Florida No Fault Insurance No Fault Auto Insurance Laws in FL and Other States

What is Florida no-fault insurance? What exactly is no-fault insurance in the first place? Where is it available and what are its advantages and disadvantages? If your life in FL and have questions about how the Florida no-fault car insurance laws work or really if you live in any one of the twelve states that use a no-fault system, knowing the answers to these questions will help you understand how your car insurance policy works. Read on to learn some of the basics of no-fault car insurance in Florida and in other states.

WHAT IS NO-FAULT INSURANCE?

Under 'pure' no-fault insurance each driver would be completely covered by his own auto insurance (up to his policy limit), and drivers would be barred from suing another driver regardless of the severity of the accident, the injuries incurred and even if a death were involved.

However, no state uses 'pure' no-fault insurance. In general, no-fault is an auto insurance system in which both drivers must carry insurance for their own protection, and their ability to sue other drivers for damages is regulated by certain limitations. States impose these limitations by determining which cases are permitted to go to litigation.

Under this system, motorists may sue for severe injuries and pain and suffering. Some states MI, NJ, NY, and PA use a verbal threshold system, where the severity of the injury is defined in verbal terms (verbal threshold). Other states use a monetary threshold, a set dollar amount in medical bills and lost wages that must be met before a motorist may sue for damages. Insurers generally favour laws that provide for a verbal threshold on suits instead of a dollar threshold. Setting dollar targets for medical expenses may encourage the submission of fraudulent claims in an effort to reach the total dollar amount whether the expense it justified or not.

WHY THE NEED FOR NO-FAULT INSURANCE?

The desire for a new way of handling auto insurance claims rose out of a dissatisfaction with the way in which insurance claims were processed. This dissatisfaction was not only on the part of those purchasing auto insurance but also on those companies and agencies marketing auto insurance and the state officials regulating it. The issue focused on the often expensive and time-consuming process of determining who was at fault in the accident and who was legally and financially responsible.

The delays in determining liability caused legislation to be introduced in many states in the 1970s that allowed victims to recover financial losses such as medical and hospital expenses and lost income from their own insurance companies. This became a forerunner of today's no-fault insurance.

The concept of no-fault insurance was first widely introduced to the public in the early 1900s. Its two main tenants, stemming waste, inequities, and lengthy delays in the liability system, and providing affordable coverage for medical care and rehabilitation costs had its appeal among the populace. However, the process that was to be put into place to pay for no-fault insurance was anything but appealing to the voters. A pay-at-the pump initiative was introduced as a way to pay for no-fault insurance by collecting a fee on gasoline sales. In every state in which the initiative was considered, the plan to tax gas in order to fund no fault was defeated. Legislature in many forms was even introduced at the Congressional level but it never made it to a vote.

HOW DOES NO-FAULT WORK?

The 'no-fault' part of an insurance plan is usually called PIP, Personal Injury Protection, or it is sometimes referred to as OBEL, Optional Basic Economic Loss. Different state's PIP's cover different aspects associated with personal injury. Generally, the coverage is related to medical expenses, loss of wages, and compensation for loss of services incurred because of an auto accident. Funeral costs and death benefits are also usually covered.

STATES THAT HAVE NO-FAULT INSURANCE LAWS

MI, NJ, NY, PA, HI, KS, KY, MASS, MI, ND, UT, and DC and Puerto Rico have a no-fault insurance system. Florida's no-fault insurance expired Oct. 1, 2007, but was re-enacted in Jan of 2008. However, when the system was re-instated, significant reforms to curb fraud were added. This may have been due in large to a letter sent by Chief Financial Officer Alex Sink in July of 2007 to the Governor and state officials. This letter stated that more than 3,000 complaints about PIP fraud had been received in the last twelve months and 329 cases were opened with 225 convictions being obtained. Under the former system, unscrupulous medical clinics and attorneys could run up medical costs for minor accidents.

The following states had no fault Insurance in place at one time and chose to repeal it, with the exception of Pennsylvania who repealed theirs and then reenacted it.

