As a part of being a responsible driver in Florida, you must confirm you have the right auto insurance coverage for your vehicle. Florida requires minimum coverage before you're legally permitted to operate a car. However, keep in mind that the required coverage amounts may not offer enough protection in the case of an accident. Fulton Family Insurance will advise you on auto insurance plans that best suit your needs.
Florida is a "no-fault" state. If your vehicle has been involved in an accident, regardless of who caused it, your insurance company may still have to help offset any costs. Florida's drivers must have Personal Injury Protection (PIP) and Property Damage Liability (PDL) coverage before they're permitted to register their vehicles. According to the Florida Highway Safety and Motor Vehicles, you must have at least $10,000 in PIP and $10,000 in PDL coverage. Also, you must have continued coverage even if the car is not working or isn't being driven. The state does not have requirements for motorists to carry the following types of insurance:
Although Florida doesn't require the preceding coverage, you may still need to secure an auto insurance policy that includes them. If you lease or finance a vehicle, your lender may ask you to have collision and comprehensive coverage.
Compared to other states, Florida has low state minimum coverage. The low amount mandated could make you vulnerable if you're involved in an accident. The average new car costs more than $48,000 as of 2023. If you get into a crash with a vehicle worth more than $10,000, your PIP coverage may not cover the damages. You may also be liable if you're sued over an injury exceeding your $10,000 PIP limit.
Contact Fulton Family Insurance to get the coverage you need for your vehicle in Florida. We are happy to assist you in getting a no-obligation auto insurance quote today.
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