A Guide to Auto Insurance in Florida (FL)

Florida auto insurance is a bit different from other states in the fact that they are a Partial No Fault state. What this means is that parts of a claim need to be handled by the individuals that are injured. That means that they handle their own medical bills that occur from having an accident. And in practice this means that the setup of the insurance policies here are a little different.

Bodily Injury Liability insurance is one of the lower ones you will find. The requirement here is only for drivers who have a violation or accident on their record. This is $10,000 per person with a maximum of $20,000 per accident. Though this only goes to offset your own injuries you should continue to look into this as it could mean a level of protection for your assets should something happen. Of course, the minimums while they are initially lower can be raised to a value that will work for you.

From here, you will need to consider that Property Damage Liability is another one of the types of Florida Auto Insurance that is required. With this insurance, you are protecting items that you may run into with your vehicle in an accident. This can range from fences to other vehicles and even buildings that can be involved. Per state law, you are going to need to have a minimum of $10,000 in coverage to operate your vehicle. Of course, if you have assets and items that cost more than this then you will want to fully protect yourself by having a higher level of protection listed on your account.

Your other choice when you seek out Florida auto insurance quotes is going to be personal injury insurance cover. With this you are going to find that the minimum for this in the state is $10,000.This should give you enough funds if you find that you are injured in an accident. Keep in mind that this maximum is per accident and not per person. You will need to keep that in mind if you have a number of family members that you will want to include under this policy.

To go about the process of getting the best deal on Florida auto insurance, you will want to be sure that you are looking at all the different options available and make sure that they cover the minimum levels of coverage. You may find that some companies will offer what appears to be better pricing, but in truth they have inferior coverage to some of the other options you have, so shop carefully and have a good look around at the different options that are available before making any form choices.

In addition to all this, you will want to be sure that you consider how much insurance you will need to keep your family safe. What you will often find is that if you don't prepare, accidents can occur and will come as a shock to your family. This can leave you without the coverage you need and cause some headaches down the road for you. If you aren't sure of the best route to take, talk with an agent as they will be able to help you to determine which auto coverage is going to work best for you. Keep in mind that you will want to ask plenty of questions, to avoid any potential problems.


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