Personal Injury Protection Car Insurance Coverage Florida FL

Reader’s Question:

Is there a minimum coverage that you are required for PIP in Florida?

Ariel

Orlando FL

 

The state of Florida has a minimum set limit amount of personal injury protection (PIP) car insurance a driver needs to carry. The minimum amount is $10,000 of PIP. The state also requires $10,000 of property damage liability (PDL) if you own a car in the state of Florida.

This PIP auto insurance coverage pays damage to you while driving your own or other people’s car. If you get involved in a crash in Florida, personal injury protection will cover you and members of your household who do not own a car, certain passengers who lack PIP, and certain licensed motorist who drive your vehicle with your permission.

If you get involve in an accident out of state, the PIP portion of your policy will cover only you and household members.

DUI Florida

Reader’s Question:

My sister received a traffic conviction for a DWI arrest and she’s only a teenager, just 17 years old. Can she take a traffic school course online for the state of Florida?

Jess

Orlando, FL

Great question Jess. The state of Florida requires that all new drivers attend a first time driver traffic law and substance abuse course. In addition, every teenage drivers under 18 years old must possess a Learner’s License for one year. There are no exceptions in this law.If a person under 18 years old receives a citation, he/she may attend a state certified traffic school or online course to avoid a conviction or points. Each court independently decides whether a juvenile can or cannot take a traffic school course. If your sister wasn’t specifically permitted by the court, she may have to ask the court’s permission before beginning the course.

Also, if a minor is convicted with a traffic offense such as a DWI while possessing a Learner’s License, the one year period required to hold their Learner’s License will be extended for one year from the date of the conviction or until he/she turns 18 years old, or whichever happens first. If a minor receive 6 points on his/her driving record in a 12 month period, their driving privileges will automatically be restricted to work purposes only for 12 months or until they’re 18. Please keep in mind that additional restrictions may also be applied. If a minor receives additional points during this restricted period, the restriction is extended 90 days for each additional point. If they have a blood alcohol level of .02% or more (applies to those under age 21), an administrative suspension of six months will follow. If the minor neglect to attend the traffic school, the driving privilege is suspended until a proof is provided of attend ding school for 30 consecutive days.

Buy Life Insurance Online

Reader’s Question:

I am thinking of buying a short term life insurance in Florida. What do I need to know when buying life insurance online?

Gary

Miami FL

Before you buy term life insurance in Florida, it is important to understand what term life insurance means. There are many kinds of life insurance policies available these days and a short term life insurance are usually considered to fill in any gaps in insurance coverage.

For an example, if you are in between jobs in Florida, you might consider buying short term life insurance in order to provide temporary coverage to your family lest something unfortunate happens to you. A short term life insurance in Florida may normally last from 1 to 6 months and benefits are identical to a long term life insurance. You have a couple of options for your short term life insurance in Florida. You may choose a plan that covers death regardless of the cause of death or a plan that covers accidental death only. The latter is commonly availed by most people who are in between insurance coverage due to a transition in their lives, such as transferring to another job.

Coverage amount for short term life insurance may vary from 50,000 to $ 250,000. Since term period is just short, most insurers no longer require any medical examinations. Life insurance can be purchased from different leading insurance companies. So, if you are planning to buy your life insurance online, here are a few points to consider.

1. Find out the various options available online. Get multiple quotes and compare various term life insurance policies by using online tools such as a comparison website.

2. Find out what kinds of short term policies are available and the corresponding coverage limits and premiums most especially for those policies without medical exam.

3. Choose wisely your insurance provider. Before buying your policy online, make sure that the company is reliable and has a good financial standing.

4. Before making any payments, verify if whether the website is secured for online payments.

5. There are also some insurers that offer discounts to those who purchased their policy online so choose those that can provide you with such.

6. Lastly, find out whether your short term life policy can be converted into a whole life policy at a later date.