The best answer to this question is to get the right money value for you and the top-notch customer service. Today, there are various selections of products on auto insurance that allow you to obtain the policy that meets your needs. Primarily, these include the types of basic car insurance coverage.
In Florida, it’s required that all drivers must have at least $10,000.00 dollars for Personal Injury Protection (PIP) and another $10,000.00 dollars for coverage on property damage liability.
Basic Liability coverage
All drivers in Florida are required to legally own their auto insurance, at least with the basic coverage of property damage liability. In case of car accident—where you are at fault—car insurance covers the property of the other driver. Serious car accidents are expensive, so it’s necessary to consider extra coverage for this. However, Florida does not call for bodily injury liability coverage. It simply means that if you are the person at fault for an accident, and the other driver gains expenses for the accident-related medical cost, your auto insurance coverage will not cover it. In Florida, bodily injury liability insurance is very important, and that means you are covered even if “at-fault” accident occurs.
Personal Injury Protection
All drivers in Florida are lawfully required to buy PIP (Personal Injury Protection). It covers most of the medical costs, not only for you but also for your passengers. It does not matter who is the one at fault, PIP also covers partially the lost wages and all incurred services such as lawn task, housekeeping, child car, etc. Death benefit is also provided by PIP.
Comprehensive and collision coverage
By including this type of coverage, it will protect you in a smart manner. It does cover the repair of property and the replacement cost after a collision or accident—and you can also include rental car coverage for this. Having a comprehensive coverage means having more benefits in terms of vandalism, theft, fire and other damages. You can always select a higher deductible to be able to reduce your regular premiums.
Uninsured motorist coverage
To know if you’re covered during an accident (in spite of the status of the other driver’s insurance), you have to include uninsured motorist coverage to your car insurance. The protection includes expensive medical costs and repairs caused by drivers without insurance, or if they lack the right coverage that covers damages. Find an auto insurance provider that offers range of uninsured motorist coverage to meet your insurance needs.
To get additional information about What does it take to enjoy a great auto insurance policy in Florida, please contact us at DMG Insurance and Financial Services, Inc. (http://www.dmginsurance.com) at 543 N State Road 7, STE 106, Royal Palm Beach EL, 33411, phone 561 422 7071, Fax 561 422 7072.