Auto Insurance

Protect Your Vehicle with Florida Auto Insurance

I n most states, drivers must obtain auto insurance before operating their vehicles. These policies are put in place to protect you and others in the event of a collision or additional damages. Policyholders of auto insurance have many benefits that accrue to them such as; being compensated for car theft, damages from natural disasters, and even covering damages that you are at fault for. Furthermore, auto insurance is a complicated matter. Many people have an insurance policy but do not exactly understand how they are covered or what they will do if they find themselves in the position of needing to utilize their insurance. Discover the basic types of car insurance and find out how to obtain the coverage you need for your particular situation.

Collision Coverage

This is the basic insurance type that covers your vehicle if you collide, or run into, something. This covers collisions with other cars as well as if you were to run into a wall, barrier or bridge. Even in the event of a collision if the policyholder is at fault, they will be reimbursed for the cost of damage that occurred, minus their deductible. However, if the policyholder is not at fault, the other drivers’ insurance company will be contacted to recover the cost for the policyholder.

Comprehensive Coverage

This covers anything that may happen to your car that is not directly related a collision. This would include things such as theft, fire, hitting a deer or vandalism. Comprehensive insurance may also cover cracked/shattered windshields. Comprehensive insurance is not always mandatory but damages to your vehicle can be unpredictable therefore, it is recommended to take extra precaution and obtain comprehensive insurance to guarantee your coverage.

Liability Coverage

Both bodily injury liability and property damage liability fall under liability coverage. If you cause an accident, bodily injury liability may help pay for injuries inflicted on another person. Consequently, if you damage someone else’s car or property in a collision, property damage liability may help pay for damages. Liability coverage is often mandated by law so you as the driver must make certain you have an adequate amount of coverage.

Florida no-fault

Florida is a no-fault state, meaning that regardless of who was at fault in a collision, both policyholders will make claims towards their auto insurance policies. Be aware that to gain coverage through Florida no-fault, Florida drivers must obtain Personal Injury Protection Insurance (PIP) in their auto insurance policy. Please note that while PIP insurance may cover expenses and lost wages for you and your passengers, there are also restrictions and limitations for medical expenses. With Florida no-fault and your PIP policy, you don’t have to wait around for insurance companies to determine who was at fault. Instead, you can seek medical attention immediately.

Now that you understand a bit more about the different types of auto insurances available, you are probably ready to find the right coverage for you. The best way to do this is to work with an independent agency that will allow you to compare insurance quotes online. By doing this, you can rest assured you are getting the best deal as well as getting the personal attention you need.

  • Collision Coverage

This is the basic insurance type that covers your vehicle if you collide, or run into, something. This covers collisions with other cars as well as if you were to run into a wall, barrier or bridge. Even in the event of a collision if the policyholder is at fault, they will be reimbursed for the cost of damage that occurred, minus their deductible. However, if the policyholder is not at fault, the other drivers’ insurance company will be contacted to recover the cost for the policyholder.

  • Comprehensive Coverage

This covers anything that may happen to your car that is not directly related a collision. This would include things such as theft, fire, hitting a deer or vandalism. Comprehensive insurance may also cover cracked/shattered windshields. Comprehensive insurance is not always mandatory but damages to your vehicle can be unpredictable therefore, it is recommended to take extra precaution and obtain comprehensive insurance to guarantee your coverage.

  • Liability Coverage

This type of coverage covers the damages when you are at fault in an accident and you damage someone else’s car or property. Liability coverage is often mandated by law, you as the driver must make certain you have an adequate amount.

  • Medical Payments

This is also called PIP in some states. Medical payments pay for any injuries to the driver or passengers that occur if an accident occurred while you were driving. Medical payment insurance varies from state to state, so make certain you are covered as expected.

Now that you understand a bit more about the different types of auto insurance available, you are probably ready to find the right coverage for you. The best way to do this is to work with an independent agency that will allow you to compare insurance quotes online. By doing this, you can rest assured you are getting the best deal as well as getting the personal attention you need.

The content on this website is for informational purposes only and may not be applicable to all situations. Coverage subject to terms, conditions, and availability. Policy issuance is subject to qualifications. Please refer to your insurance policy for full details about your coverages.

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