Reader’s Question: Could I get an auto  insurance policy in one state when I live in another state? Chuck Miami, Florida   States generally require you to buy an insurance policy from a state licensed insurance provider. That means if you live in Florida you must buy car insurance policy with an insurance provider licensed [...]

Reader’s Question: I have a vacation house in FL. I reside most of the time in New York. I want to purchase a vehicle and register and insure it in Florida. I am going to use it when I went on vacation there. Can I do this? Pat Miami, FL   Yes, it should be [...]

Reader’s Question: Do I have to have a drivers license in Florida to obtain auto insurance on my car that is registered in Florida? Helen Clearwater, FL   Florida insurance companies’ guidelines vary however most will permit you to obtain insurance on your Florida registered car without having a Florida license. If you live in [...]

Reader’s Question: Do two auto insurance points increase your auto insurance rates in Florida? Bruce Miami, FL   Yes, it is possible that 2 insurance points could cause your car insurance rates to increase. It really depends upon your insurance company’s rating system and state insurance laws if your rates will go up due to [...]

Reader’s Question: In the state of Florida, is PIP coverage mandatory for a taxi cab? Michael Clearwater, FL   According to the Florida Department of Highway Safety and Motor Vehicles (HSMV), vehicles used as livery services, like taxicabs and limousines, are exempt from the mandatory personal injury protection (PIP) coverage that personal car insurance policies [...]

Reader’s Question: I just moved to Florida. What are the state requirements for car insurance in Florida? Percy Clearwater, FL Aside from Property Damage Liability (PD), Florida requires Personal Injury Protection (PIP) as basic coverage referred to as a PIP/PD with the following coverage: $10,000 limit for PD and $10,000 limit for PIP. PIP helps [...]

Reader’s Question: How do I report about someone that does not have car insurance In Florida? What information do I have to have about them to show to the police or the right agency? Amy Orlando, Florida (FL) The Bureau of Financial Responsibility department in Florida has its own insurance information phone number to call. [...]

Reader’s Question: I have a NY driver’s license and I will be attending college in Miami, Florida, should I keep my vehicle insured with NY or do I need to have it changed to Florida. Do they offer auto insurance for college students? Andrew Miami, FL You can continue to keep your New York policy [...]

Reader’s Question: I am just wondering if points from traffic tickets in other states are reported back in the State of Florida? Ben Hollywood, FL Most states report to Florida traffic infraction convictions to the state of Florida but not directly to your insurance provider. There is the Drivers License Compact (DLC) that Florida and [...]

Reader’s Question: What is the minimum bodily injury liability to carry on auto insurance in Florida? Katie Hialeah, FL Vehicle owners or operators in Florida may be required to carry two types of insurance: According to the FL No Fault law any individual who has a vehicle in Florida for more than 90 days during [...]