The state of Florida uses the no-fault insurance system and this is something that all consumers should keep in mind when obtaining auto insurance quotes. Because motorists in the Sunshine State claim from their own insurers after most road traffic accidents, they are only legally obliged to purchase personal injury protection and property damage liability.
Although the mandatory requirement may seem quite low compared to states that operate using the Tort system, this does not necessarily mean that policies are cheaper. Indeed, car insurance quotes in Florida are usually much higher in comparison to many other American states. The cost of bodily injury liability that is compulsory in Tort states is simply factored into the overall cost of an individual policy instead and this is what makes them so expensive.
If a policy is purchased on the back of an auto insurance quote, it needs to be maintained throughout the period of validity or driving privileges could be suspended. Reinstatement fees are set at $150 for a first offence but these can rise to $500 for any subsequent violations. Motorists in Florida are advised to carry proof of auto insurance inside their vehicles at all times.
Motorists with a long-standing record of accidents, claims or DUI/DWI violations will need to submit an SR-22 form once a policy has been purchased to verify the fact that they are using their vehicle legally. Sometimes, the state may demand a driver with excessive violations to take out bodily injury liability cover and the rates for this can be exceedingly high. These motorists will also need to fill out a FR-44 form through the Bureau of Financial Responsibility before they can take to the road again.