What to Know Before Buying Car Insurance

What Does Your Car Insurance Policy Cover? 

Your car insurance policy is designed to afford you the coverage you need if you are in a collision or if your vehicle is otherwise damaged.  In addition to the required liability coverage and personal injury protection these policies provide, you have access to optional coverage.

1. Liability insurance: This covers third-party property damage if you are responsible for a collision. Your policy must meet the state’s minimum requirement of $10,000. Bodily injury liability coverage is not required.
2. Personal injury protection (PIP): This required coverage pays medical expenses for you and your insured passengers if injured in an accident, regardless of fault.  You must have at least $10,000 in PIP coverage.
3. Collision coverage: This covers repairs to your vehicle if you are in a collision, regardless of fault. It can cover your damage if you crash your car into a cart-return station while pulling out of the Publix parking lot.
4. Uninsured motorist coverage: This can cover your property damage if you are in an accident caused by an uninsured, under insured, or hit-and-run driver. Your medical bills will be covered by your policy's PIP.
5. Comprehensive coverage: This covers damage to your car that is not related to a collision. For example, if a  brush fire burns your car or if post-hurricane floodwaters wash it away.

If you are concerned about floods in your area, or if you are in a flood zone, be sure to talk to your agent about flood insurance.

Top Insurance Companies that Support Independent Agents in Florida

There are currently 1,583 independent insurance agents in Florida who are ready to help. These agents can work with several insurance companies to help you obtain and compare a selection of customized car insurance quotes. That way, you can be sure you are getting the coverage you need at a fair and competitive price.