What is Automobile Insurance?

November 11, 2020

The personal auto insurance policy provides broad coverage for liability (bodily injury and/or property damage that you might cause to another person), and coverage to cover you and your live-in relative’s bodily injury that results from an auto accident, and/or your property damage. The auto insurance company is responsible for negotiating and settling claims on your behalf.

Everyone needs auto insurance even if your vehicle is paid off. According to the Insurance Information Institute, one in eight drivers are uninsured and/or underinsured. Just like many states, Florida financial responsibility laws requires that anyone who owns a vehicle purchase auto insurance with at least minimum coverage limits. In Florida, the minimum coverage required is bodily injury, property damage and personal injury protection. Bodily Injury Coverage (minimum limits, $10,000/$20,000) will pay medical bills of a person or persons that you injure as a result of an auto accident. Property Damage coverage (minimum limits $10,000) will pay to repair or replace the property of another person that you damage as a result of an auto accident, and Personal Injury Protection coverage will pay for medical bills related to injuries that you or your live-in family members suffer in an automobile accident, regardless of who was at fault. For more information about what coverages are best for you, talk with one of out knowledgeable licensed insurance agents.

Frequently Asked Question About Automobile Insurance

Do I need prior auto insurance coverage to be eligible for a new auto insurance policy?

If you have a lapse in auto coverage or never owned a vehicle, there are auto insurance option available to you. Speak with our licensed insurance agent to understand all of your options. 

Is auto insurance expensive for someone who has previous accidents and/or traffic tickets?

Although a clean driving record is preferred, many auto insurance carriers provide competitive rates for people with previous moving violations, tickets, or accidents.

What kind of discounts are available under standard auto insurance policies?

Many auto insurance companies have various discounts that you may qualify for so that you get the best premium. Discounts include but not limited to; accident free, good student, safety devices, alarm systems, continuous insurance, etc. 

Why did my auto insurance rates increase at my renewal?

There are a number of factors that may have led to the increase in your premium at the renewal. It is best to speak with our licensed insurance agent to understand your options and if all of your discounts are being applied.

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