If you aren’t properly insured in the State of Florida, and you get pulled over, there’s a strong chance you could lose your license. If you are in violation of Florida’s uninsured motorist laws your license can be suspended and you may be required to pay a penalty to get the license reinstated.

In Florida, the reinstatement fee STARTS at $150. The reinstatement fee can run as high as $500. If you have multiple violations, the reinstatement fee to get your Florida drivers license back goes higher per violation. How does a person with a suspended license in Florida get it back? Read more »

Uninsured Motorists Bodily Injury or UM is described by some as one of the most important car insurance coverages you can carry.

One reason for this in the State of Florida? The expiration of the no-fault Personal Injury Protection law in 2007. No-fault personal injury protection may no longer be part of your options with Florida auto insurance, but UM coverage can fill the gap.

Uninsured Motorists Bodily Injury coverage pays for injuries caused by an uninsured driver or in the event of a hit-and-run accident.

If your accident results in medical costs, Uninsured Motorists Bodily Injury coverage pays up to the amount of the coverage you specify–which is why many Florida auto insurance agents recommend carrying as much as you can reasonably afford.

That said, it is very important to check your auto insurance policy and compare it to your personal health insurance. Make sure you are not duplicating coverage. Auto insurance laws and policy regulations are specifically designed to prevent “double dipping” and you should not expect to collect insurance money from two companies for the same hospital bills. Examine all policies carefully and make sure you are covered but not paying twice. Read more »

Who is Ed Carpenter? He’s a Florida auto insurance agent serving the Emerald Coast, who is active on YouTube and elsewhere promoting his car insurance business and educating people about Florida car insurance. Ed Carpenter’s videos explain the basics about Florida auto insurance, including personal experiences with car insurance claims.

Check out this great introductory clip about Florida auto insurance basics. This started making the rounds on YouTube in the spring of 2009, so the information is current and very helpful. Do you know what umbrella insurance is? How does Florida umbrella insurance protect you in the event of a car accident? What’s the ideal amount of coverage? Ed Carpenter explains it all.

Your Florida auto insurance policy has rules covering secondary drivers–the other people who operate your vehicle when you aren’t behind the wheel. Do you know who is covered and who isn’t when it comes to your car? What does your Florida auto insurance policy say about secondary drivers? Read more »

Florida auto insurance laws dictate minimum coverage amounts for liability insurance protection.

But insurance laws don’t force Florida drivers to buy insurance in amounts large enough to save you from going bankrupt in case of a major accident. How much will you pay if your coverage is too low? Do you know what the average amount of liability insurance payouts are after a typical car accident in Florida? Read more »

According to the Florida Highway Safey and Motor Vehicles official site, there are many things you’ll need to do when registering a vehicle for the first time in Florida. Florida auto insurance is a must. You’re required to have Florida car insurance coverage when registering; you can’t have Georgia auto insurance or Texas car insurance. State law requires you to have in-state coverage.

Florida auto insurance minimum coverage includes a $10,000 personal injury protection policy also known as PIP for short. You must also carry $10,000 property damage liability Florida car insurance. You’ll be required to have this coverage as long as your car carries Florida tags. Read more »