Auto Insurance Basics

Staying safe and legal on the road is highly dependent on keeping proper insurance on your vehicles. Zenith Insurance Group,  serving the residents of Pinellas County, can help you make the best insurance choices.

Here are some auto insurance basics that you need to know:

Never Let Coverage Lapse

It is crucial that you get auto insurance in place and never let the coverage lapse. A lapse in coverage is when you fail to renew or pay for your policy and the coverage ends. This can cause you several problems. You will not be able to legally drive the vehicle and you could lose your registration status for the vehicle. To avoid these issues, always keep coverage active. 

Stay Properly Insured

Most states have a required minimum insurance coverage they will allow in order to operate your vehicle on the roads. However, you should keep in mind that the minimum required coverage is not the same as full coverage. 

Minimum– A minimum required policy will only pay for damages that you might cause to another vehicle or injuries that you might cause to another driver. This type of coverage will provide nothing for your own vehicle damage or injuries. 

Full– Full coverage will provide both for you and the other drivers involved if you are the cause of an accident. In addition, if your vehicle is damaged due to a natural disaster, storm, fire, or theft, you can also be paid for repairs or replacement of the vehicle. 

Report All Drivers 

It is also important that you keep your insurance updated to always reflect any new drivers that are being added to your household. This includes teen drivers or anyone else who is allowed to drive the car on a regular basis. 

Get Auto Insurance Today

If you would like to learn more about our services, please contact us at Zenith Insurance Group, serving the greater Pinellas County and surrounding areas. 

Why basic auto insurance may not be the right choice for you

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.