FL Auto Insurance: 5 Essentials You Need to Know

Introduction

Florida is the third most populous state in the United States, with over 21 million residents. With so many people living and driving in the state, it's no wonder that auto insurance is a major concern for Floridians.

In this article, we'll discuss the five essential things you need to know about FL auto insurance. We'll cover everything from coverage limits to discounts to filing a claim. By the end of this article, you'll have a better understanding of your auto insurance policy and how to get the most out of it.

1. What's Required by Law?

Florida law requires all drivers to have auto insurance. The minimum coverage limits are:

• Bodily injury liability: $10,000 per person/$20,000 per accident
• Property damage liability: $10,000 per accident

These minimum limits are low and may not be enough to cover your costs if you're in an accident. We recommend that you purchase higher limits, such as $100,000/$300,000/$50,000.

2. What Types of Coverage Are Available?

In addition to the required coverage, there are a number of optional coverages available, such as:

• Collision coverage: This coverage pays for damage to your car if you're in an accident.
• Comprehensive coverage: This coverage pays for damage to your car from non-collision events, such as theft, vandalism, or fire.
• Uninsured/underinsured motorist coverage: This coverage pays for your injuries if you're hit by a driver who doesn't have insurance or who doesn't have enough insurance.
• Personal injury protection (PIP): This coverage pays for your medical expenses and lost wages if you're injured in an accident, regardless of who is at fault.

3. How Much Does FL Auto Insurance Cost?

The cost of FL auto insurance varies depending on a number of factors, such as your age, driving history, and the type of car you drive. However, the average cost of auto insurance in Florida is $1,752 per year. This is higher than the national average of $1,548 per year.

There are a number of things you can do to lower your auto insurance costs, such as:

• Comparing quotes from multiple insurance companies
• Increasing your deductible
• Taking a defensive driving course
• Maintaining a good driving record

4. How to File a Claim

If you're in an accident, it's important to file a claim as soon as possible. You can file a claim by calling your insurance company or by visiting their website.

When you file a claim, you'll need to provide the following information:

• Your name, address, and phone number
• Your policy number
• The date, time, and location of the accident
• The names and contact information of the other drivers involved in the accident
• A description of the accident

Your insurance company will then investigate the claim and determine how much money you're entitled to.

5. What to Do if You're Uninsured

If you're caught driving without insurance in Florida, you could face a number of penalties, such as:

• A fine of up to $500
• Suspension of your driver's license
• Impoundment of your vehicle

If you can't afford to purchase auto insurance, there are a number of programs available to help you. You can contact your local Department of Highway Safety and Motor Vehicles (DHSMV) to learn more about these programs.

Conclusion

Auto insurance is an important part of driving in Florida. By understanding the basics of auto insurance, you can make sure that you're protected in the event of an accident.

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