Driving without insurance in Tampa

Are you driving without car insurance in Tampa, Florida? What will happen to you when you get caught? Even if you are a meticulous driver, don’t you need an auto insurance?

Before anything else, there is something important you must know. In Florida, as in each and every American state, its illegal to drive without insurance. It is a punishable offence in the eyes of the law and when, not if, you get caught for driving without insurance, you will have to face charges.

Law enforcement agents in the state of Florida are checking people’s insurance frequently. Your driving privilege can be suspended by the Department of Highway Safety and Motor Vehicles for up to 3 years or until you present a proof of Florida car insurance.

Naturally, taking away your drivers license is only the tip of the iceberg. In order to reinstate your drivers license, you will have no choice but to pay a fine as well. You can expect to be fined anything from $150 to $500, depending on your driving history. You will also be required to have SR22 insurance in Florida for the next 3 years!

Apart from the fact that its a crime, driving with no auto insurance in the state of Florida is a bad idea. Statistics show that most serious accidents are caused by drivers without insurance.

Take into consideration that even if you are not caught just yet, it is very probable that you may cause an accident and being uninsured will mean that you will possibly have to pay a very large amount of money to cover repairs and medical expenses.

Experts say that as many as 1 in 5 drivers in the state of Florida are uninsured. Even more true now, considering the state of our economy and the need for people to cut corners. Saving money is one thing, but when it comes to driving in Florida, the law states it clear – you are obliged to have insurance.

Its is much wiser to save money by comparing quotes and finding affordable car insurance in Florida. Driving without insurance is not worth the risk. Why don’t you compare Free Florida No Fault insurance quotes online now? You will be surprised by how affordable car insurance in Florida can really be.

Car Insurance Requirements In Other US States

New Jersey car insurance requirements:

$15,000 Bodily Injury Liability (BIL)
$5,000 Property Damage Liability

More information can be found at Compare New Jersey car insurance quotes

Pennsylvania car insurance requirements:

$5,000 Medical Benefits Insurance
$15,000 Individual Bodily Injury Liability, $30,000 Total BIL cover
$5,000 Property Damage Liability (PDL)

More information can be found at Philadelphia car insurance requirements

Washington state car insurance requirements:

$10,000 for damage to the property per accident.
$25,000 for Bodily Injury Liability (BIL) per person per accident.
$50,000 for Total Bodily Injury Liability per accident.

More information can be found at Washington Car Insurance Requirements and Compare Seattle car insurance quotes

California car insurance requirements:

$5,000 for damage to property.
$30,000 for injury/death to more than one person
$15,000 for injury/death to one person

More information can be found at California car insurance quotes and San Diego car insurance requirements.

Georgia car insurance requirements:

$25,000 per person for bodily injury
$50,000 per accident for bodily injury to two or more persons
$25,000 per accident for property damage

More information can be found at Atlanta car insurance requirements

Colorado car insurance requirements:

$25,000 in Individual Bodily Injury Liability (BIL) for one person
$50,000 Total Bodily Injury Liability per incident
Property Damage Liability (PDL) to a minimum of $15,000.

More information can be found at Denver car insurance requirements

Michigan No-fault car insurance requirements:

$40,000 for each accident if several people are hurt or killed
$20,000 for a person who is hurt or killed in an accident
$10,000 for property damage in another state

More information can be found at Compare Detroit car insurance quotes

SR22 Form – What is it?

SR22 insurance quotes

SR22 insurance, as its often known as, is not in fact a type of Florida auto insurance. Simply put, SR22 is the name of the document which is used by vehicle insurance companies to acknowledge that a driver has an insurance policy maintain the limits of liability.

SR22 form is submitted by your car insurance company to the Florida’s Bureau of Financial Responsibility, in case of course you are required to file such evidence of liability insurance. Driving under the influence, too many points on your license for traffic violations, driving uninsured are some of the reasons why you may be required to have SR22.

Florida No Fault insurance law indicates that the minimum requirements for an auto insurance policy are $10,000 of Personal Injury Protection and $10,000 of Property Damage Liability. Bodily Injury Liability (BIL) is added in addition to the minimum Florida No Fault requirements if you need SR22 Insurance. In Florida, SR22 will require minimum Bodily Injury Liability limits of $10,000 per person and $20,000 per accident. Combined single limit of liability, $30,000, will also be sufficient to fulfil this requirement.

The amount you will pay for BIL will be the same regardless of the fact that you are required to file a SR22 form. The only additional cost to you is a $15 filing fee.

Still, if you are required to file a SR22 form you will pay more for your auto insurance. Its not because of the SR22 filing, but rather because of the reasons stated above – DUI, suspension for too many points, driving uninsured.

If you don’t comply if mandated by the Bureau of Financial Responsibility, vehicle license plate and or your driver’s license will be suspended. If this happens, in addition to the filling fee, reinstatement fees will apply.

Tampa Auto Insurance FAQ

I am registering a vehicle for the first time in Tampa, Florida. Is auto insurance mandatory?

Yes. If you own a vehicle with at least four wheels and are registering it in Tampa, you must have Florida No Fault Insurance.

What type of insurance is required to purchase and maintain a Florida tag and registration?

Florida’s minimum coverage is $10,000 Personal Injury Protection (PIP) and $10,000 property damage liability (PDL) as long as you have a valid Florida tag.

What is PDL (Property Damage Liability) insurance?

This coverage pays for damages you or members of your family cause (and are liable for) to other people’s property in a crash involving a motor vehicle.

What is BIL (Bodily Injury Liability) insurance?

Bodily Injury Liability coverage pays for serious and permanent injury or death to others when you cause a crash involving your automobile. Your insurance company will pay for injuries up to the limits of your policy and provide legal representation for you if you get sued.

In particular, your company pays for injuries caused by you or members of your family who live with you, even if they were driving someone else’s vehicle. It may also cover others who drive your automobile with your permission.

This coverage also provides you with legal defense in the event you are sued by the injured party.

SR22 Form – What is it?