Auto Insurance

Auto Insurance Requirements for Florida

Florida is a no-fault insurance state. Florida drivers need to have at least $10,000 in PIP (personal injury protection) and $10,000 for property damage liability. The basic liability coverage protects the driver’s property in the event there is an accident where you are at fault. Many serious collisions are more expensive than this, so you may want to have additional coverage. You aren’t required to have any bodily injury coverage. This means that if you are found at fault for an accident, your insurance doesn’t cover any accident-related medical expenses for the other drivers. You can choose to get this insurance, but it’s not required. PIP insurance covers medical costs for both you and your passengers, regardless of who is considered at fault for the accident. This coverage can also cover lost wages and replacement services, such as childcare.

Other Insurance Options in Florida

In addition to bodily injury liability insurance, there are other optional coverages you can purchase to protect yourself. These insurance options are not required but are recommended, depending on certain situations. An agent at Hawk Insurance Group can help you determine which options are the best for you. Adding collision and comprehensive coverage can be a good move in order to cover your property replacement and repair costs after an accident. You can also add rental car coverage, so you aren’t stranded without a car while yours is in the shop. Comprehensive coverage will cover things such as vandalism and theft. You may be required to have collision and comprehensive coverage on a vehicle that you are still paying off so the lender can protect the investment. Uninsured motorist coverage covers you no matter if the other driver has insurance. This coverage protects you from the high cost of repairs or medical bills resulting from a collision with drivers that don’t have the right coverage.

Contact Hawk Insurance Group to get a quote on auto insurance.