In the state of Florida, you must maintain auto insurance in order to drive on the state roads and highways. The state of Florida designates an automobile as a vehicle with four or more wheels. You also need to have proof of insurance to register your vehicle. These are just a few of the requirements of auto insurance, but a policy can do much more than the minimum.
The minimum amount of insurance on your vehicles is a 10/20 policy, meaning that you must have $10,000 personal injury protection for yourself and $20,000 liability insurance for property damages to others. If you are convicted of an offense, the Florida Department of Motor Vehicles can require you to carry additional insurance coverage such as an SR-22.
The minimum liability coverage does not cover any damages sustained to your vehicle when you are in an accident. You can add collision insurance to your policy to pay to make repairs or to have your vehicle replaced after damages from an accident. Comprehensive insurance covers any damages to your car that are not collision-related, such as wind damages, hail damages, and falling trees as well as theft. Uninsured and underinsured motorist insurance covers your damages to your car and your medical bills when the other driver has either no insurance or not enough to cover your losses. Medical payments and personal injury protection will cover your medical expenses after an accident. Towing and labor insurance is a good idea to have on your auto insurance policy to move your unresponsive vehicle. After a wreck, if your car won't run, then you will need a tow truck to take it to a mechanic shop, which can be very expensive if you don't have this type of insurance.
At JetStream Insurance Group LLC, we are here to help you get the perfect amount of auto insurance for peace of mind. You can use our online rating tool to start a quote, come by the office in Doral, FL, or give us a call.
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