Occasional Driver Insurance Miami Florida FL

Reader’s Question:

If I add an occasional driver to my car insurance policy in Miami Florida, how many hours can he drive in a week?

Paul

Miami FL

Insurance carrier’s differ with their definition of an occasional driver. Some insurance companies defines an occasional driver as someone who is under the age of twenty one, not married and operates the vehicle less than twenty five percent of the time.

Generally, an occasional driver should not be operating the vehicle for more than once a week as a rule of the thumb.

For someone to be considered as an occasional driver by an insurance carrier vary from insurer to insurer in Miami Florida so you may ask your car insurance agent to check their requirements regarding this.

Generally some insurance carrier would cover an occasional driver as long as the driver does not live in your household and the automobile is garaged in your residence.

So if you are planning to add an occasional driver in your car insurance policy in Miami Florida, you may contact your car insurance company to know exactly how many hours an occasional driver should drive the car or what the requirements are to be considered as an occasional driver.

Tags: auto insurance, Car Insurance Company

Cheap Student Auto Insurance Miami Florida FL

Reader’s Question:

Hello there! I am licensed in New York and I am planning to attend school in Miami, Florida. I am just wondering if I should insure my vehicle in Florida or in New York?

Miranda

Miami, FL

If you will be staying in Florida temporarily, you may be able to keep your vehicle insured in the state of New York.

According to the Florida Department of Highway Safety and Motor Vehicles if you have a vehicle in the state of Florida for more than ninety days you need to buy personal injury protection and property damage liability coverage. So if you are a college student who will be attending school in Miami Florida, you will need to have these coverages. So I guess it would be cheaper if you just register and insure your car in the state of Florida since the state.

Generally insurance carriers will not allow auto insurance for FL registered car without getting FL drivers license. To get more information on how you can register a vehicle in the state of Florida, you may contact the Florida Department of Highway Safety and Motor Vehicles.

 

Tags: auto insurance, automobile, cheap auto insurance, Student car insurance