No, you cannot insure a car with a salvage title in Florida. Salvage vehicles are cars that have been declared a total loss, meaning they’re too damaged to be worth repairing and cannot be driven legally. As a result, no legitimate car insurance company writes policies for them.
Although insurance companies in Florida won’t insure a car with a current salvage title, you can get coverage if you have the vehicle repaired and inspected by a state-certified mechanic. If it’s declared safe to drive, the DMV will issue the car a salvage rebuildable title. Several insurance companies, including Allstate and Geico, sell policies to vehicles with a salvage rebuildable title.
Keep in mind that some insurers will only sell liability insurance for salvage rebuildable cars, meaning that they won’t pay for any physical damage to the vehicle. Even if you are able to get collision and comprehensive insurance, your policy may not cover the full value of the car if it’s totaled again.
No, uninsured motorist coverage is not required in Florida, as drivers can reject the coverage in writing. Still, insurance companies are required to offer at least $10,000 in uninsured motorist bodily injury coverage per person (up to $20,000 per accident).
For Florida drivers who do not opt out by rejecting the coverage in writing, uninsured/underinsured motorist coverage helps pay for a car accident in which the other driver doesn’t have car insurance, or doesn’t have enough coverage for the damage they caused.… read full answer
Why You Should Get Uninsured Motorist Coverage in Florida
Normally, an at-fault driver’s insurance helps pay for any damage after an accident. However, if the other driver doesn’t have any – or enough – coverage, it can be time-consuming and difficult to sue them for funds to cover any medical or repair bills. That’s where this optional insurance coverage can help you save time and money.
Even though Florida does not require uninsured and underinsured motorist coverage, you should still consider buying it. In Florida, an average of 27% of drivers on the road don’t have car insurance, which means there is a 1 in 4 chance that the other driver won’t have coverage if you get into an accident. Car accidents in Florida can be very expensive, too.
Key Facts About Uninsured Motorist Coverage in Florida:
Minimum Uninsured Motorist Bodily Injury: $10,000 per person and up to $20,000 per accident
Florida car insurance laws require everyone who registers a car in the state to carry at least $10,000 of personal injury protection (PIP) and $10,000 of property damage liability (PDL). This is not much coverage. In fact, Florida has the lowest insurance requirements in the U.S. (except for New Hampshire, which requires no insurance).… read full answer
Minimum Coverage Required by Florida Car Insurance Laws
Personal Injury Protection: $10,000 of coverage is required.
Property Damage Liability: $10,000 of coverage is required.
Florida Car Insurance Laws for Seasonal Residents
In addition to all cars registered in Florida, Florida’s car insurance laws apply to any car that is driven in the state for more than 90 days in a 12-month period. This means Florida’s large seasonal population must meet Florida’s insurance requirements as well.
Seasonal residents often need to add PIP to their out-of-state policies, since this type of insurance is only required in 12 no-fault states. Residents of the few states with lower mandatory PDL limits also may need additional property damage liability coverage to drive legally in Florida.
How Florida Car Insurance Laws Work
Florida requires its drivers to carry PIP insurance
PIP pays the policyholder’s basic medical expenses, no matter who causes an accident. However, Florida doesn’t require bodily injury liability—the insurance that pays for the other party’s injuries.
Florida’s no-fault law is limited
“Fault” becomes an issue in Florida when injuries are permanent or serious (costing over $10,000 in medical bills and/or lost income). In these cases, victims can sue the at-fault driver. To ensure victims can be paid, the at-fault driver in an accident has to provide proof of “financial responsibility.” The most common proof is bodily injury liability insurance. Drivers also have the option of posting a bond of up to $20,000.
Florida’s PDL requirements are relatively low
Property damage liability insurance pays for damages a driver causes to other people's property in a crash. The damage can be to cars or other property such as fences or buildings. Florida’s PDL requirements are also relatively low. Most states require higher minimum limits, although there are some that require $10,000 like Florida and four that require only $5,000—California, Massachusetts, New Jersey, and Pennsylvania.
Yes, Florida is a no-fault state. Florida being a no-fault state for car insurance means all Florida drivers are required to purchase personal injury protection (PIP) insurance to cover their own medical bills after an accident regardless of who was at fault. Additionally, no-fault laws in Florida place limitations on a driver’s right to sue after an accident. Drivers in Florida can only sue if the injuries are permanent or the accident resulted in more than $10,000 in damages.… read full answer
Florida uses a pure comparative negligence system, meaning drivers can collect damages proportionate to their fault in causing the crash. For example, if they're 99% at fault, they can get 1% from the other driver.
Key Things to Know About No-Fault Insurance in Florida
Faster payouts. Police and your insurance company don't need to fully investigate the accident’s cause before you can get paid for your medical bills. As a result, your bills get paid more quickly than they would in a tort state, where fault for the accident determines the payout.
Coverage for medical expenses. Another benefit of having to carry PIP insurance is the knowledge that you're covered no matter who causes an accident. That can make driving in Florida a bit less nerve-wracking.
Higher premiums. Car insurance in Florida costs $2,313 per year, on average, while the national average cost of car insurance is $1,407 per year. States with no-fault laws typically have higher average car insurance costs due to the required PIP insurance.
Property damage is not covered. No-fault rules don’t apply to property damage. One or more drivers will be at fault after a collision, no matter which state you live in. The police and insurance companies consider Florida law, the circumstances of the collision, and drivers’ testimonies before deciding who is at fault.
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