The State of Florida has implemented requirements for insurance that drivers within the state must meet.  When you are purchasing the best auto insurance in Florida you must clearly understand liability minimums. This way you are adequately protected when you are driving in the state as well as meeting all state requirements for your insurance coverage.

The best auto insurance specific policies and regulations

The governing body for vehicles and insurance in the State of Florida is the Florida Department of Highway Safety and Motor Vehicles (DHSMV).  The DHSMV has put requirements in place that they receive notification regarding insurance status for all drivers registered with the state.  This means that your insurance company will notify the DHSMV in the event that your coverage lapses or is canceled.  Keeping your insurance current with the DHSMV is essential and they will notify every registered driver if proof of insurance is not on record or has been canceled.  When the DHSMV contacts the registered driver regarding insurance they will also receive a date at which the vehicle registration and driver’s license will be suspended and if you want to reinstate both there are escalating fees involved for each offense.  Don’t spend your entire time in the State of Florida during the off-season? According to Florida Insurance Quotes here, if you put your car in storage, you are still required to maintain insurance on the vehicle even if it is not being driven.  This is important for seasonal residents to remember that they cannot let their insurance lapse or they will be fined by the State of Florida and both their license and registration will be revoked.

Florida auto insurance liability minimums and requirements

The State of Florida requires that all insurance policies meet certain requirements including liability minimums.  The state requires that all car insurance policies carry personal injury protection coverage at a minimum of $10,000 and the same amount for property damage protection.  Both the personal injury protection and property damage protection coverage must be current with no lapses for every registered vehicle in the state.  The State of Florida falls in the no-fault insurance category which means that regardless of who caused the accident or incident your insurance will cover the damages up to the policy limits.  Each person in the vehicle will be covered by your insurance policy unless they have a registered vehicle of their own with accompanying insurance.  In this case, the claim is then filed under their policy.  It is important to understand that if you are a registered driver with insurance riding in another person’s vehicle that you are covered by your own insurance and not the driver’s.

The best auto insurance in Florida is closely regulated by the State of Florida.  There are very specific requirements that must be met for all vehicles registered within the State of Florida and fines are imposed if these are not met.  To ensure that you are covered by the correct insurance work with a licensed insurance provider in the State of Florida go to and get a policy for your vehicle.