Commerical Vehicle Insurance Online in Florida
Reader’s Question:
I have a vacation home in Orlando, Florida and I reside most of the time in New York. I want to buy a car in Florida, register and insure it there. Is it possible that I could use it when I went on vacation? This is a commercial vehicle, can I still get a quote online?
Henry
Orlando, FL
Yes Henry, it should be possible for you to register and insure a car to keep at your vacation home in Florida. There are actually many “snowbirds” that live part of the year in Florida and the other part in different parts of the US or even out of the country. The state of Florida requires any seasonal or part time resident living in Florida for 90 days or more during the year to get a Florida personal injury protection (PIP) and property damage liability (PDL) car insurance for their vehicle.
Since it sounds as if your car will remain in Florida year round then you will need to keep this Florida minimum insurance on the car for the whole year. For the months that you are not in Orlando, Florida you must continue to maintain car insurance on your vehicle or surrender your Florida tag and registration at the nearest driver license or tag office. If you opt to do this, when you next return to Florida you can register the vehicle after you have obtained proof of Florida insurance once again. Contact the FL Department of Highway Safety and Motor Vehicles (HSMV) to get information on how to register a car in Florida.
I Was In an Acciden Now I Need To File An Auto Insurance Claim?
Reader’s Question:
What if I get into an accident in and the other driver doesn’t have car insurance? What if the other driver caused the accident, what would happen?
Denver
Huntsville, AL
In Huntsville and in any areas in Alabama, all drivers are mandated by law to carry 20/40 liability insurance to cover injuries or death of another in an accident. There are two potential problems: first, the driver is illegally driving without car insurance. Second, the driver only carries a minimum insurance coverage and your losses or car damages exceed that amount.
Most car insurance policies include Uninsured Motorist/Underinsured Motorist (UM/UIM) coverage. If the other uninsured driver was the one who caused the accident, your own insurance policy will pay for your personal injuries, if you have “uninsured motorist” or medical payments” coverage. If the other driver’s auto insurance coverage is not enough to pay for all of your damages, your own insurance may pay the difference, if you have “underinsured motorist” coverage. If you do not have these kinds of car insurance or if your damages are more than the policy’s limit, you can sue the other driver’s negligence. If the other driver’s negligence was the cause of the accident, occupants in your car are covered for medical expenses and lost wages for a minimum of $20,000 per individual/$40,000 per accident. Thus, it will be best for drivers to purchase more than the minimum coverage. Also, it may be necessary to take your insurance company to court if they are not willing to cover the claim.
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