car insurance driver in Florida

Why You Need Car Insurance Coverage When Driving in Florida

Auto Insurance in Florida, in case you are new to driving, is required by law like in almost every state of the country. Florida has a very peculiar scenario and different risks from other states, but in this post, we will explain some of the basics and other important reasons why you need to drive with auto insurance coverage.

Florida Auto Insurance Requirements

The state minimum coverage required by law in Florida:

  • Property damage liability (PDL) – $10,000
  • Personal injury protection (PIP) – $10,000

Other car insurance coverage like bodily injury liability, comprehensive, collision, etc are considered optional in the state of Florida.

Finding a good auto insurance coverage deal could become a difficult task especially if you don’t get help from the right agents or agency. But, on the other hand, auto insurance is one of the most important decisions you will make when driving in Florida. You should know that your policy covers any vehicle damage that may occur while you are driving on the state’s roads. This includes car accidents, property damage, and even traffic violations. Here, we will discuss reasons for having insurance coverage when driving in Florida.

1. Offers Protection for You and Your Family

You need to have car insurance in Florida to protect your family from the financial damages that may occur due to an accident thus saving money. When you are involved in an accident, the other driver’s insurance policy will cover all the financial damages that occurred. You need to be careful about what type of coverage you choose for your personal car. If you live in a rural area, no one may come out to claim the damages from your vehicle if it is damaged by a rock or other objects on the road. This means that you and your family could be left without any money for repairs.

2. Reduces Stress During Difficult Times

If you are involved in an accident involving severe injuries, your injuries may leave you unable to work. This will leave you with a lot of pressure on your shoulders as you try to find a solution to pay off the debts incurred due to the accident. Having auto insurance coverage will provide financial protection for your family, and help alleviate the stress of an accident. It’s important to note that if you are involved in an accident, it’s up to the other driver’s insurance company whether, or not they want to pay for the damages that occurred.

3. Helps Prevent Unnecessary Financial Losses

When you have auto insurance coverage for your vehicle in Florida, you will be able to protect yourself from unnecessary financial losses. This is because if your car is damaged, and cannot be repaired, you may have to sell it at a lower price than it would otherwise have been sold for. This means that you will lose money on the sale, and the replacement of the damaged item. You should also note that if your car is stolen, the police may not help you get the item back since they cannot arrest someone who has no insurance coverage. If this happens, there’s a chance that all of your money could go down the drain. You need to take care when purchasing a vehicle, and ensure that you have the necessary insurance coverage in place.