WalletHub, Financial Company
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You cannot get temporary car insurance in Florida, or any other state, because it does not exist. The only way to get short-term car insurance from any reputable insurer in Florida is to purchase a six or 12-month policy and cancel when you no longer need it. You may have to pay a cancellation fee, depending on your insurer, but you can usually get a refund for any unused coverage time you’ve prepaid for.
Another alternative to temporary car insurance in Florida is a non-owner policy, which is available to drivers who do not own or have regular access to a vehicle. Non-owner car insurance is cheaper than standard auto insurance, since it does not apply to a specific vehicle, and it is a good option if you plan to rent or borrow vehicles frequently.
People also ask
What coverage is required under Florida car insurance laws?
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).
Minimum Coverage Required by Florida Car Insurance Laws
- Personal Injury Protection: $10,000 of coverage is required.
- Property...
Do you need car insurance to borrow a car?
No, you do not need car insurance to borrow a car if the owner is insured, they have given you permission to drive the vehicle, and their policy allows it. Car insurance follows the car, not the driver, so expenses from an accident will generally be covered by the vehicle owner’s insurance policy. This is often referred to as permissive use.
If you plan to drive borrowed cars frequently, you should consider purchasing a non-owner car insurance policy. Non-owner coverage...
read full answerWhat happens if someone else is driving my car and gets in an accident?
If someone else is driving your car and gets in an accident, your car insurance will likely cover any resulting damage. Car insurance generally follows the car instead of the driver, so the car owner's insurance will cover the crash, even if someone else is driving. On the other hand, if your car is taken without permission or the driver is not licensed, the driver is responsible.
Insurance Options When Someone Crashes Your Car
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