Nevada: - effective 1974 - repealed 1980
Pennsylvania: - effective 1976 - repealed 1984 - reenacted 1990
Georgia: - effective 1975 - repealed 1991
Connecticut: - effective 1973 - repealed 1993
Colorado: - effective 1974 - repealed 2002

WHAT ARE THE BENEFITS OF NO-FAULT INSURANCE?

No-fault is intended to reduce legal and administrative fees that are associated with insurance claims and reduce premium costs. Also, the long delays associated with determining which party is at fault and the haggling between insurance companies over who is financially responsible is done away with. This plan also ensures that no matter who is responsible for an accident each party will be covered to his policy limit.

CRITICS OF NO-FAULT INSURANCE

Critics point out that this insurance system carries some of the highest insurance premiums in the nation. The liability issues that still remain intact actually drive premium costs up. States with no-fault insurance also carry the highest incidences of fraud and abuse. Another criticism of no-fault insurance is that reckless or negligent drivers are not punished because many cases do not go to trial and these drivers may continue to drive irresponsibly.

NO-FAULT AUTO INSURANCE QUOTES

Whether you are in a no-fault state or not - it is always a good plan to shop around and compare car insurance quotes at least once every 6 months to ensure that you are getting the best deal.

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Alabama Auto Insurance

If you are planning to buy a car in Alabama and register your car for Alabama car insurance, then you must first be aware that unlike other states, you have to prove that you are taking the responsibility to financially cover yourself in the event your car is involved in an accident. This is one legal requirement in Alabama, which you must keep in mind while applying for Alabama auto insurance, otherwise, you would not be allowed to drive your car on public roads in the state of Alabama.

One of the easier ways to meet with this requirement of Alabama car insurance policies is to purchase insurance from carriers licensed to sell insurance in the state of Alabama. There are other options available too - you can obtain a Motor Vehicle Liability Bond for a minimum amount of $50000 or a Certificate of Cash Bond for a minimum amount of $50000.

By purchasing a basic Alabama car insurance policy for liability coverage, you are ensuring that you meet the minimum financial responsibility requirement of the state of Alabama. There are a lot of ways by which you can prove your financial coverage responsibility to entitle yourself for Alabama Car Insurance. You can show a copy of your insurance card or premium receipt or a certificate of liability policy from your provider. A copy of your liability insurance policy or a copy of the invoice of vehicle purchase would also suffice. In the event you are renting a vehicle in the state of Alabama, you can also show a copy of the rental agreement. Finally, a copy of the Motor Vehicle Liability Bond or a Certificate Cash Bond is also a valid proof of your financial responsibility coverage for obtaining Alabama auto insurance cover.

If you do not meet this important financial responsibility coverage provision for Alabama auto insurance, you are running the risk of your registration being suspended. Reinstatement of registration is a very complicated process and involves hefty monetary penalties which may not necessarily guarantee reinstatement of your registration. Car owners in the state of Alabama cannot circumvent these legal requirements for obtaining Alabama car insurance but what they do is to look for cheap and budget car Alabama car insurance quotes which most insurance companies willingly provide. Most of these insurance companies have the facility of providing instant cheap Alabama car insurance quotes by filling up simple online forms so that you can decide which quote suits you the best

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Car Insurance in Vermont

Car Insurance in Vermont

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Donate car to charity California

Vermont laws require you to maintain car insurance on your vehicles so that you are safe from unfortunate costs you may encounter from the risks of owning a car.

Read more to learn all about car insurance rules, how Vermont officials can help you with car insurance issues, and how you can save on your premiums.

Vermont Car Insurance Requirements

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Vermont laws require you to purchase liability and uninsured motorist coverages as part of your car insurance policy.

Liability Coverage

In Vermont, your car must have liability car insurance to help pay for costs related to injuries or property damage from a car accident you caused.

To comply with Vermont’s laws, your liability insurance must include the followingminimum limits:

• $25,000 for injury or death to one person in an accident.
• $50,000 for total injury or death if multiple people are hurt in the accident.
• $10,000 for property damage.

Uninsured/Underinsured Motorist Coverage

Uninsured and underinsured motorist coverage helps you pay for costs arising from injuries you suffer after an accident caused by a driver who does not have car insurance or who has insufficient insurance to cover your costs.

