In the state of Florida the law requires all drivers to have these three auto insurance in order to drive on the streets of Florida. Auto insurance such as bodily injury liability, property damage liability and no-fault coverage

Bodily injury liability will cover ten thousand dollars for one person injured in an accident and twenty thousand dollars for two or more persons involved and injured in the accident. In property damage coverage, the amount will be specified upon knowing the reason of the accident. For instance, the reason is driving under the influence. The specified amount on paying for the property damage is fifty thousand dollars. No-fault coverage is applied to all four wheel vehicles excluding taxis and limousines. This provides benefits to the cars and people involved in an accident regardless of whose fault it is. This is in fact a must to have for every car owner in Florida. This covers ten thousand dollars for bodily injured and another ten thousand dollars for property damage.

In Florida, having auto insurance is a must. The proof that a car owner has auto insurance will be presented upon obtaining a driver’s license or having the car registered for plate. In the absence of these papers, one may not get the driver’s license or the car plate. If caught driving without the papers needed, a suspension of both the car plate and driver’s license for a minimum of three years will be the corresponding punishment.

Florida car insurance requirements can be divided into two laws. The financial responsibility law and the no-fault law, the financial responsibility law is drafted for the protection of everyone involved in the accident. This law applies when the license of the driver which caused the accident is revoked because of a ticket issued prior to the accident. The minimum insurance coverage of this is ten thousand dollars for bodily injured people involved in the accident and another ten thousand dollars for property damages.

On the other hand, no-fault law is created to protect the driver and the car if involved in an accident. The minimum coverage is ten thousand dollars for medical needs and ten thousand for property damages.

Having car insurance is one way of showing to people that one is a responsible driver. We must all remember that driving is not a right but a privilege for us to have. Therefore, given this privilege needs great amount of responsibility.