Auto Insurance Boca Raton

Every motorist that operates a motor vehicle on Florida’s roads is required to carry auto insurance which is a minimum amount of personal injury protection (PIP) insurance coverage whether he or she is driving on a residential surface street, a major thoroughfare, a state highway or on the interstate.  This minimum insurance requirement is a prerequisite to even getting behind the wheel to legally operate a motor vehicle in Florida.  However, given that Florida has one of the highest rates of motor vehicle accidents of any state in the country, in addition to the fact that Florida consistently ranks as the state with the highest proportion of uninsured or underinsured motorists on its roads, carrying auto insurance coverage and in particular carrying the right amounts and kinds of insurance coverage with the right limits of liability is a very important issue for all Floridians.  This is particularly true for South Floridians, who have higher accident rates and numbers of uninsured or underinsured motorists than anywhere else in the state.  Every Floridian needs to ensure that he or she has sufficient automobile insurance coverage, and the right kind of auto insurance coverage, to be out on the road lest something should happen to that person and insurance is not there to provide protection against uninsured losses.

What Auto Insurance Coverage
Should I Get?

Depending on what occurs that results in a motor vehicle accident or other incident, a different auto insurance coverage may apply. Given all of this, auto insurance is far from a cookie- cutter type of insurance coverage. Instead, the right auto insurance coverage is a highly individual decision and an experienced Florida insurance agent can help customize coverages to you and/or your family’s auto insurance needs. At The Gordon Agency, we are experienced at looking at your particular family or individual situation and working with you to determine what the most appropriate coverages for your particular situation may be. In addition, because choosing the right carrier is just as important as choosing the right insurance coverages, we also can recommend one of the many fine insurers with which we work to obtain your auto insurance. 

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Do I Need Every Coverage Offered?

Minimum coverage in Florida will hardly cover all of your needs. Don’t be fooled when your insurance agent says you are “fully protected”. In many cases you are not.

  • Bodily Injury Liability

  • Property Damage

  • Collision Coverage

  • Comprehensive

  • Medical Payments

  • Personal Injury Protection

  • Uninsured or Underinsured Motorist

  • Roadside Assistance, Towing and Rental Car

Don’t Forget These Coverages

Comprehensive car insurance auto insurance pays for damage to your vehicle caused by covered events such as theft, vandalism or hail. Collision coverage takes care of damage to your vehicle in the event of a covered accident involving a collision with another vehicle. Given the number of uninsured or uninsured drivers on Florida’s roads, having uninsured/underinsured motorist (UM) coverage if you live and drive on the roads of South Florida also is particularly important. This coverage applies if you are involved in an accident with a motorist who is either uninsured (has no insurance) or is underinsured (does not have sufficient insurance to cover your damages). This is particularly true in South Florida, which has an even high rate of uninsured drivers than the rest of the state. This makes procuring UM coverage particularly important for all drivers in South Florida in particular.  

The Gordon Agency Customizes Your Policy for You

Although Florida law sets forth a minimum amount and type of insurance that is required to be maintained by every motorist on Florida’s roads, many different insurers have different product offerings that have advantages for different drivers.  Some insurers may offer large value policies or other insurers may specialize in providing coverage for drivers who may have a less than sterling driving record.  Until you sit down and discuss these things and your particular situation with an experienced Florida auto insurance agent like the professionals at the Gordon Agency, you will not know this and you will not be able to make the most educated decision possible about the coverages and carrier you eventually choose for your personal auto insurance.

The Gordon Agency represents a number of excellent auto insurers.  There is no one best insurance company for all types of drivers, vehicles or coverage limit options. Being an independent insurance agency allows the Gordon Agency’s licensed insurance professionals to match you with the proper carrier and the proper auto insurance policy, coverages or products in order to obtain the best overall auto insurance coverage package for you at the best rate.

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