The best place to go to for your Florida auto insurance quotes is online but what exactly are you paying for and what is factored into the quote that you receive? Well, two things that are by Florida state law included in your Florida auto insurance quotes is personal injury protection, otherwise known as PIP, and also property damage liability, or PDL.
When it comes to these two types of insurance coverage, in Florida there are minimum limits. This happens to be $10,000 for each type of coverage mentioned. Now, these Florida auto insurance quotes, with their minimum requirements, are luckily balanced out by the fact that Florida is able to offer some of the lowest minimums in regards to insurance coverage in the entire country.
Things To Know About Florida And Your Auto Insurance.
In Florida, car insurers will pay out all the medical costs up to and including a drivers policy limits, irrespective of who was at fault. According to https://floridainsurancequotes.net/auto-insurance/florida-auto-insurance-minimum-coverage/, this is because Florida is a no-fault state when it comes to insurance. Later on you’ll find out why this is the case and why it may affect your decision when it comes to deciding on whether you would like to acquire optional auto insurance in addition to the mandatory state insurance policies.
Now, back to your PIP insurance, and this goes far beyond just covering you the driver. It also protects your child if you have one and, in addition, if you are involved in an accident whilst you are a passenger it also covers you here. There are also other benefits not mentioned here that should be investigated fully when it comes to your PIP insurance. As for your PDL insurance, this will cover any damages you happen to cause to someone else’s property, such as their home or any buildings they own.
As well as the mandatory insurance that will come up in any Florida auto insurance quotes from here, there is also the possibility to purchase optional, extra insurance. This could be in the form of buying higher amounts of coverage of the mandatory insurance you have to buy anyway, or it could take the form of comprehensive coverage. What does this mean? Well, it means that you will also be covered for things such as vandalism (scratched paint etc.)
As well as this, there is also something called Bodily Injury Liability. Now, the major reason Florida insists on no-fault insurance is this – to ensure that Florida drivers are protected from being sued. Of course, this doesn’t completely negate the possibility of being sued, especially if serious injury or a fatality was involved.
This is where Bodily Injury Liability (BIL) car insurance comes into play. If you have Bodily Injury Liability coverage, then what this basically does is help to pay for the injuries suffered in the accident, up to the coverage limits of the policy. In addition to this, the Bodily Injury Liability coverage will also help to pay for the cost of a lawyer if you happen to be sued after an accident.