When you're in a car accident, there are a lot of moving parts. After everyone's okay, you'll need to know how it affects your premium. Florida car insurance costs may increase depending on who's at fault for a collision.

Fortunately, a Florida independent insurance agent can help with coverage and premium options so that you're protected. They'll review your policy for free, giving you the best deal. Connect with a local expert to see how claims affect your rates.

What Is Car Insurance?

In Florida, car insurance provides coverage for a liability or property damage claim involving your personal or commercial vehicles. This can be for accidents that are your fault or a third party's. The value and coverage selected will determine how much protection you'll have on your auto policy.

Is Car Insurance Mandatory in Florida?

All drivers on Florida roads must meet the minimum requirements for insurance coverage to avoid penalties or worse. Check out the state's mandated car insurance below:

Florida's minimum liability requirements for auto insurance:

• $10,000 property damage liability per accident
• $20,000 bodily injury liability per accident
• $10,000 bodily injury liability per person

Total number of injured persons in motor vehicle crashes in the US from 1990 to 2018

When you're injured in a car wreck, it can be costly. It's best to have proper coverage for all the what-ifs.

What Does Florida Car Insurance Cover?

While Florida only requires you to carry the minimum limits of liability, there are additional coverage options you should consider. Check out the optional coverage choices in Florida:

• Towing and roadside assistance: This will pay for a tow to pick up your disabled auto. 
• Rental car insurance: This covers the cost of renting a vehicle while your auto is being repaired.
• Uninsured motorist insurance:  If your auto is involved in an accident with an uninsured driver, this provides coverage for property damage and medical costs.
• Comprehensive insurance: This covers the cost to repair or replace your vehicle if it is lost or damaged due to a non-collision accident.
• Collision insurance: This will replace or repair your auto that is damaged due to an accident.

What Doesn't Florida Car Insurance Cover?

Florida car insurance can be tailored to your specific needs, but it will also come with a list of exclusions. Take a look at what's not included in your auto policy:

• Commercial vehicles: Unless your policy is written in a business name, it will not have commercial auto coverage. If you have titled your car in a company name and are insuring it on a personal policy, you will have trouble when a loss occurs. 
• Non-scheduled autos: If you are driving a vehicle not listed on your policy, then your coverage will not extend without adding it.

Frequency of private passenger comprehensive auto insurance claims for physical damage in the US from 2007 to 2019

The number of claims that cause damage to vehicles is significant. If you're not fully insured with the right coverages, you could be on the hook for the expense.

How Much Does Florida Car Insurance Go up after an Accident?

Your car insurance costs can increase after you have an accident. If you're at fault for the collision, you can almost guarantee it. However, if it's the other driver's fault, then your insurance costs shouldn't be impacted. Check out the risk factors that carriers use to calculate your Florida auto premiums below:

• Year, make, and model of all vehicles
• The radius in which you travel
• The number of drivers and their driving records
• The coverage you choose
• Where you store the vehicles
• What safety measures you have in place

How a Florida Independent Insurance Agent Can Help

Car insurance in Florida is necessary if you're going to use the roadways. It can be challenging to find a low premium with coverage that meets your needs when you're not a licensed adviser. Your auto insurance can be affected if you have an accident, and finding the right policy to insure your loss is crucial.

Fortunately, a Florida independent insurance agent has access to a network of A-rated carriers. They know how to shop for companies that will cover your claims and have minimal impact on your premiums. Connect with a local expert on TrustedChoice.com to get started today.