Searching for Car Insurance in Lake City?
June 14, 2023
Nsurance Nation has independent auto insurance agents online to help you find the most competitive rates for Lake City car insurance based on your current needs.
Need a Quote? Visit our website, answer a few questions that insurers ask to determine their rates, and you will instantly be provided with 3 quotes.
Need Proof of Insurance? Florida requires proof of PIP and PDL car insurance. We can forward proof of insurance in a uniform paper or electronic format.
Need It Before a Suspension Date? If you fail to provide proof of insurance before the suspension date, your driver license, tag and registration will be suspended. Don’t get caught ill-prepared for an auto accident.
Owning and operating a vehicle in a no-fault state means you need car insurance in Lake City regardless of who’s at fault for an accident; and in case you cause damage to someone else's property.
What is Minimum Car Insurance in Florida?
According to The Florida Bar, if you own a motor vehicle with four or more wheels you must carry $10,000 of personal injury protection (PIP) insurance and a minimum of $10,000 of property damage liability (PDL) insurance. You can have a deductible of up to $1,000 for PIP coverage and $500 for property damage liability. Coverage applies even when you are driving someone else’s car.
Minimum Lake City car insurance coverage includes:
- Personal Injury Protection. PIP is designed to reduce the necessity of suing for reimbursement of medical and related bills from auto accidents. Our agent can explain how damages, injuries or even lost wages can be protected by PIP coverage.
- Property Damage Liability. PDL protects you financially if you are held at-fault in an auto accident that causes damage to another person’s property. It also pays for repairs to the other vehicle. PDL does not reimburse you for damage to your own property.
For accidents that happen in Florida, PIP covers you and relatives who live in your home as well as certain passengers who do not own a vehicle and others who drive your car with your permission. To be entitled to PIP benefits, you must receive initial services and care within 14 days after the motor vehicle accident.
What are Additional Coverage Options?
When purchasing Lake City car insurance, drivers may also purchase insurance coverage beyond what's legally required. Common options include collision, comprehensive, uninsured motorist, medical payment, towing, rental reimbursement, and accidental death for extra protection and peace of mind on the road.
While not mandatory, the auto insurance options below are definitely worth considering:
- Collision Protection. Optional collision car insurance covers the cost of fixing or replacing your vehicle. Coverage comes with a deductible and pays for repairs up to the fair market value of your car. As you might expect, the higher the deductible; the less collision coverage will cost.
- Liability for Bodily Injury. Florida only requires you to carry a minimum of $10,000 PIP, this liability coverage protects your assets when medical costs exceed your coverage. Drivers convicted of a DUI are required by law to carry $100K per person and $300K per accident of bodily injury protection.
- Comprehensive Damage. Comprehensive Lake City car insurance covers damage to your car or truck that is not caused by a collision with another vehicle. This includes damage from natural disasters, animal attacks, floods, fires, hail storms, vandalism, or theft.
- Uninsured Motorist. The Sunshine State has one of the highest rates of under insured drivers in the nation. UM optional coverage is added to your Lake City car insurance policy to pay for injuries that you and your passengers received in an accident with an uninsured driver.
If you already own a car and have auto insurance, that policy will generally cover your new vehicle for a period of up to 30 days after purchase. But, time goes by quickly, so it is best to talk to our agent as soon as possible about optional Lake City car insurance coverage to keep you and your family protected.
Nsurance Nation for Lake City Car Insurance
We all believe we're invincible until an unexpected car accident happens. Sadly, there are roughly five hundred crashes every day on Florida roadways. Even though you do not have control over other drivers’ actions, you must have the minimum auto insurance coverage to cover your medical bills, your household members, and your vehicle’s passengers up to policy limits.
Just as you purchase coverage to pay for another driver's injuries and damages when you're at fault, it's only logical that you'd want the same financial assurance. But, without uninsured motorist, comprehensive, collision and bodily injury liability, you could be facing financial ruin due to another driver's mistake. It can mean the difference between safeguarding your assets and struggling financially.
Even with Florida’s higher than average premiums, Nsurance Nation can lower your rates for Lake City car insurance. Our agents will work closely with you to find the right coverage with the most affordable premiums. Use this website’s Click Here for Quotes option or call us direct at 1-833-450-9490.
