Before hitting the road, you need Florida auto insurance. Most, if not all, drivers can’t actually drive without having some type of auto policy covering themselves and their vehicle. Anything can happen on the road—and, if you don’t have coverage at the moment of that something happening, that could cause you more trouble than you expect.
So, if you’re looking to shop for Florida car insurance anytime soon, you need to keep this in mind—shop for car insurance coverage that best fits your insurance needs and the needs of the vehicle that you drive.
Before shopping for auto insurance, think about what type of coverage you need. There are many different types of coverage options, and you’re not going to need all of them at once for you and/or your vehicle. To start, every state covers vehicles and drivers against liabilities. Other additional options generally include comprehensive and collision coverage.
The hows and whys
With road travel abundance throughout the state of Florida, it’s only natural that there are several auto insurance options within the state. Though, before even settling for any auto insurance plan within the state of Florida, it’s important for people like yourself to understand the ‘hows and whys’ of auto insurance.
Like many other states, Florida requires all drivers to have some form of car insurance policy. Auto insurance policies, in general, are designed to protect the driver and their vehicle, and as mentioned, keep yourself and your vehicle well protected against liabilities in an accident or other troublesome situation.
If you get into an accident – like if you swerve and end up hitting another car in traffic – you can immediately file a claim under your active auto insurance policy. From there, you can have whatever insurance coverages and policy ‘add-ons’ become eligible for your situation.
So, if you need to cover your medical expenses, particularly if you ended up getting injured, or if the other party got injured, what’s known as bodily injury liability coverage helps keep all of the medical expenses covered.
If you’re found at-fault for the accident, you’ll most likely be liable for any third party medical expenses for the accident. Here, your insurance provider will provide coverage for your liabilities, covering up to the allotted per-incident limit in accordance to the active policy. Most states, in fact, require this type of insurance for standard auto insurance policies.
Your medical payments coverage options, in accordance with your auto policy, would cover any personal injuries of yours. In some cases, this type of medical coverage can be used in place of your regular FL health insurance or actually work in conjunction with your health insurance to cover the medical expenses.
Don’t forget about the property damage, too, especially if you’ve crashed into something like a building or wall. Property damage liability coverage covers property damage, in addition to repairs to cars belonging to the third-party that were damaged in the accident. The coverage is generally extended up to your policy’s limit when you are considered at-fault.
As for your car, collision coverage helps pay for your own damaged car. Many auto insurance policies generally have collision coverage handle things like the cost of repairs, though minus any outstanding deductibles, typically up to the cash value of any vehicle you own that was involved in the accident.
Emergency road service is also a necessary coverage option in many state auto insurance policies, especially in Florida where you may have to deal with drivers of all ages, which can make the road a lot more volatile than expected. Emergency road service is typically an optional coverage option, though it’s mainly necessary in the case of needing to get your car back to a repair shop following an accident.
Many auto policies will also provide coverage for replacement transportation, if you need a way to travel after the accident, in addition to coverage for completely replacing the car itself.
Residents of Florida are required to get auto coverage, regardless of the type of automotive vehicle they have. So, if you’re planning to move to the state – or are getting ready to drive in the state – always make sure you have some type of coverage before hitting the road.
That notion is pretty much required by law, in fact. According to the state law, people who own motor vehicles with four or more wheels must carry at least $10,000 of personal injury protection, in addition to a minimum of $10,000 of property damage liability coverage.
What this means is simple enough to understand. You, as a Florida driver, need to cover yourself in the case of a sudden accident. After all, you could be just minding your business, until someone or something impedes your driving—and causes an accident.
Both options will help cover damages and liabilities in the case of you getting injured, your car getting damaged and any liabilities incurred during the accident itself. This can include any third-party people and vehicles who are involved in the accident.
In Florida, personal injury protection can cover you ‘regardless of you being at-fault of an accident,’ generally providing coverage up to $10,000 minus your deductible amount. So, this option can cover you, your relatives who live with you, passengers who don’t own a vehicle and other who drive your car with your expressed permission.
This policy option also covers pedestrians and cyclists if they are also Florida residents. Florida personal injury protection insurance is also one of many options that provide residents of Florida with the personal coverage they need while out on the road.
The nature of driving throughout the Sunshine State is a long and exhilarating road, but it’s not fun to drive throughout Florida if you don’t have the legal protection to make any road trip less stressful. There are plenty of options out there for Floridians just like you—you just have to look.