Reader’s Question:
I am a newly-wed and I just bought my new car for my family’s personal use here in Jacksonville, Florida but we are not residents of Florida. Do I still need to insure my car, and if yes, what will be the coverage of my automobile insurance?
Beck
Jacksonville, FL
Like you, there are many temporary residents in Florida that usually visit the state during the winter season. However, I suggest that you still get your car insured because in Jacksonville or anywhere in Florida there is a state-imposed minimum requirement for Florida automobile insurance. Hence, if you are driving in Florida without automobile insurance you can be reprimanded and the consequences are grave. You may lose your car’s license plate and registration for three years. You are also forbidden to drive any car for any reasons within the time your license is suspended.
The required coverage of your automobile insurance policy are, to wit: 1) personal injury protection, which covers you and your passenger’s bodily injuries caused by roadway accidents; 2) property damage liability, which covers any physical damages to the other party’s property; and 3) bodily injury liability, which covers other party’s death or bodily injury and also shells out for your legal processes fees.
You may have all those coverage for your policy and when you leave Florida, you may suspend your coverage after two months so that you may not be obliged to pay your policy premium for the whole year. This, however, requires you to give back your car registration.
Filed under: DUI lawyer Jacksonville Florida, DWI attorney Florida
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