Florida Auto Insurance Coverage – Facts to Help you Decide

If you have a vehicle in florida is must have insurance, it is required by law to have at least the minimum coverage which is $10,000 personal injury protection PIP and $10,000 property damage liability PDL.

A bodily injury liability BIL insurance coverage pay for serious and premanent death or injury to otehrs when you cause an automobile accident. This way your insurance company will pay for injuries up to the limit that you policy says.

A property damage liability PDL insurance coverage pays for damages you cause to other people property in an accident that involves a motor vehicle.

Here are some facts:

You need to have at least the minimum insurance issued in Florida with a company licensed to sell in Florida, you can not use a policy from a previous state.

If you do not keep your vehicle insurance in Florida the Department of Highway Safety and Motor Vehicles can suspend your driving privilege for up to theree years.

There are other types of coverage that are not required but it may be good to have them if you can afford it like collision and comprehensive coverage. With comprehensive coverage you will not incurr in any financial loses in case of an accident, vandalism, weather, storm and any other type of damage.

Once you have decided what type of coverage you want you need to compare quotes from different companies and choose the best option. However the best option is not always the cheapes, you need to choose a company that is reliable, has quality service and financial stability.

Keep in mind that you can lower your premium costs if you increase your deductibles, but you will have to take more out of pocket money in case of an accident.

You can also lower your costs if you install safety devices in your car, take a defensive driving course and have good driving record. You can also ask for additional discounts.

To get started and compare quotes from different Insurance companies in Florida just click the banner below.

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Filed under: Florida Auto Insurance Coverage

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