Auto Insurance Risks - Case Study - Florida

Cheap auto insurance in Florida protects drivers from serious penalties, fines, and in some cases jail
time. The Florida Department of Highway Safety and Motor Vehicles requires all drivers to carry an auto coverage policy. It is against the law to operate a vehicle without having the minimum insurance deemed by law. Unfortunately, drivers take the risk of driving without auto insurance because they do not feel they can afford coverage due to their financial situation or driving record. Related Articles Florida Auto Insurance - Policy Differences For Good Vs. Bad Drivers Florida Auto Insurance Rating Factors To Review Florida Auto Insurance Laws: Gap insurance and emergency roadside service Auto Insurance really worth it !! Good drivers, high-risk drivers, and drivers with DUI convictions all greatly benefit from buying affordable car insurance. The Florida Department of Highway Safety and Motor Vehicles current minimum set amounts are $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL) for motor vehicles with a valid Florida license plate. Driving without auto insurance has many personal and financial risks. It is not a matter of if, but when you will be pulled over by a police officer, and has to provide valid proof of insurance. When you cannot provide it you will be ticketed, fined, possibly have your driving privileges suspended, and in some cases, the vehicle will be impounded. These bad consequences of driving uninsured cost much more than purchasing cheap auto insurance in Florida that will save you money. To receive a fast and accurate quote on car insurance in Florida you can visit insurers and agents online that specialize in automobile coverage. The process is streamlined to make it easy for online users to get a quote quickly. It starts by filling out an online form with general information about yourself, driving record, and the vehicle(s) you wish to cover. You receive back a detailed quote on different policy options that will best fit your budget and coverage needs. This gives you as the consumer the financial flexibility to shop around to find the best deal on car insurance possible. Being able to price compare gives you an advantage when deciding on what insurer to buy from.
There are going to be different factors that decide your monthly premium cost that will include driving record and type of vehicle. Regardless, shopping online for insurance will result in you getting the best price available based on your personal situation. Companies are providing a wide selection of policy options for every type of driver. High-risk drivers have the most to gain because this provides an affordable way to get the coverage they need to avoid future legal problems. Purchasing cheap auto insurance in Florida online is fast, reliable, and secure. Delaying getting a policy and driving uninsured is an invite to expensive legal problems. Tickets, fines, driving suspensions, and impounds cost a lot of money and time. These are very avoidable risks when you have a valid proof of insurance. It is never a good idea to avoid getting automobile coverage because of past marks on your driving record. Insurance companies are experts at working to find the best policy for you. Driving without insurance is too high of a risk for any type of driver to take. Without it you are exposed to many personal financial risks.
The National Insurance Crime Bureau Announces Free VINCheck for Unrecovered Stolen Vehicles For the second time in as many years, the National Insurance Crime Bureau (NICB) is launching another free service to help protect the nation?s consumers. Over one million vehicles have been stolen annually in the United States since 1986. With an annual average recovery rate of just 63 percent, several million vehicles remain unaccounted for and could possibly end up being purchased by unsuspecting consumers. To help prevent innocent people from buying a stolen vehicle and to help recover stolen vehicles that may enter the commerce stream in the future, NICB today is activating the nation?s first Unrecovered Stolen Vehicle Database as a free service to the public. Anyone anywhere can now run a Vehicle Identification Number (VIN) through this database and determine if it has been reported stolen by one of NICB?s over 1000 member insurance companies. To check a vehicle simply visit the NICB web site, and follow the on-screen directions for the VINCheck search feature which is located on the home page. In recent months, NICB Special Agents have identified numerous stolen vehicles that were in the process of being sold by auto dealers or restored by collectors. These examples demonstrate how even car-savvy people can be duped into unknowingly buying a stolen vehicle. If it happens to experts then the risks are even greater for ordinary consumers. Seeing a way to help mitigate that risk and to provide another free service to help protect the nations drivers, NICB sought and received the cooperation of its member companies to make this feature possible. It was in this same spirit of cooperation and assistance that NICB?s member companies provided their Hurricane Katrina-related auto claims information to create the flood vehicle database. This unprecedented effort was launched on October 17, 2005, and amassed over 300,000 vehicle and boat records which gave prospective buyers critical information to prevent the fraudulent sale of potentially flood-damaged vehicles. The National Insurance Crime Bureau is the nation?s leading non-profit organization exclusively dedicated to preventing, detecting and defeating insurance fraud and vehicle theft through information analysis, investigations, training and public awareness. Anyone with information concerning auto theft and insurance fraud can report it anonymously by calling toll-free 1-800-TEL-NICB (1-800-835-6422).