The state of Florida requires drivers of any vehicle with four wheels to have auto insurance coverage. While the state minimums are enough to get you on the road, there’s a lot more to auto insurance from the Wurzel Agency Inc. in Oviedo, FL. Here is what you need to know.
What are the Minimum Auto Insurance Requirements?
In the state, drivers must obtain property damage liability and personal injury protection before they can register and drive a vehicle. Property Damage Liability (PDL) covers costs associated with another’s property damage or property loss if you are the cause of the incident.
Personal Injury Protection (PIP) pays for medical expenses regardless of who causes the accident. The need for PIP comes from Florida’s no-fault status.
Failure to keep the minimum insurance active on a registered vehicle can result in a suspension of driving privileges. If you’re at fault in an accident, it’s possible your minimum insurance requirements will increase. In such cases, you will have to add on bodily injury liability (BIL) to the standard minimums.
What Are the Auto Insurance Options Beyond the Minimums?
You can always increase your coverage amounts for liability and extend PIP coverage to levels that would make you more comfortable. In addition, there are several optional auto insurance choices that can add more types of coverage for you. Some examples can include:
- Comprehensive coverage – Pays for damage to your vehicle from non-accidents
- Collision coverage – Pays for damage to your vehicle from accidents
- Underinsured/Uninsured – Coverage for accidents with people with inadequate amounts of insurance or no insurance
- Towing and labor or roadside assistance – Coverage for towing a vehicle or performing labor if it breaks down on the road
What you choose should reflect your individual insurance needs. Don’t opt for just any package because it satisfies the legal requirement. You should always carry as much insurance as you can comfortably handle in Florida. Contact The Wurzel Agency Inc. in Oviedo, FL for a quote on an insurance package suitable to your situation.