| "Question of the day" archive. Florida Car Insurance is our specialty - There's no better way, call and get a quote today. Car Insurance Specialists & Florida Independent Agents |
My son recently received a DUI, and needs FR-44 insurance. Can I save money by keeping him on my
policy and simply adding the FR-44?
No. If a driver requires a state filing (SR-22 or FR-44), that person must be the primary named insured on the
policy (the only exception is if you are legally married, the policy can be under your spouses name with you as a
listed driver). All additional household members and drivers must be listed on the policy as well. Exclusions are
not permitted in any circumstance, meaning that even if a licensed driver in the household has their own car and
insurance, they still must be listed as a driver on the policy.
Does a driver with a learners permit need auto insurance?
It is mandatory that all people who own a registered vehicle in Florida carry the state minimum requirements for
auto insurance. It is the owner's financial responsibility and there are no special rules exempting drivers with a
learners permit. A driver who is a minor can obtain an auto insurance policy on their own. Some insurance
companies allow the additional driver to be added with no increase of premium to the policy.
What is Uninsured Motorist and the importance of having Uninsured Motorist?
It adds extra medical insurance coverage in case of an automobile accident where the other person is at fault and
will cover your medical expenses when the other person does not have Bodily Injury Liability or their Bodily injury
Liability Insurance does not have enough coverage. Your Uninsured Motorist limits can only be as high as your
bodily Injury limits.
Why is car insurance more expensive when under the age of 25?
1. Unproven driving record
2. The length of time you have your drivers license
3. Statistics (tickets and accidents involving these drivers occur more frequently).
4. Credit History
What steps should be taken when involved in an accident?
1. Contact the police.
2. Obtain information from all vehicles, drivers, and witnesses involved.
3. Note all of the facts: location, time and date of accident.
4. Immediately contact your insurance company to ensure that all proper procedures are taken when filing an
insurance claim.
What happens if i get pulled over and have no insurance?
The Florida Department of Highway Safety and Motor Vehicles has the authority to suspend your driving
privileges, including your vehicle tag and registration. Your license will remain suspended for up to three years, or
until proof of insurance is provided, whichever comes first. A reinstatement fee of $150 up to $500, for
subsequent violations, must be paid in addition to your proof of current coverage to lift the suspension. If your
license is suspended due to a DUI, an FR-44 filing is required for reinstatement.
What is 'agreed value,' and the benefits of this coverage option?
Agreed Value guarantees that in the event of a total loss, we will pay you the full amount of coverage listed on
your policy for your vehicle. Depreciation and subjective valuation on your vehicles is eliminated.
The concept is simple - if your vehicle is insured for $15,000, and it is totaled by a covered peril, you
receive $15,000 minus any deductible, if applicable.
Many insurers sell what is called “Stated Value” policies, which is inferior protection. This coverage states
you will receive “up to” the value listed for the vehicle in a total loss, but does not guarantee the full
amount will be paid.
"Full Coverage"- I frequently hear the term used loosely, but what exactly is it?
First thing to know is that there really is no such thing as 'full coverage." It is just a term (liberally used) referring
to physical damage coverage, aka- comprehensive and collision. 'Collision' covers damage incurred in a collision
with another object (such as another vehicle). 'Comprehensive' covers damage to your vehicle from vandalism,
theft, or glass breakage. If you are leasing or financing your vehicle, this coverage is mandatory per the
lien holder (the entity that owns and collects payments on the vehicle). There is a deductible associated with both
of these coverages. The deductible is the amount of out of pocket expenses that must be met before the
insurance company covers the damage. The higher your deductible, the lower your rate. Call for a quote now,
and see just how much you can save.
Why should I purchase more than the state minimum requirements of Personal Injury Protection and
Property Damage Liability?
If you are involved in an accident and it is your fault, only Bodily Injury Liability coverage (not included in the state
minimum requirements) will pay for the other parties injuries. If you are involved in an at fault accident and injure
someone without having this coverage, you assume full responsibility for their damages. Also, drivers who have
been in an at fault accident causing injuries and did not have Bodily Injury Liability or ability to provide
compensation may be required by the Bureau of Financial Responsibility to obtain an SR-22 filing, which comes
along with a $15.00 filing fee. Once mandated by the Bureau of Financial Responsibility to file an SR-22, failure to
do so may result in your driver’s license and or vehicle license plate being suspended for up to 3 years. To avoid
being held completely accountable for someone's injuries if in an accident and all the hassle associated with the
Bureau of Financial Responsibility, purchase Bodily Injury Liability on your quote and be confident that you are
protected.