Vermont requires you to have uninsured/underinsured motorist coverage at the following minimum limits per accident:

• $50,000 for bodily injury to one person.
• $100,000 for total injury if multiple people are injured or killed.

Optional Coverage

While you are only required to hold liability and uninsured motorist coverage, you may want to consider purchasing additional coverage to help further protect you against unfortunate incidents.

When shopping around for car insurance quotes, consider one or more of the following:

• Collision – This will help pay for damages to your car due to traffic accidents.
• Other than collision (commonly known as “Comprehensive”) – This will help pay for damages to your car resulting from most cases that do not involve traffic accidents.
• Medical payments – This will help cover your medical costs related to injuries from a car accident.
• Towing and labor.
• Rental.

Proof of Insurance

The state does not require you to file a proof of insurance with the DMV. However, you will be required to show proof of insurance upon a police officer’s request during a traffic stop.

Proof of insurance can be obtained through your auto insurance company or agent and typically comes in the form of a car insurance ID card.

Violations and Penalties

If you are pulled over and found to be without proof of insurance, but you do have a current insurance policy, you will be given 15 days to provide your proof of insurance to the officer that stopped you.

If you do not have insurance, you face the following penalties:

• Fines.
• 2 points on your driving record.
• Mandatory filing of Financial Responsibility Insurance (SR-22).
  • See below for more information.

Financial Responsibility Insurance (SR-22)

Financial Responsibility Insurance, also known as SR-22 insurance, is a type of insurance that covers you instead of your car. This means that no matter what car you are driving, you will be covered under your own insurance.

The state may require you to file Financial Responsibility Insurance for the following reasons:

• You are convicted of a traffic violation.
• You are involved in a car accident.

If you are required to file Financial Responsibility Insurance, you must do so for a minimum of 3 years.

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Your car insurance company must file your Financial Responsibility Insurance via an SR-22 certificate.cloud services

Other Car Insurance Issues

Because car insurance can be a sensitive subject, Vermont’s Department of Financial Regulation has programs and systems in place to help consumers like you deal with issues such as car insurance questions, complaints, and even fraud.

Consumer Complaints

You may find yourself in a dispute with your insurance company that you cannot settle.

If you need to file an insurance complaint to the DFR, you may do so online at theDFR website.

You can also print out a complaint form and submit it one of the following ways:

• By fax to (802) 828-1446
• By mail to:
  • Department of Financial Regulation
  • Insurance Consumer Services
  • 89 Main Street
  • Montpelier, VT 05620

Car Insurance Fraud

Every year, insurance companies take big losses because of insurance fraud. Those losses often get passed down to you through increases in premiums. You can help by reporting suspected instances of insurance fraud.

Car insurance fraud often involves:

• Staging car accidents.
• Making up or lying about the extent of injuries.
• Falsifying property damage.cloud services

You can report suspected car insurance fraud by calling (800) 964-1784.

Determining Your Car Insurance Premium

There are several factors that go into determining the price of your car insurance in Vermont.

When shopping for car insurance, keep in mind that the following will factor into your quotes:

• Driving record.
• Your car’s:
  • Make.
  • Model.
  • Year.
• Credit history.
• Insurance history.
• The location where you primarily park your car.
• Deductibles:
  • This is the amount you are responsible for towards a claim.
  • You can lower your rates by assuming higher deductibles.

Discounts

One great way to save on car insurance is by taking advantage of discounts.

When comparing car insurance quotes, don’t forget to ask about these common discounts:

• Good driver.
• Good student.
• Multi-car.
• Homeowner’s.
• Anti-theft.

Remember that while discounts can save you money, your best bet for obtaining cheap car insurance in Vermont is to maintain a good driving record.

Most Stolen Cars in Vermont

Owning a car targeted for theft can increase your car insurance rates.

The following are Vermont's most stolen cars in 2013, according to www.nicb.org:

1. Subaru Legacy.
2. Ford Pickup.
3. Honda Civic.
4. Chevrolet Pickup (Full Size).
5. GMC Pickup (Full Size).
6. Jeep Cherokee/Grand Cherokee.
7. Toyota Camry.
8. Toyota Corolla.
9. Honda Accord.
10. Subaru Forrester. 

