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 […]

What You Need To Know About Florida Auto Insurance That May Be Different Than Other States

If you have relocated to Florida from another state as most retirees tend to do, or if you have come to the fine State of Florida for other reasons like school or work, there are some things you need to know about Florida auto ins. that may be different that what you are used to.  In other states like New Hampshire, there are certain guidelines that do not always make it necessary to have certain types of coverage at all, but not so in Florida. We put together some things you need to know to make sure you understand what is required so you are not out of compliance with regulations.

What Is Required for Personal Injury Protection

Aside from the usual collision coverage that protects you if you impact someone else’s car and cause damage, there is also personal injury protection that needs to be considered so that if you or someone in the accident is injured, that you are protected from loss and you are not sued for damages.  The State of FL regulations have their own requirements for minimum coverage that you need to be aware of.

The absolute minimum coverage that you as the automobile owner can have is $10,000 per person who is injured.  In some cases, depending on what kind of coverage you buy, you can have personal injury protection deductibles of over $2,000 so be sure you understand what needs to be covered and what kinds of policies you can obtain that will minimize your out-of-pocket expenses.  Less coverage purchased may mean a lot more money out of your wallet in the event of claim.  If you injure a pedestrian or a bicyclist, those types of accidents are covered under your personal injury coverage, you are also covered if someone commits a crime of bodily injury to you in […]