Miami Car Insurance
Reader’s Question:
My brother will be insuring his first car soon here in Miami. I’d like to help him about his car insurance needs. What are the things that I need to know about Miami car insurance?
Tim
Miami, FL
Hello Tim! Every vehicle owner in Florida is required to purchase car insurance. As long as your vehicle is registered and licensed in Florida, then you need to maintain your car insurance policy in all of your vehicles. This law applies to all vehicles that have four wheels and more.
If your brother will stay here for seasonal time only, then he still needs to get Miami car insurance policy. That is if he chose to stay at least for 90 days in a year. This rule applies even if the 90-day period is not consecutive.
Just for clarification, the state of Florida only requires every driver to carry Property Damage Liability with the minimum amount of $10,000 and Personal Injury Protection of $10,000 minimum amount also. This means that your brother is not required by the law to purchase additional Miami car insurance coverage. In fact, it is strongly prohibited by Florida law that auto insurance companies require its policyholders to purchase additional coverages aside from Property Damage Liability and Personal Injury Protection. Additional coverages may only be offered but not required.
To buy a Miami car insurance coverage, you need to make sure that your brother will only purchase car insurance from auto insurance company that is licensed to conduct business in Florida. Moreover, if your brother chose to get his car insurance from an agent, that agent must be licensed also to sell insurance here.
For more information about car insurance, you may also check with the Florida Department of Financial Services.