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Florida Auto Insurance – Why Price May Not Be The Most Important Consideration

Florida Auto Insurance – Why Price May Not Be the Most Important Consideration

In Florida, auto insurance is a requirement for every registered four-wheeled (or more) vehicle.  The absolute minimum coverage required by law is $10,000 personal injury protection and $10,000 property damage liability.  However, when has doing the absolute minimum gotten you very far in life?  Remember, cheaper is not always better.  When it comes to auto insurance in Florida, there are other coverage options you should consider.  At Fudge and Associates, we curate car insurance quotes to provide the best coverage options for you.  They may not be the least expensive, but they are affordable and will give you the best protection in the event of an accident whether or not you are at fault.

Uninsured Motorists/Underinsured Motorists

Florida ranks #2 for the most uninsured motorists in the country according to the Insurance Information Institute (III).  23.8% of motorists in Florida are not insured.  1 in 4 drivers on the road in Florida do not have insurance. The national average is 1 in 8.  Florida drivers, therefore, should consider carrying uninsured motorists/underinsured motorists coverage (UM/UIM).

If you are injured in an accident with an uninsured motorist and do not have UM insurance, you are limited to your own PIP coverage.  If you went with the bare minimum auto insurance required in Florida that may only be $10,000, which may not cover all of your expenses including future medical expenses, long-term disability costs, and future lost wages due to injuries suffered by you or your family members.

Motorists in the sunshine state also need policies that meet with the Florida Financial Responsibility Law. This law requires that any person at fault in an accident resulting in bodily injury and property damage to others must have full liability coverage at the time of the accident. If not, you risk having your license suspended for non-compliance and paying a higher insurance rate.

These are just a few of the many considerations when purchasing car insurance in Florida.  Call us today to speak with an agent about your unique coverage needs.  Our number is 407-965-4253 or fill out this form and one of our agents will contact you shortly.

Have more questions about Florida car insurance requirements with special circumstances?  This link will take you to the FAQ page for the Florida Department of Highway Safety and Motor Vehicles.

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