Best Local Car Insurance Agencies in Hialeah

Frequently Asked Questions

• Introduction

  A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.
  

• Can the automatic renewal of a car insurance policy in Hialeah lead to increased premiums?

  The rate increase is unrelated to the automatic renewal of a car insurance policy. However, because the policy is automatically renewed, the policyholder may be unaware of it, which is why it is critical to review the renewal notice before it takes effect. If the policyholder in Hialeah does not agree with the increase, they can switch to another company.

• How can a CLUE (Comprehensive Loss Underwriting Exchange) report help a policyholder in Hialeah?

  Policyholders in Hialeah can check the Comprehensive Loss Underwriting Exchange report to see if there is any incorrect information that is causing them to pay higher insurance premiums. More information about car insurance claims filed by the policyholder within the last seven years is usually included in the report. According to the Fair Credit Reporting Act, consumers are entitled to one free credit report per year. They can obtain a copy by contacting LexisNexis at 866-312-8076 or going to the LexisNexis website.

• Are you required to have personal injury protection (PIP) insurance in Hialeah?

  In Hialeah, personal injury protection (PIP) insurance is required. It can pay up to 80% of your medical bills and lost wages, regardless of whether you were at fault in the accident. However, it is important to note that if your injuries are not deemed an emergency, you will only receive $2,500 in benefits. Hospitalization, ambulance rides, and prescriptions are among the medical expenses covered by PIP.

• When should you get car insurance if you just moved to Hialeah?

  You must have state-compliant car insurance within 10 days of relocating to Hialeah. As a result, you must obtain your state-issued driver's license and vehicle registration within 30 days. To register, go to the nearest FLHSMV location at 20 W. 49th St., Hialeah, FL 33012, or call the local office at 305-822-4752.

• Will your vehicle be declared a total loss if it is damaged by flood in Hialeah?

  Yes, in most cases. Water damage repair is expensive and time-consuming, which is why insurers usually declare a flood-damaged vehicle a total loss. When this occurs, insurance companies are obligated to notify the Florida Department of Highway Safety and Motor Vehicles. The FLDHSMV will mark the Hialeah vehicle's title as a flood vehicle or total loss.

• What is car insurance?

  Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.