Do I have to maintain an insurance policy on my car if it’s kept in storage while I’m away for the winter?
A Florida car insurance policy is required for any vehicle that has a valid Florida license plate assigned to it. The
registered owner is responsible for maintaining a policy throughout the entire registration period. Alternatively,
when you’re not using the car the license plate and registration can be surrendered and reissued later. This
process avoids license suspension for not having the Florida minimum required insurance on a registered vehicle.
Is automobile insurance mandatory to register a vehicle in Florida?
Yes. Any four wheel motor vehicle must maintain minimum mandatory insurance coverage of $10,000 Personal
Injury Protection (PIP) and $10,000 Property Damage Liability (PDL) as long as your vehicle is registered.
Click here to find more questions and answers about Florida auto insurance law.
My teenager just obtained his license, but isn't allowed to drive my car. Does he still need to be
insured?
In most cases, yes. Automobile insurance policies require all licensed persons in your household to be listed on
your insurance policy with the exception that they have a completely separate policy of their own. This includes a
teenager who just received their licence or a college student who still uses your address as their residence and/or
visits regularly on weekends, vacations, etc.
How can I make sure that I have the right coverage for me?
It's easy! Learn the basics right here. (knowledgeable consumers save the most money)
Call today and speak with a live agent for a free, friendly, and fast quote.
Insurance companies brag and boast about their efficient "claims" service.
I have never been in an accident though. How does this "claims" process work?
Click to find the answers to all of your questions about claims, accidents, and proper procedures.
I have been all over the web searching for useful information about Florida auto insurance.
But every site I come across asks me for my personal information after no more than a click or two.
Where can I find answers to my questions, without being asked questions myself? Look no further. Click here
Is car insurance required to receive a Florida driver’s license?
Insurance is not necessary to receive a Florida license. There are many other different types of requirements
that depend on a variety of factors. For details directly from the Florida Department of Highway Safety and Motor
Vehicles click here: http://www.flhsmv.gov/ddl/faqkeys.html#USC Proof of Florida car insurance must be
presented to register a motor vehicle and receive a license plate. Always consider the right type of coverage
when choosing insurance.
The information provided on this site is vital, comprehensive, and easily navigable.
If you're a driver in Florida, there's no doubt that you'll find answers to your insurance questions here.
Visitors are curious as to "who" these answers are coming from, and their credentials.
Click to find out more about us.
Whether you’re shopping for the first time, or for your renewal, your search for quality auto insurance (as with
most other products) should include a substantial amount of research. With so many variables (coverages,
vehicles, drivers, usage etc…) it is imperative to have at least a basic understanding of what you’re looking for.
This way, you can be confident that your insurance policy provides the appropriate protection.
Explore, learn more, and find answers to your questions - click here
How can I lower the cost of my car insurance for life?
It’s easy! Follow these steps, and be confident that you are getting the absolute best value for your dollar.
What information do I need to purchase my policy?
In order to assure an accurate quote , all Florida auto insurance policies require: Name, address, license number,
date of birth, social security number, sex, marital status, information for all drivers, occupation for all drivers, any
medical or mental impairment that would impair the ability to operate a motor vehicle for all drivers, all vehicles
and how they are used. The various Florida auto insurance companies will require additional and different
information.
How can an independent insurance agent save me money?
Company employees and captive agents that only represent one company limit your choices. Independent
insurance agents can quote and provide you with different companies that best suit your needs with the lowest
price available.
What are the benefits of using an independent insurance agent?
Independent agents have a vested interest in maintaining a helpful and caring relationship with their clients over
the “long haul”. Being able to turn to a trusted advisor during life cycle events, such as, buying a home, financing
a vehicle, or starting a business can be invaluable. Independent agents trust Progressive Insurance.
I’m tired of shopping every six months for insurance.
How do I lower the cost of my insurance for life?
Is Florida a no-fault state for auto insurance?
Yes, Florida is a no fault state, for more info please visit the Florida no fault section of our site.
policy and simply adding the FR-44?
No. If a driver requires a state filing (SR-22 or FR-44), that person must be the primary named insured on the
policy (the only exception is if you are legally married, the policy can be under your spouses name with you as a
listed driver). All additional household members and drivers must be listed on the policy as well. Exclusions are
not permitted in any circumstance, meaning that even if a licensed driver in the household has their own car and
insurance, they still must be listed as a driver on the policy.
Does a driver with a learners permit need auto insurance?
It is mandatory that all people who own a registered vehicle in Florida carry the state minimum requirements for
auto insurance. It is the owner's financial responsibility and there are no special rules exempting drivers with a
learners permit. A driver who is a minor can obtain an auto insurance policy on their own. Some insurance
companies allow the additional driver to be added with no increase of premium to the policy.
