance requirements differ from the ones in most states.
That is why it is worth learning more about them in greater detail, before you begin shopping for the right policy.
Florida is one of the states with no-fault laws.
In an attempt to reduce the number of car accident lawsuits, the lawmakers in this state have made it mandatory for drivers to have personal injury protection (PIP) coverage rather than bodily liability coverage.
The PIP coverage allows drivers and their household members to get financial compensation for covering their medical bills directly from their insurer, in case they get injured in an accident, irrespective of who is at fault.
The minimum amount of personal injury protection coverage you have to purchase is $10,000.
However, since this will be the maximum amount paid to you, in case you and/or a family member get injured in a road accident, it is highly recommended to purchase more insurance.
In fact, drivers are often advised to buy as much of this coverage as possible.
The fact that the Tampa auto insurance regulations require you to have PIP coverage only does not mean that you should not purchase bodily injury liability coverage.
If you cause a car crash, the victims have all legal rights to seek compensation from you.
In case they do, you will have to compensate them out of your pocket, unless you have such coverage.
The Tampa auto insurance regulations require you to purchase property damage liability coverage.
The minimum amount of coverage that you have to buy is $10,000.
Again, you may consider buying more liability coverage to reduce the financial risk, in case you are responsible to causing property damage, as a driver.
In Tampa, you are not legally obliged to buy uninsured motorist bodily injury coverage and underinsured motorist bodily injury coverage.
However, insurance companies are required by law to offer you such types of coverage or combined coverage.
In addition, drivers who refuse to purchase such coverage must fill out a special declaration page in their contract with the company.
This page serves as proof that the driver has knowingly selected not to carry such coverage.
According to the Tampa auto insurance regulations, you must maintain your policy, irrespective of how often you use your vehicle and whether you use it at all, if it is registered in the state.
Any car owner who uses his vehicle, registered in another state, in Florida for more than 90 out of 365 days has to carry the minimum amounts of the types of coverage required by the state.
Car insurance is mandatory in the state of Florida.
You have to have a policy and show a proof of it, before you can register a vehicle.
Read on to find out more about the local regulations and how to keep them.
The Florida and respectively the Tampa auto insurance requirements differ from the ones in most states.
That is why it is worth learning more about them in greater detail, before you begin shopping for the right policy.
Florida is one of the states with no-fault laws.
In an attempt to reduce the number of car accident lawsuits, the lawmakers in this state have made it mandatory for drivers to have personal injury protection (PIP) coverage rather than bodily liability coverage.
The PIP coverage allows drivers and their household members to get financial compensation for covering their medical bills directly from their insurer, in case they get injured in an accident, irrespective of who is at fault.
The minimum amount of personal injury protection coverage you have to purchase is $10,000.
However, since this will be the maximum amount paid to you, in case you and/or a family member get injured in a road accident, it is highly recommended to purchase more insurance.
In fact, drivers are often advised to buy as much of this coverage as possible.
The fact that the Tampa auto insurance regulations require you to have PIP coverage only does not mean that you should not purchase bodily injury liability coverage.
If you cause a car crash, the victims have all legal rights to seek compensation from you.
In case they do, you will have to compensate them out of your pocket, unless you have such coverage.
The Tampa auto insurance regulations require you to purchase property damage liability coverage.
The minimum amount of coverage that you have to buy is $10,000.
Again, you may consider buying more liability coverage to reduce the financial risk, in case you are responsible to causing property damage, as a driver.
In Tampa, you are not legally obliged to buy uninsured motorist bodily injury coverage and underinsured motorist bodily injury coverage.
However, insurance companies are required by law to offer you such types of coverage or combined coverage.
In addition, drivers who refuse to purchase such coverage must fill out a special declaration page in their contract with the company.
This page serves as proof that the driver has knowingly selected not to carry such coverage.
According to the Tampa auto insurance regulations, you must maintain your policy, irrespective of how often you use your vehicle and whether you use it at all, if it is registered in the state.
Any car owner who uses his vehicle, registered in another state, in Florida for more than 90 out of 365 days has to carry the minimum amounts of the types of coverage required by the state.