Auto Insurance

What is Auto Insurance?

Auto insurance provides financial protection for vehicle owners against losses resulting from traffic accidents, theft, vandalism, and other perils. In Florida, where traffic congestion and severe weather conditions contribute to a higher risk of accidents, having auto insurance coverage is not only advisable but also required by law.

What Does it Cover?

Auto insurance policies in Florida typically include the following coverages:

• Personal injury protection: Covers medical expenses and lost wages for you and your passengers, regardless of fault, in the event of an auto accident.

• Property damage liability: Pays for damages you cause to someone else's property, such as their vehicle or other structures, in an accident where you are at fault.

• Bodily injury liability: Provides coverage for injuries sustained by other parties in an accident for which you are responsible, including medical expenses, lost wages, and legal fees.

• Uninsured/underinsured motorist coverage: Protects you if you are involved in an accident with a driver who has insufficient or no insurance coverage, or in a hit-and-run accident.

Why is it Important in Florida?

Auto insurance is not only a legal requirement in Florida but also essential for protecting drivers and their assets in the event of an accident. With the state's high rate of uninsured motorists and the potential for severe weather-related accidents, having adequate auto insurance coverage is vital for financial security and peace of mind.