What is Uninsured Motorist and the importance of having Uninsured Motorist?
It adds extra medical insurance coverage in case of an automobile accident where the other person is at fault and
will cover your medical expenses when the other person does not have Bodily Injury Liability or their Bodily injury
Liability Insurance does not have enough coverage. Your Uninsured Motorist limits can only be as high as your
bodily Injury limits.
Why is car insurance more expensive when under the age of 25?
1. Unproven driving record
2. The length of time you have your drivers license
3. Statistics (tickets and accidents involving these drivers occur more frequently).
4. Credit History
What steps should be taken when involved in an accident?
1. Contact the police.
2. Obtain information from all vehicles, drivers, and witnesses involved.
3. Note all of the facts: location, time and date of accident.
4. Immediately contact your insurance company to ensure that all proper procedures are taken when filing an
insurance claim.
What happens if i get pulled over and have no insurance?
The Florida Department of Highway Safety and Motor Vehicles has the authority to suspend your driving
privileges, including your vehicle tag and registration. Your license will remain suspended for up to three years, or
until proof of insurance is provided, whichever comes first. A reinstatement fee of $150 up to $500, for
subsequent violations, must be paid in addition to your proof of current coverage to lift the suspension. If your
license is suspended due to a DUI, an FR-44 filing is required for reinstatement.
What is 'agreed value,' and the benefits of this coverage option?
Agreed Value guarantees that in the event of a total loss, we will pay you the full amount of coverage listed on
your policy for your vehicle. Depreciation and subjective valuation on your vehicles is eliminated.
The concept is simple - if your vehicle is insured for $15,000, and it is totaled by a covered peril, you
receive $15,000 minus any deductible, if applicable.
Many insurers sell what is called “Stated Value” policies, which is inferior protection. This coverage states
you will receive “up to” the value listed for the vehicle in a total loss, but does not guarantee the full
amount will be paid.
"Full Coverage"- I frequently hear the term used loosely, but what exactly is it?
First thing to know is that there really is no such thing as 'full coverage." It is just a term (liberally used) referring
to physical damage coverage, aka- comprehensive and collision. 'Collision' covers damage incurred in a collision
with another object (such as another vehicle). 'Comprehensive' covers damage to your vehicle from vandalism,
theft, or glass breakage. If you are leasing or financing your vehicle, this coverage is mandatory per the
lien holder (the entity that owns and collects payments on the vehicle). There is a deductible associated with both
of these coverages. The deductible is the amount of out of pocket expenses that must be met before the
insurance company covers the damage. The higher your deductible, the lower your rate. Call for a quote now,
and see just how much you can save.
Why should I purchase more than the state minimum requirements of Personal Injury Protection and
Property Damage Liability?
If you are involved in an accident and it is your fault, only Bodily Injury Liability coverage (not included in the state
minimum requirements) will pay for the other parties injuries. If you are involved in an at fault accident and injure
someone without having this coverage, you assume full responsibility for their damages. Also, drivers who have
been in an at fault accident causing injuries and did not have Bodily Injury Liability or ability to provide
compensation may be required by the Bureau of Financial Responsibility to obtain an SR-22 filing, which comes
along with a $15.00 filing fee. Once mandated by the Bureau of Financial Responsibility to file an SR-22, failure to
do so may result in your driver’s license and or vehicle license plate being suspended for up to 3 years. To avoid
being held completely accountable for someone's injuries if in an accident and all the hassle associated with the
Bureau of Financial Responsibility, purchase Bodily Injury Liability on your quote and be confident that you are
protected.
Do I have to maintain an insurance policy on my car if it’s kept in storage while I’m away for the winter?
A Florida car insurance policy is required for any vehicle that has a valid Florida license plate assigned to it. The
registered owner is responsible for maintaining a policy throughout the entire registration period. Alternatively,
when you’re not using the car the license plate and registration can be surrendered and reissued later. This
process avoids license suspension for not having the Florida minimum required insurance on a registered vehicle.
Is automobile insurance mandatory to register a vehicle in Florida?
Yes. Any four wheel motor vehicle must maintain minimum mandatory insurance coverage of $10,000 Personal
Injury Protection (PIP) and $10,000 Property Damage Liability (PDL) as long as your vehicle is registered.
Click here to find more questions and answers about Florida auto insurance law.
My teenager just obtained his license, but isn't allowed to drive my car. Does he still need to be
insured?
