Buying Auto Insurance Can Be Daunting, Four Things to Know About Getting Florida Car Insurance

By  //  July 19, 2018

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Getting a car insurance can often be a daunting and confusing task especially if you are living in Florida. The most important thing that you must keep in mind about car insurance Florida is that by the law you are required to have it.

Getting a car insurance can often be a daunting and confusing task especially if you are living in Florida. There are so many so-called “experts” that will tell you different things about it but it will only end up confusing you even further. We have compiled a list of four important things that you must keep in mind while thinking about car insurance in Florida.

1. It is necessary:

The most important thing that you must keep in mind about car insurance Florida is that by the law you are required to have it. It doesn’t matter the type of car that you are driving. Whether it is a car, SUV or even a truck if you are caught without having a proper car insurance you will most likely lose your rights to drive that car.

We suggest that you do not even leave your driveway unless you have all the necessary coverage that the law requires you to have. If you still decide to go for a drive with obtaining car insurance Florida you will be subjecting yourself to serious liabilities and risks and you might even lose your right to drive if you are caught.

2. Don’t rely on minimum coverage:

One mistake that most car owners make is that while choosing a car insurance they only get a coverage of $10,000. According to the laws in Florida, this is the minimum amount that every car owner must have covered as insurance. However, we suggest otherwise. Florida is a state with some of the most expensive cars in America.

Imagine having an insurance of $10,000 only and hitting your car that is worth $50,000. You can have some serious financial set back if this happens so it’s better to be safe than sorry.  One of the things that we strongly suggest is that you take out the time and visit any experienced car insurance salesman in your area because they can properly guide you.

3. Liability Coverage:

If you are the owner of an older vehicle you may only need to get yourself liability coverage only. If you want to get an insurance that is able to cover the cost of the repairs of your vehicle you can also get it but since you have an older automobile it is possible that that insurance plan is more expensive.

For older vehicles, we recommend that the owners choose to raise the amount of liability coverage and completely drop comprehensive and collision insurance if they want to save money. However, it is a good idea to go to a car insurance agent and get an idea of the market value of your car before choosing this option.

4. Liability and medical expenses:

If you decide to get liability coverage it is important to know what kind of medical expenses will be covered by the insurance and which won’t be. If the accident is caused by you and you have injured the liability will not cover the medical expenses.

If the other person is a fault in the accident and you are injured their insurance will cover your medical expenses. If the accident is caused by you and the other person is injured your insurance will pay for their medical expenses up to the limit of the policy that you have taken.

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