Auto Insurance

Why Do You Need Auto Insurance?

To protect yourself against economic disaster should you cause an accident that results in property damage or injuries to other people. Auto Insurance will help cover repairs to your vehicle and cover related medical costs.

What Does Auto Insurance Cover?

  • Bodily Injury & Property Damage Liability Coverage-Pays for bodily injury or death resulting from an accident for which you are at fault. You are also provided protection if your car damages another person’s property. You are also provided with a legal defense.
  • Medical Payments- Medical payments pays expenses incurred for necessary medical and funeral services to persons injured by an accident. Payments are without regard to fault.
  • Uninsured Motorist Coverage- Pays for your bodily injury by an uninsured driver and protects you from another driver who carries liability limits that are lower than your damages.
  • Collision Coverage- Pays for damage to your car when it hits or is hit by another object or vehicle.
  • Comprehensive Coverage- Coverage for other than collision. Pays for damage to your car from theft, vandalism, flood, fire, glass.
  • Personal Injury Protection (PIP) – PIP benefits are payable for injuries sustained in an accident regardless of fault. PIP benefits are $10,000 per person per accident.

Important Information

  • Florida’s minimum Liability coverage is $10,000 for Personal Injury Protection and $10,000 for Property Damage.
  • Upon moving to Florida a driver has 30 days to get a new registration on the vehicle.

Florida law requires that owners or operators of vehicles are to provide evidence that they have funds to pay for automobile losses for which they might become liable. Auto Insurance is the usual method for providing this evidence.