Driving in Florida is unlike driving in any other state. You have many options for auto insurance coverage that can protect you in the case of an accident, injury, or a broken-down vehicle.
With so many options, the key to finding the right car insurance policy is to consider what you would need in a variety of scenarios. Consider the questions below if you’re looking for the best auto insurance in Florida.
What Auto Insurance Policy Do I Need to Carry in Florida?
In order to drive as a Florida resident, you must have an auto policy with personal injury protection (PIP) coverage. However, the state-required minimum coverage usually won’t cover much. The minimum requirements often aren’t enough for damages and injuries in an accident. If you cause medical bills from an accident, you could be paying for much of the cost out of pocket. You should review the various types of auto insurance coverage detailed below.
What Are the Various Types of Auto Insurance Coverage?
Bodily Injury Liability
Bodily injury liability coverage pays for damages and injuries to the other parties in an accident. Although not generally required in Florida, having this coverage might help you avoid a lawsuit if other parties suffer serious injuries or damages, and it may be required if you have had a DUI or other violations.
Property Damage Liability (PDL)
Florida drivers must carry at least $10,000 in PDL coverage. Property damage liability may cover the cost of repairs to your vehicle, reimbursement for a total loss, lost items that were inside the vehicle at the time of the accident, and more.
Collision coverage pays to repair your vehicle after an accident, regardless of fault. While not required in Florida, this coverage can help ensure that you get the repairs you need after an accident, whether the other driver has good insurance or no insurance.
Comprehensive insurance will cover damage costs for reasons other than an accident, such as hail or theft. Although it’s not included under Florida’s minimum requirements, you may consider comprehensive coverage to protect your car from storms, shopping carts, or other non-driver dangers, and it may be required for leasing or financing a vehicle.
Medical payments insurance, or MedPay, will pay medical bills or funeral expenses that result from an accident, beginning after you have exhausted your PIP. MedPay is optional in Florida. Other limitations exist on the total amount MedPay will cover, so speak with a knowledgeable insurance agent before deciding on MedPay coverage.
Personal Injury Protection (PIP)
Florida drivers must carry a minimum of $10,000 in PIP coverage to protect themselves in an accident. Seasonal residents who spend more than 90 days out of the year must also carry the Florida minimum PIP coverage.
Uninsured (UM) or Underinsured (UIM) Motorist
Despite the requirements to carry insurance, many Florida drivers do not have auto insurance or only carry the minimum required. If the other driver doesn’t have enough liability coverage for your expenses, you could pay out of pocket. Uninsured motorist and underinsured motorist coverage are designed to protect you from this common problem. Although uninsured and underinsured motorist coverage are not required in Florida, be advised that experts estimate over 1 in 8 Florida drivers don’t have any insurance coverage.
UM/UIM coverage only applies in certain circumstances:
- You are not at fault for the accident.
- The at-fault driver doesn’t have enough liability coverage for your damages or injuries.
UM/UIM also applies if you are the victim of a hit-and-run, as the insurance status of the at-fault driver is unknown.
Roadside Assistance, Rental Car, and Towing
If your car breaks down or needs a tow to a repair shop after an accident, this insurance can pay your expenses with additional coverage. You may even receive full payment for a rental car while your car is in the shop. Ask a knowledgeable insurance agent whether these features are included with your policy.
How Do I Find Auto Insurance Near Me?
Seek the advice of an experienced Florida auto insurance agent. At The Gordon Agency you will work with an independent agent (not affiliated with a particular provider), so they can help you find the best coverage from among all the providers.
If you shop around for different quotes online yourself, you can get bogged down reviewing different coverage options and prices. Finding a reputable car insurance agent to compare insurance companies and coverage options is best, as they have access to better comparison tools than you might find searching yourself.
How Do I Choose an Auto Insurance Agent Near Me?
Before searching for “auto insurance agents near me,” ask your friends and family in the area if they would recommend their agent. Look at their reviews online, and see if you can find their profile about why they love working in car insurance in Florida.
Call Us at The Gordon Agency for the Best Independent Auto Insurance Agents in Boca Raton
At The Gordon Agency, we are an independent agency offering multi-line insurance with policies including auto insurance, homeowners insurance, and many more types of coverage. Located in Boca Raton, we want to help Florida residents cover all aspects of their life. We want to help you find the coverage you need for your auto insurance in South Florida. Call us today at 561-988-3330 or contact us online.
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