subject: What You Need To Know About Florida Auto Insurance [print this page] Every state has their rules about what you need in terms of car insurance as it is a law that you have to have it. If you are caught driving without it, you can be in some serious trouble. That's for sure. So, what are the laws concerning Florida auto insurance? We have it all right here for you. This is what you really need to know.
In order to own and operate a car in Florida, the first type of car insurance that you have to have is Personal Injury Protection. This is insurance that will protect you no matter whose fault it is. When you have this, you don't have to worry about if the other person has insurance or not. The minimum about of this type of insurance coverage is ten thousand dollars.
Normally, this type of insurance will cover anyone else in your home as well. This is why many will tell you that if you have dependents then you need to increase this amount therefore everyone is covered. You might never know when it will come in handy. Some parents actually like this insurance because it covers your children when they ride the school bus.
The other type of insurance that you have to have when you live in Florida is Property Damage Liability. This pays for anyone's property if you are at fault. The amount that you must carry is a plan of at least ten thousand dollars. Yet, this is not only the only coverage that they say you should have. However these are the two that are mandated.
Many will tell you that you should have bodily injury liability. We all know that accidents can cause damage to not only the cars involved, but also people can get hurt as well. What happens if you cause an accident and a person is hurt? This coverage is nice to have because it will cover that. It's not something that you have to think about.
While you might only be able to afford the minimum, it's always nice to have extra insurance, so if you can swing it, then you really should. That is something you just can't get through to people. They tend to learn this the hard way.
Don't be one of those people who learn the hard way. Learn the smart way. While we just told you what you have to have so that you don't get in trouble in the state of Florida, you should look into having more. If not for you then do it for the other people who are involved. You never know when an accident can occur.
by: Alexis Ford
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