Everything You Need to Know
Whether you are a longtime driver or just starting out learning the ropes, knowing Florida auto insurance requirements is something that everyone should learn. While the ins and outs of insurance can sound confusing at first, with some basic knowledge understanding your Florida auto insurance requirements will come like second nature.
Even if an Accident is Your Fault – Your Policy Will Cover Your Medical
Florida auto insurance requirements are a little different than many other states and that’s not a bad thing. While many state’s insurance policies cite you for fault and won’t pay your medical bills if you are in the wrong, Florida is not one of these states. Regardless of whose fault the accident was, your insurance is obligated to pay up to your policy’s limits.
Minimum Requirements are Easy to Remember
And that’s because they are the same. Allow us to explain, No Fault or Personal Injury Protection Florida auto insurance requirements are 10,000. The same amount applies to Damage Liability.
You Aren’t Bound By Estimates
One of the most common misconceptions for those unfamiliar with technology is that by getting an estimate and requesting more information you are bound to that plan. But unless you are being prompted to enter payment information you aren’t signing on to anything. If you are comfortable with online quotes visit this website to get a quote.
You don’t always need Bodily Injury Insurance
Thinking about things like this is just plain uncomfortable – so afterward do treat yourself to ice-cream. Basically, some drivers with previous accidents will be required to have bodily injury insurance. (As if knowing the insurance company thinks you are going to rundown grandma isn’t embarrassing enough, right?) The insurance company will pay out 10,000 in medical bills for one person but not more than 20,000. The lingo can be confusing so by all means ask your insurance company if you don’t quite get it. Most people don’t.
What is Personal Injury Protection?
Exactly what it sounds like – personal injury protection helps to cover medical bills if you are injured in an accident. It can also help to cover lost wages from time away from work, medical bills, lost services and (everyone think something happy cause this next one is depressing and God forbid no one ever needs it) funeral services. (Told you it was depressing: Now think bunnies, bunnies, happy little bunnies on a table eating cupcakes in little pink hats.)
The cheapest auto insurance in Florida has requirements that are pretty straight forward but choosing the plan that is right for you isn’t always as cut and dry. Depending on your needs and your budget, your insurance company will be able to help you decide what works best for you and how you can save money while staying safe and legal while out on the road. Remember, when in doubt – call your company. Ask questions. Don’t be embarrassed if you don’t get it the first time they explain it. Learning the lingo takes a while and we are thoroughly convinced that only big brain geeks understand insurance numbers.