Florida, like other states, mandates that every vehicle in Florida must be covered by an auto insurance policy that meets or exceeds the minimum required amounts set forth by the state. If you don’t have coverage on your vehicle, you need auto insurance in order to drive legally. For more information about auto insurance, call us now at Morgan Insurance Services in Tampa, FL.
Personal Injury Protection
Before you can register your vehicle in Florida, there must be two types of insurance on it. One of these is personal injury protection, as Florida is a no-fault state. This kind of coverage provides money for needed medical expenses that result from the accident. And, it doesn’t matter who caused the accident. Whether you caused it or not, your personal injury protection coverage will pay 80% of your medical bills up to their maximum payout. However, it is a low amount that is required. It’s generally recommended that you get a higher amount of coverage in case of a serious accident.
Property Damage Liability
If you were to be in an accident that you caused, you may be liable for the repair bills to the other vehicle. Paying for this alone can be difficult, especially if the other vehicle was an expensive one. With your property damage liability, these bills get paid up until their payout maximum. As with personal injury protection, it’s a good idea to get a higher amount of property damage liability coverage than is required.
Get Auto Insurance Now
If you don’t have at least the minimum auto insurance required by the state, you are in danger of a number of fines and fees. To get an auto policy of your own, give us a call right away at Morgan Insurance Services in Tampa, FL to find out more.