Reader’s Question:

My brother just got promoted in his work and will be moving here to stay for good. He got some questions about car insurance in Miami Florida but I know so little about car insurance thingy. Please help. Thanks!

Edie

Miami, FL

Congratulations on your brother’s promotion! I’m hoping he’ll have a good stay here in Florida!

The requirement for car insurance in Miami Florida is simple. As you see, the state of Florida follows a no-fault system. This means that if you get involved in an accident, your own car insurance company will automatically pays for the damages on your part, depending on the limits that you have in your policy.

The minimum required limits fro car insurance in Miami Florida are as follows:

• For Property Damage Liability – $10,000
• For Personal Injury Protection – $10,000

You might be wondering what a Personal Injury Protection coverage is. This kind of coverage will pay for your own and your passenger’s medical bills. Meanwhile, Property Damage Liability coverage will cover for the damages incurred on properties.

I would also advise that your brother get additional coverage like Uninsured/Underinsured Motorist Bodily Injury. This coverage will back your brother up in an event that he got involved in a hit and run accident or with a person who does not have sufficient insurance coverage.
For additional information about car insurance in Miami Florida, you can check with the Florida Department of Financial Services. It’s also best if you can ask your car insurance agent for any inquiries you may have. Also, you can try checking the websites to get an estimate of car insurance rates in your area.