Auto Insurance in Florida – 8 Important Things to Know about Your Coverage


Auto Insurance in Florida - 8 Important Things to Know about Your Coverage

Shopping for your auto insurance in Florida can be complicated and confusing, but if you do your job you make it less difficult.  Regardless of the type of vehicle you drive, it’s essential to have enough protection.  Liability coverage protects you and your assets in case you’re at-fault in an accident resulting to damages of another driver’s property or bodily injury.  Remember the tips bellow when determining the cost of liability coverage to maintain your auto policy in Florida.

What to know about your auto insurance in Florida?

1.   It’s a must to have it. If you are a driver in Florida, you’re required to get your liability insurance.  You are going to lose your privileges in driving if you are caught driving without it.  It means you’re not supposed to leave the driveway if you haven’t obtained this essential coverage.  And if you’re not covered, you’re only exposing yourself to some serious risks, liability and even violating the law.

2.  Minimum coverage could not be sufficient.  In Florida, it is required that drivers should meet at least the $10,000 minimum liability coverage.  However, this could not be enough in getting all the entire protection needed.  For instance, if you get $10,000 minimum and you hit a $50,000 Mercedes Benz, you’re at hook for what is not covered by your liability coverage.  This is important to think about when you are in Florida because there are lots of expensive autos on the roads.  It’s a good investment getting a discussion with an expert agent who can save you thousands of dollars from an accident.

3.  Uninsured motorist coverage.  We know that in Florida, there are many  motorists who are not insured.  Can you get protection if one of those motorists caused you an accident and you got injured or got your property damaged?  If in doubt, then begin reviewing your existing auto insurance policy. If you buy uninsured motorist coverage, you’re protecting yourself from personal liability in the event that an uninsured driver has caused you an accident.  This coverage takes effect when a driver who is at-fault is underinsured or doesn’t have auto insurance.  You’re better off to be safe than to be sorry, so it’s recommended checking your coverage immediately.

Auto Insurance in Florida - 8 Important Things to Know about Your Coverage

4.   Liability may all be what you need. If you’re driving an older auto, what you may all need is liability coverage.  You can purchase insurance which covers your auto’s repairs; however, the coverage cost can be too high.  It will be better to increase the limits for that liability coverage and don’t include the broad portions and collision of the policy.  If you’ll consider this option, it’s better to talk to an agent to be able to examine your auto’s value and to define if it is sensible or not to have full coverage.

5.  An umbrella will give you additional protection. When your existing liability limits don’t give you ample protection, you can add the umbrella coverage with cost that is not high.  Umbrella coverage takes effect after reaching the limits on auto and homeowners insurance, providing more dollars for the additional protection.  This is helpful in high-end autos in Florida streets as well as in high court cases arising from auto accident.

Auto Insurance in Florida - 8 Important Things to Know about Your Coverage

6.  Liability coverage won’t pay in fixing your auto. When you are at-fault in an accident, the liability part of the coverage will not settle for the required repairs.  Your insurance can be used in getting your auto fixed as long as you have the collision coverage.  With this, even if the insurance company considers your auto as a complete loss due to accident (even with coverage on collision), the highest amount to be paid by your policy is based on your auto’s market value.

7.  Liability coverage doesn’t cover your medical expenses. When the accident is caused by you, then your liability coverage will not settle for the incurred medical expenses.  On the other hand, if the accident is caused by another driver, his insurance will pay for your auto’s damages and your medical expenses as well.  It’s always important to know the likely risks.

8.  Liability coverage will pay for your medical expenses if you cause the injuries. The bodily injury part of your liability coverage will pay for the people’s medical bills if they’re involved in the accident caused by your negligence.  If there is more than one person who is injured, your insurance will pay for the medical expenses of all the persons—up to the policy’s limits.

To learn more about  auto insurance in Florida, please contact us at DMG Insurance and Financial Services, Inc. ( at 543 N State Road 7, STE 106, Royal Palm Beach EL, 33411, phone 561 422 7071, Fax 561 422 7072.

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