HANDYMAN 
Important Info About Florida Handyman Insurance
Important Info About Florida Handyman Insurance: Although the majority of states enforce the Financial Responsibility Law, Floridians are well aware of the fact that the state is one of the minority that implements the No Fault law. Many states adhere to these types of policies because it is believed that it keeps many traffic accident cases and lawsuits out of court rooms by securing instant compensation to injured parties. The basic principal of the No-Fault system is to require motorists to carry coverage to protect injuries sustained as a result of a traffic accident regardless of who is at fault.
In order to be in compliance with the state’s requirements, motorists will often choose to purchase an automobile policy from one the many licensed auto insurance companies in Florida authorized to do business in the state. Policies issued must have no less coverage than Personal Injury Protection (PIP) in the amount of $10,000 and Property Damage Liability (PDL) in the amount of $10,000. The PIP portion of a policy will pay for the injuries caused to the insured and passengers following a collision regardless of who is responsible. Property damage liability will pay for damages that the policyholder causes to another party’s property up to the limits of the stated on the policy. Although these are the minimum requirements, more protection can be purchased for an additional premium.
Additional Important FL Insurance Information
Motorists must carry at least the legal insurance requirements at all time in order to maintain valid state license plates and vehicle registration. If a motorist is caught driving uninsured it may result in the suspension of driving privileges, registration and license plates for up to three years or until proof of coverage is shown to the state. In order for a Floridian to have driving privileges reinstated, a reinstatement fee of $150 must be paid and can get as high as up to $500 for subsequent offenses and in both instances, proof of coverage will need to be shown prior to reinstatement.
In addition, according to the Florida Department of Highway Safety and Motor Vehicles, individuals that have found to be responsible for causing an accident which caused bodily injury or property damage to another party must purchase additional coverage. Such motorists will now be required to carry Bodily Injury Liability in the amounts of at least $10,000 for the bodily injury of one person and $20,000 for bodily injuries for more than one person in addition to the mandatory of $10,000 in personal injury protection and $10,000 in property damage liability. These laws were put into place to make sure that residents are protected while on Florida’s roadways.
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