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Attorney Jonathan Perazzo
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How long does it take to get car insurance in Florida?

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How long it typically takes

Most insurers in Florida can issue a policy within minutes to a few hours once you provide your personal info, vehicle details, and payment. You’ll get proof of insurance right away, which is what you need to drive legally.

If you’ve been injured in a crash or are wrestling with insurance complications, a car accident lawyer in Miami can help protect your rights, negotiate with insurers, and pursue the compensation you deserve. Florida’s insurance system can feel like a stormy sea, but with the right legal team at your side, you don’t have to navigate it alone.

If you’re buying a car…

Here’s where timing matters:
You already have an active Florida auto policy

  • Many insurers give you a 7–30 day grace period to add a newly purchased car to your existing policy.
  • This applies mostly when you’re replacing a car already on your policy.
    You do NOT have an active policy
  • You must have proof of PIP and PDL coverage before you can legally drive or register the car.
  • Dealers often help you get insured on the spot, and insurers can issue proof immediately.

What Types of Car Insurance Can Florida Drivers Choose From?

Florida motorists face a menu of insurance options, but two coverages are non‑negotiable:
Mandatory Coverage

  • Personal Injury Protection (PIP): Covers 80% of necessary medical expenses up to $10,000, no matter who caused the crash.
  • Property Damage Liability (PDL): Covers damage you cause to someone else’s property, with a minimum of $10,000.
    Popular Optional Coverages
    Many Florida drivers add extra protection because the state’s roads can feel like a game of bumper cars on a bad day:
  • Bodily Injury Liability (BIL): Required for taxis, strongly recommended for everyone else.
  • Collision Coverage: Often required for financed vehicles.
  • Comprehensive Coverage: Shields you from theft, storms, vandalism, and other curveballs life throws at your car.
  • Uninsured/Underinsured Motorist Coverage: Crucial in a state where many drivers hit the road without proper insurance.
  • Gap Insurance: Ideal for leased or financed vehicles to cover the “gap” between value and loan balance.

Why This Matters After a Crash

Florida’s insurance laws are strict, miss a payment or let your coverage lapse, and you could face license and plate suspension for up to three years. After a collision, especially one involving an uninsured or underinsured driver, understanding your coverage becomes the difference between staying afloat and sinking under unexpected expenses. This is where a car accident lawyer in Miami becomes your lifeline. They can help you navigate PIP rules, challenge denied claims, deal with uninsured drivers, and make sense of Florida’s no‑fault maze.