What happens following an automobile accident should be relatively simple. You exchange information and you’re on your way. Right? If only it were that easy.
Where FL auto insurance coverage is concerned, most people think they have a pretty good understanding. However, it can get extremely complicated very quickly when filing a claim, due in part to liability issues, various kinds of coverage, and more.
Florida residents – and residents of every state – in the event of a crash, should be well educated regarding insurance coverage. So, we’re going to include various selections you may want to consider when it’s time to purchase auto insurance. Following a car accident, different insurance options can play precise roles in your recovery.
Florida’s Auto Insurance Laws
Florida has officially stated their minimum requirements for auto insurance. They are as follows:
- PDL (property damage liability) in the amount of $10,000
- PIP (personal injury protection) in the amount of $10,000
Again, those are the absolute minimums. It is always advisable that drivers insure themselves, their cars, their passengers, etc. adequately through other policies or, at the very least, with higher amounts.
Other Types of Insurance Coverages/Policies
Your options of insurance coverages and policies go well beyond what Florida requires. Here are some additional choices which you may want to check out:
- Comprehensive coverage
- Collision coverage
- UIM or UM left from the same underinsured or uninsured motorist coverage
- Med Pay (medical payments coverage)
What’s the Big Deal About Car Insurance?
Aside from the fact that minimal insurance requirements are the law in almost every state, it’s important to have car insurance for other reasons. While you can’t do much to control the actions of others or eliminate accident risks, there are a few things you can do to lessen your chances of being involved in a crash. Even the most careful drivers, however, have accidents.
Whether you’re partially at fault or completely at fault, to reimburse other parties for medical bills, damages, and more, you might not have cash readily available. Insurance covers you. With the right kind of insurance, you can even protect yourself financially if your car receives damage due to theft, fire, or falling objects. For any car owner or driver, it is of the utmost importance to have adequate car insurance. Don’t stop at just the basics.
Looking for Florida Auto Insurance?
Whether you’re looking for renter’s insurance, RV, boat, umbrella insurance, condo insurance, motorcycle, home, or auto insurance, we’ve got you covered.
At K&N Brokerage, we take the time to get to know you and learn about your needs. Our friendly insurance brokers can introduce you to the best way to protect your loved ones, and yourself, while traveling down the road.
So you can enjoy significant savings, we’ll search for the best deals on affordable insurance coverage. You’ll be able to compare all the prices in one place.
If you’d like to join the thousands who have already shopped and customized their insurance through our helpful customer service representatives, contact us today.
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