Drivers in Florida need to have the protection that auto insurance provides. How much protection you need depends on a few different factors. Basic insurance is what is mandated by the state. Florida is a no-fault state, so there is a little more involved in basic insurance beyond just the liability insurance mandated. Zenith Insurance Group in Pinellas County, Florida is dedicated to operating with honesty and integrity and is locally owned and operated.
Basic Auto insurance in Florida is Property Damage Liability insurance (PDL) and PIP (Personal Injury Protection). Both of these must be a minimum of $10,000. You must get this insurance from an insurance agent licensed to do business in Florida and maintain it continuously while your vehicle is registered in the state.
This basic insurance provides for your own medical expenses in the event of an auto accident and damage to the vehicle of someone in an accident where you are at fault. $10,000 is not a lot of coverage when it comes to repairing or replacing a vehicle. If it is a relatively new vehicle, it could be two or three times that amount. If the injuries in an accident exceed the PIP limit of the other driver, you could be sued for those costs.
You need to discuss the amount that will protect you and your assets from legal action with your insurance agent.
If you have an auto loan, you will need to carry collision and comprehensive coverage in addition to what the state mandates. Even if you don’t have an auto loan, if you count on your vehicle to go about your daily activities, having this coverage is important. If you might have difficulty coming up with the amount of money you would need to repair or replace your vehicle, this insurance is vital.
Contact Zenith Insurance Group in Pinellas County for all your auto insurance needs.