<p>Any Florida residents on CC. Can you explain Florida car insurance. D is going to buy a car and is living in Florida. It appears Florida car insurance laws are not at all like California.
It appears to me the minimum required by Florida law would not be enough protection. I am confused by the No Fault policy.
questions- In Ca if I am in an accident and it is my fault my insurance company pays for the other person’s car to be repaired and any medical costs. In Florida would each person’s insurance pay their costs? Also $10,000 seems low to cover medical expenses if it was a serious accident.
In Ca if I have collision insurance my company would also pay my costs of repairs if it was my fault.
Uninsured motorist coverage in Ca pays my cost if the person who hits me does not have insurance.</p>
<p>I am just a consumer, no insurance expert. No fault seems to mean that your insurance pays no matter who is at fault. In an accident even if it is not your fault, you can call your insurance and they take care of it and go after the other person’s insurance to recover. YOU have to pay your deductible, but when they recover monies from the at fault person, you get a check for it back. If you WANT to deal with the at fault person’s insurance company and not pay the deductible, you can. But they are not exactly your advocate. We we have been in an accident caused by someone else, we just call State Farm and let them deal with it. We get our care fixed, the rental car paid for etc and any problems, we just call our agent or claims rep. We pay the deductible and wait to get it back. OUR company seems to be sure that we are taken care of, then then recover the costs from the other person’s company.</p>
<p>We get way more coverage than the minimums for the state. The minimum is just that-a bare minimum. I do not know the particulars of the uninsured motorist. We have never been uninsured and have never been hit by an uninsured motorist.</p>