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Car Insurance in Georgia

Georgia Car Insurance

Georgia is a rare state that requires you to have car insurance, but does not require that you show your insurance card as your proof of insurance.

Learn more about Georgia’s auto insurance requirements, options for additional coverage, programs, rates, and discounts.

Policy Requirements

In Georgia, you are required to have liability insurance to help pay for injuries or damages you might cause to someone else as a result of a car accident. You’ll need to have proof of this insurance in order to register your car in GA.

Your Georgia car insurance policy must have the following minimum coverage amounts:

• Bodily injury liability:
  • $25,000 per person.
  • $50,000 for multiple people in an accident.
• Property damage liability:
  • $25,000 for one incident.

Optional Car Insurance

Most companies that offer insurance in Georgia also offer additional coverage. When comparing car insurance quotes, ask about the following optional types of insurance:

• Collision – This coverage will pay for damages to your car due to traffic accidents.
• Comprehensive – This coverage will pay for non collision-related damages to your vehicle, such as damages incurred due to vandalism.
• Medical and funeral services.
• Uninsured drivers.
• Rental car.

NOTE: While Georgia law does not require you to purchase collision and comprehensive insurance, your finance company or bank will require you to have these coverage types if you are paying a loan or lease on your car.

Georgia Proof of Insurance

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In Georgia, a car insurance ID card cannot be accepted as your proof of insurance. Instead, all government agencies, including law enforcement officers performing a traffic stop, can check the Georgia Electronic Insurance Compliance System (GEICS) to electronically verify that you have valid car insurance.

It is your car insurance carrier’s responsibility to report your car insurance status to the GEICS database.

Make sure that you check your card to make sure all your information is correct. If the information is not correct on your card, it is probably incorrect with the GEICS.This can lead to problems verifying your insurance.

If you notice wrong information, contact your car insurance carrier to make sure any misinformation is fixed.

Also remember that your car insurance card still needs to be carried in case of an accident so you can exchange information with the other driver(s).

Driving Without Car Insurance

Through GEICS and the Georgia Registration and Title Information System (GRATIS), the Georgia Department of Driver Services (DDS) will be informed of any change in your car insurance status.

If your car insurance is canceled and you do not replace it, the DDS will send you anotice to comply with Georgia’s car insurance laws, and the possible penalties you will face if you don’t. Such penalties include fines and driver’s license suspensions.

You will not be able to register your car or renew your car’s registration in Georgia if GEICS shows that you do not currently hold an auto insurance policy.

Driver’s License Suspensions

If your GA driver’s license is suspended because you didn’t have car insurance, you can get your license reinstated after your first offense by:

• Waiting until your driver’s license has been suspended for a minimum of 60 days.
• Purchasing at least the minimum auto insurance coverage required in GA.
• Paying a reinstatement fee of:
  • $200 by mail to:
    
    Department of Driver Services (DDS)
    Validation Unit
    P.O. Box 80447
    Conyers, GA 30013
  • $210 in person at your local DDS office.

To have your driver’s license reinstated after your second offense of not holding the required insurance, you must:

• Wait for your driver’s license to be suspended for at least 90 days.
• Purchase car insurance and have your car insurance carrier file a Georgia Safety Responsibility Insurance Certificate (SR-22A).
• Pay a reinstatement fee of:
  • $300 by mail (use the address above).
  • $310 in person at your local DDS office.

As of September 2013, you cannot pay your driver’s license reinstatement fees online if your driver’s license was suspended because you didn’t have car insurance.

Car Insurance Rates in Georgia

Car insurance rates vary by individual.

Georgia car insurance companies will factor in the following to determine your car insurance rates:

• Your driving record.
• Your car insurance claim history.
• The make and model of your car.
• Your age.
• Your gender.
• Your marital status.
• Your credit history.

The simplest way to keep your car insurance rates low is by driving safely and obeying all traffic laws.

