My vehicle is registered in the state of Florida. I was just wondering if my Florida auto insurance company will cover if I drive out of state? I have a prior DUI conviction, which I know will really hurt my rates.

Brian

Miami FL

Yes, normally your car insurance policy will cover you and your car when you drive out of state within the US or some areas in Canada.

However, you must be driving in your own car. In case of an accident in Florida your Personal Injury Protection coverage covers you even if you are in another person’s vehicle and as well as other household members.

Florida car insurance policies vary but most will extend you coverages out of state with a broadening clause.

If you want to know for sure if your Florida auto insurance company will cover you when you drive out of state, I suggest that you contact your car insurance company regarding your specific car insurance policy. If you get involved in an accident out of state and would like to determine how your policy will accept the claims discuss this with your car insurance agent since they know your specific policy terms and conditions as well as your insurers claims process.

I know that nonrenewal and cancellation of car insurance could be different from one another. What are the reasons why my car insurance here in Miami, Florida could be canceled or not be renewed? Can you guys give me a cheap car insurance rate?

Margo

Miami, Fl

Nonrenewal and cancellation are two means of putting a stop on car insurance coverage by a car insurance provider. Nonrenewal indicates that your present car insurance company in Florida chooses not to renew the policy at the scheduled renewal period. Cancellation means ending your Miami car insurance for a valid reason given by the insurance company.

Most of the time, your Miami car insurance could not be renewed if you have too many claims at the time you have coverage from a car insurance company. Other reasons include a conviction for driving under the influence (DUI), numerous at-fault accidents and lots of traffic tickets for the last three to five years. If your insurer decides not to renew your Miami car insurance, they would send a notice of nonrenewal, generally 30 days before the contract ends, with the reason why they decide not to renew your policy.

Your Miami car insurance could be canceled if you don’t pay your premium when it’s already due. Other reasons for the cancellation of your Miami car insurance include misrepresentation of your driver risk level, having a suspended or revoked driver’s license due to DUI and having an expired driver’s license. A number of car insurance providers could cancel your policy any time but they would have to give you due notification required by law.