Please refer to the updated date below to see the last time this answer was updated. As of the updated date listed below, PIP is set to expire on October 1st.
An agreement was reported to have been made by the Legislature and Gov. Charlie Crist to extend PIP until the end of the year and then make changes to stem the fraud in PIP. This agreement caused many news stories to be released,Ð’Â stating that PIP and the no-fault wouldn't expire.
The
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**Update May Affect This Article**PIP may not be required in Florida it the Florida no-fault laws change on October 1, 2007. Florida will become a tort state and no longer be a no-fault state. Please follow this link to learn about the current status of PIP in Florida.
It will depend upon the type of reinstatement fee you are referring to whether it will be due if the no-fault, PIP auto insurance laws in Florida sunset as of October 1, 2007.
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State laws and insurance guidelines vary. Some insurance companies may allow you and the other single adult to share an auto insurance policy if you both reside together as roommates.
If you instead live separately in different residences then it would be unlikely that you could share one car insurance policy.
If you cannot find an insurance company that will allow 2 single adults to be one policy but are roommates then you will likely need to list each other as drivers on your separate policies.
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For the other party's damages that were sustained in the accident that appears to be your fault, you should inform your insurance agent of the accident and damages. in general,Ð’Â the other party shouldÐ’Â call to file the claim.
This third party claim would be put against your property damage liability policy normally and there would not be a deductible due. If you place a claim for your vehicle's damage against your collision coverage then you would have a deductible due.
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In general it depends upon your insurance company's guidelines and the state laws of where you are a resident and the state where you are attending school that dictates where you should have your insurance.
Normally if you are a student attending school out of state you will need to discuss your auto insurance policy with your agent to see if your coverage will extend to you while you are out of state at college. Some insurance companies will
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A "non owner" insurance policy typically includes liability, medical payments, and uninsured motorist. Now, many insurance companies offer this policy to someone who drives occasionally but does not own a vehicle. The keyword is "occasionally."
Since the vehicle is in your household, insurance companies may believe you have more access to drive this vehicle than for an "occasional" use.
As a result, you may not be able to purchase the
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