Car Insurance Discounts

While Georgia does not have any state-mandated car insurance discounts, most insurance companies offer the following discount types:

• Good driver discount.
• Good student discount.
• Multiple-car discount.

You may also qualify for a discount on your car insurance premium if you complete a DDS-approved defensive driver course. Contact your insurance carrier to find out if they offer this discount and to get more details on eligibility.

Car Insurance Fraud in Georgia

Insurance fraud is very costly to insurance companies, and those costs trickle down to you, raising your policy rates.

Car insurance fraud could involve:

• Faking an injury after getting into an accident.
• Staging car accidents.
• Giving false personal information to your insurance carrier.
• Overcharging for treatment, if you’re a medical professional.

If you know of or suspect insurance fraud, you can report it by calling the Consumer Services Division of Georgia’s Office of Commissioner of Insurance at:

• (404) 656-2070.
  OR
• (800) 656-2298 (toll-free).

By reporting suspected fraud, you can actually save money by helping insurance companies maintain low-cost premiums.

Most Stolen Cars in Georgia

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You are likely to pay higher car insurance rates if you own a car that is known to be a target for theft.

The following is a list of the most stolen cars in Georgia for 2013, according to www.nicb.org:

1. Honda Accord.
2. Chevrolet Pickup (Full Size).
3. Ford Pickup (Fill Size).
4. Dodge Caravan.
5. Honda Civic.
6. Jeep Cherokee/Grand Cherokee.
7. Chevrolet Impala.
8. Dodge Pickup (Full Size).
9. Toyota Camry.
10. Ford Explorer. 

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Car Insurance in Oregon

Oregon Car Insurance

In Oregon, you are legally required to carry several types of car insurance coverage: liability, personal injury protection, and uninsured motorist coverage.

You cannot register your car without carrying the required insurance, and if you’re caught driving without current insurance coverage, you’ll face harsh consequences.

Car Insurance Requirements

Oregon requires all drivers to hold ALL of the following types of insurance:

• Bodily injury liability.
• Property damage liability.
• Personal injury protection.
• Uninsured motorist.

New Residents

If you’re new to Oregon, you have 30 days from the time you become a resident to title and register your vehicle. You must have proof of Oregon car insurance to do so.

Liability Insurance

Liability insurance helps cover costs incurred by injuries to another person or by property damage in an accident that you cause.

In Oregon, you’ll need to have at least the following minimums of liability insurance:

• $25,000 for bodily injury, per person.
• $50,000 for total bodily injury to others, per accident.
• $20,000 for property damage, per accident.

Personal Injury Protection

Your car insurance policy must include personal injury protection (PIP) coverage. PIP helps pay for medical expenses incurred up to 1 year after an accident.

Your policy must include a minimum $15,000 of PIP coverage per person.

Uninsured Motorist Coverage

Uninsured motorist coverage protects you in the event that you are involved in a crash with a driver who does not have current auto insurance or whose insurance is too low to adequately cover your costs.

The minimum requirements for uninsured motorist coverage are equal to that of the liability insurance minimums:

• $25,000 per person.
• $50,000 per crash.

Optional Insurance Coverage

You might find that if you get into an accident, the mandatory insurance coverage types aren’t enough to adequately cover your costs.

When you speak with your Oregon car insurance agent about designing your policy, make sure to ask about the following optional additions:

• Comprehensive – Helps cover non-collision-related expenses, such as those related to theft, fire damage, or vandalism.
• Collision – Pays costs incurred by damage to your vehicle in an accident with another car or an object.
• Guaranteed Auto Protection (GAP) – Helps make up the difference between the actual cash value of your vehicle and the amount you may owe.
• Rental reimbursement – Helps you pay for transportation when your car is being repaired after an accident.
• Uninsured motorist property damage – Covers costs of damage to your property from an uninsured or underinsured driver.

Assigned Risk Pools

If you have a less-than-stellar driving record, or you’ve been in multiple accidents, insurance companies might deem you a “high-risk” driver.

If you are unable to find insurance through the standard market, you can ask any insurance agent for help getting a policy through the Western Association of Automobile Insurance Plans (WAAIP).

