http://www.cheap-auto-insurance-today.com/ As in every other state, the secret to getting the biggest bang for your insurance buck in the State of Florida depends upon your willingness to do your homework and to shop around for the best buy. There are literally hundreds of websites which specialize in helping you get cheap auto insurance in Florida. If you’ve just moved to the Sunshine State and are buying cheap auto insurance in Florida for the first time, know that Florida Coverage may seem a little different that what you’ve had living elsewhere. In order to get cheap auto insurance in Florida – one must first learn the system. Cheap auto insurance in Florida works this way. First of all, Florida has a no-fault insurance system. Florida’s is different than other no-fault states in that it is through the no-fault clause that medical bills are handled regardless of who is found to have caused the accident. In Florida you must carry a minimum of $10,000 for personal injury protection and $10,000 for property damage liability. • PIP Insurance (Personal Injury Protection) covers the medical costs of you, members of your household and passengers in your vehicle in an accident. Additionally, PIP insurance also covers you if you are injured by a car while you are walking or cycling. Florida requires a minimum of $10,000 coverage for PIP. • PDL Insurance (Property Damage Liability) pays for damages to the property of others which is damaged by you or member of your household in an accident. • BIL Insurance (BIL or Bodily Injury Liability) This pays for personal injury up to the limit of the policy in accidents where you or a member of your family is at fault. This coverage applies when you or member of your household is driving a vehicle not belonging to you and will even cover you in some cases even if the person driving your vehicle does so without permission.
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