In the state of Florida, you must maintain the minimum requirements for auto insurance to travel in your vehicle on the state roadways and highways. These items are in place to help you with medical needs if you are in a wreck and to help the other party recover their losses of property damages.
The bare minimum insurance required on a car in Florida is $10,000 of personal injury protection and $10,000 of property damage liability. Personal injury protection pays out to you in the case of an accident where you sustain injuries.
It will pay for your medical costs associated with the accident. The property damage portion of your insurance policy will payout to the other party to repair or replace their property or vehicle after a collision with you.
It is usually advisable to secure more than just the state minimum of insurance as many accidents can be very costly. For example, if you are in an accident and you have passengers in your car that are hurt as well as yourself, the $10,000 personal injury protection may not be near enough for all the medical bills.
It’s a good idea to secure higher limits for this reason from Accesspoint Insurance in Boca Raton, FL. You also want to cover your property damage with collision insurance that pays to repair or replace your vehicle. Comprehensive coverage pays out to you if there is theft or damages to your vehicle by anything other than a collision.
You can also add underinsured and uninsured motorist coverages to pay out to you in case the other driver in an accident doesn’t have insurance or doesn’t have enough for your losses.
Securing auto insurance can be a tricky item, but at Accesspoint Insurance in Boca Raton, FL, we can help you to obtain the right amount for your needs. You can use our online tool to get started on a quote, call us, or come by the office for answers to all your auto insurance needs.
available from 10:00 – 19:00
Address: 5301 North Federal Highway, Suite 380
Boca Raton, FL 33487
Email: [email protected]