It is important to remember that car insurance policies obtained through the WAAIP will typically be much more expensive, so it’s best to shop around as much as possible for car insurance quotes before you turn to this assigned risk pool.

For questions, call (800) 227-4659.

Proof of Insurance

As a driver in Oregon, you must be able to show proof that you have met the basic minimum car insurance requirements. You will need to show this proof during certain vehicle-related transactions, such as registering your vehicle.

Valid proof of car insurance includes:

• A current insurance card.
• A current liability insurance binder or policy.
• A signed letter from an insurance agent or company official (on company letterhead).
• A DMV certificate of self-insurance that names the vehicle owner.

DMV Insurance Verification

The Oregon DMV will verify the insurance status of drivers in the state every month by requesting that a random selection of drivers provide:

• The name of their insurance company.
• Their policy number.

The DMV takes and verifies this information with the insurance company identified by the driver.

If the DMV selects you to provide this information and you don’t respond, your license will be suspended.

If you respond with false information, you’ll be required to hold an SR-22 for 3 years (see “OR Insurance Violations” below).

OR Insurance Violations

Driving without insurance in Oregon can be costly. If you’re found to be operating a vehicle without the required minimum car insurance, you face the following penalties:

• Fines.
• Driver’s license suspension.
• Towing of your vehicle.
  • You’ll be responsible for any towing fines/storage fees.

If you are involved in an accident while uninsured, you’ll face license suspension for 1 year. Once you’ve reinstated your license, you’ll be required to file an SR-22 for 3 years (see below).

SR-22 Proof of Responsibility

If you’ve been driving without insurance and you’re found to be guilty of doing so by a judge, you can be ordered to file an SR-22 with the DMV for 3 years.

An SR-22 acts as proof of financial responsibility, meaning a guarantee that you’ll hold at least the minimum required car insurance for a full 3 years.

If you do not file an SR-22 when ordered, your license will be suspended.

Car Insurance Policy Cancellation

Oregon car insurance companies have the right to cancel a driver’s policy if they deem that driver poses too high of a risk. Policies are often cancelled for the following reasons:

• Frequent claims.
• Poor driving record.
• Bad credit history.
• Nonpayment of premium.

If your Oregon insurance policy gets cancelled because you haven’t paid your premium, your insurance company is only required to give you 10 days advance notice.

However, if your policy is cancelled for any other reason, the insurance provider must give you notice at least 30 days before the cancellation date. The notice of cancellation must explain the reason for your policy’s cancellation.

Concerns About Your Policy

If you have any questions about your car insurance policy or issues that you need help handling, you can file a complaint form through the Oregon Insurance Division:

• Online:
  • English online form.
  • Spanish online form.
• By mail or fax. Download and complete one of the following forms and mail or fax it to the address on the form:
  • Consumer Complaint (English) (Form 440-3600).
  • Consumer Complaint (Spanish) (Form 440-3600-s).

It is important to note that the Oregon Insurance Divisioncannot act as an attorney. They can, however, help determine whether your insurance company is following the law when doing business with you.

Determination of Your Car Insurance Rates

Many factors go into the calculation of your auto insurance rates. These include, but are not limited to:

• Your:
  • Age.
  • Sex.
  • Marital status.
  • Address.
• Your driving record.
• How many drivers will be on your policy.
• Your credit score.
• Your work history.
• 
  

Note that each insurance company weighs certain factors differently, so you’ll likely get a different rate estimate from each one. For this reason, it’s best to thoroughly shop around and compare car insurance quotes before settling on a provider.

Also remember, the very best way to get low-cost insurance in Oregon is to maintain a good driving record by following traffic laws and driving safely.

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Most Stolen Cars Oregon

Owning a car that is heavily targeted for theft could mean higher car insurance rates.

The following is a list of Oregon's most stolen cars in 2013, according to www.nicb.org:

1. Honda Accord.
2. Honda Civic.
3. Toyota Camry.
4. Ford Pickup (Full Size).
5. Chevrolet Pickup (Full Size).
6. Subaru Legacy.
7. Acura Integra.
8. Toyota Corolla.
9. Jeep Cherokee/Grand Cherokee.
10. Dodge Pickup (Full Size).

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