In most cases, yes. Automobile insurance policies require all licensed persons in your household to be listed on
your insurance policy with the exception that they have a completely separate policy of their own. This includes a
teenager who just received their licence or a college student who still uses your address as their residence and/or
visits regularly on weekends, vacations, etc.
How can I make sure that I have the right coverage for me?
It's easy! Learn the basics right here. (knowledgeable consumers save the most money)
Call today and speak with a live agent for a free, friendly, and fast quote.
Insurance companies brag and boast about their efficient "claims" service.
I have never been in an accident though. How does this "claims" process work?
Click to find the answers to all of your questions about claims, accidents, and proper procedures.
I have been all over the web searching for useful information about Florida auto insurance.
But every site I come across asks me for my personal information after no more than a click or two.
Where can I find answers to my questions, without being asked questions myself? Look no further. Click here
Is car insurance required to receive a Florida driver’s license?
Insurance is not necessary to receive a Florida license. There are many other different types of requirements
that depend on a variety of factors. For details directly from the Florida Department of Highway Safety and Motor
Vehicles click here: http://www.flhsmv.gov/ddl/faqkeys.html#USC Proof of Florida car insurance must be
presented to register a motor vehicle and receive a license plate. Always consider the right type of coverage
when choosing insurance.
The information provided on this site is vital, comprehensive, and easily navigable.
If you're a driver in Florida, there's no doubt that you'll find answers to your insurance questions here.
Visitors are curious as to "who" these answers are coming from, and their credentials.
Click to find out more about us.
Whether you’re shopping for the first time, or for your renewal, your search for quality auto insurance (as with
most other products) should include a substantial amount of research. With so many variables (coverages,
vehicles, drivers, usage etc…) it is imperative to have at least a basic understanding of what you’re looking for.
This way, you can be confident that your insurance policy provides the appropriate protection.
Explore, learn more, and find answers to your questions - click here
How can I lower the cost of my car insurance for life?
It’s easy! Follow these steps, and be confident that you are getting the absolute best value for your dollar.
What information do I need to purchase my policy?
In order to assure an accurate quote , all Florida auto insurance policies require: Name, address, license number,
date of birth, social security number, sex, marital status, information for all drivers, occupation for all drivers, any
medical or mental impairment that would impair the ability to operate a motor vehicle for all drivers, all vehicles
and how they are used. The various Florida auto insurance companies will require additional and different
information.
How can an independent insurance agent save me money?
Company employees and captive agents that only represent one company limit your choices. Independent
insurance agents can quote and provide you with different companies that best suit your needs with the lowest
price available.
What are the benefits of using an independent insurance agent?
Independent agents have a vested interest in maintaining a helpful and caring relationship with their clients over
the “long haul”. Being able to turn to a trusted advisor during life cycle events, such as, buying a home, financing
a vehicle, or starting a business can be invaluable. Independent agents trust Progressive Insurance.
I’m tired of shopping every six months for insurance.
How do I lower the cost of my insurance for life?
Is Florida a no-fault state for auto insurance?
Yes, Florida is a no fault state, for more info please visit the Florida no fault section of our site.
Florida Auto Plus Insurance Agency
1-877-WIZ-AUTO (949-2886)
1-877-WIZ-AUTO (949-2886)
Florida Auto Plus Insurance, Simply the best.
Local map and directions: 9742 Banyan Street Miami, Fl 33157
Call or click today. You'll be glad you did.
1-877-WIZ-AUTO.com
Local map and directions: 9742 Banyan Street Miami, Fl 33157
Call or click today. You'll be glad you did.
1-877-WIZ-AUTO.com
Be Sure to Visit our Resource Guide to learn even more
Florida quotes for all drivers.
Independent agents provide dedicated service and
choice to their clients. Expect more from us. We
provide up-to-date quote comparisons every renewal,
for the life of your policy. Personal information on
comparison websites exposes you to telemarketers,
spam mail, and identity theft.
Independent agents provide dedicated service and
choice to their clients. Expect more from us. We
provide up-to-date quote comparisons every renewal,
for the life of your policy. Personal information on
comparison websites exposes you to telemarketers,
spam mail, and identity theft.
Local auto insurance in neighborhoods throughout the
sunshine state is our area of expertise.
Progressive Insurance quotes online that include a
dedicated independent agent are available here.
As Florida car insurance specialists and independent
agents we provide value and choice.
sunshine state is our area of expertise.
Progressive Insurance quotes online that include a
dedicated independent agent are available here.
As Florida car insurance specialists and independent
agents we provide value and choice.
"Welcome, thanks for calling" - Wally
www.WizardInsurance.com
1-877-WIZ-AUTO (949-2886)