Do You Need Insurance With A Learner s Permit In Florida
Do You Need Insurance With A Learner's Permit In Florida?
What is a Learner's Permit in Florida?
In Florida, a learner's permit is a type of driver's license that allows an individual to practice driving under certain conditions. It is issued by the Florida Department of Highway Safety and Motor Vehicles (DHSMV). The permit is available to individuals who are at least fifteen years old and have passed a written knowledge test about traffic laws and safe driving practices. With a learner's permit, the individual may practice driving with a supervising driver in the car who is at least 21 years old and has a valid driver's license.
Do You Need Insurance with a Learner's Permit in Florida?
The answer is yes. Florida law requires that all drivers carry at least the minimum liability insurance coverage. Therefore, if you have a learner's permit in Florida, you must have some form of liability insurance. This type of insurance covers any damage that you may cause to another vehicle or property while driving. Liability insurance does not cover any damage to your own vehicle or any medical expenses that you may incur as a result of an accident.
What Kind of Insurance Do You Need?
The type of insurance you need depends on the type of vehicle you will be driving. If you will be driving your parent or guardian's vehicle, then you will need to be listed as an additional driver on their auto insurance policy. If you are driving a vehicle that you own, then you will need to purchase an auto insurance policy in your name. Regardless of the type of vehicle you are driving, you must have at least the minimum liability coverage required by Florida law.
What is the Minimum Liability Coverage?
In Florida, the minimum liability coverage required by law is $10,000 for property damage and $10,000 for bodily injury per person, up to a total of $20,000 per accident. This means that if you cause an accident, your insurance will cover up to $20,000 in damages, but this is a maximum limit. In some cases, the damages may exceed this limit, and you may be held personally liable for the difference. Therefore, it is important to make sure that your insurance coverage is adequate.
Other Types of Insurance Coverage
In addition to the liability coverage required by law, you may want to purchase additional types of coverage. For example, if you are driving an older vehicle, you may want to purchase collision and comprehensive coverage, which covers damage to your vehicle in an accident. You may also want to purchase uninsured/underinsured motorist coverage, which covers any medical expenses that you or your passengers may incur if you are involved in an accident with an uninsured driver. Finally, you may want to purchase personal injury protection (PIP) coverage, which covers medical expenses for you and your passengers, regardless of who is at fault in the accident.
Conclusion
If you have a learner's permit in Florida, you must have at least the minimum liability insurance coverage required by law. You may also want to purchase additional types of coverage to protect yourself and your vehicle. Be sure to compare rates and coverage options from different insurance companies to make sure you are getting the best deal possible.
