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Sunday, May 20, 2007
Get a Low Cost Auto Insurance Quote in Florida
Looking for a low cost auto insurance quotes in Florida? Here's how to find the best quotes with the best companies.
Florida Auto Insurance Requirements
If you own a car in the state of Florida you are required to carry auto insurance, even if your car is inoperative. The minimum amount of insurance is:
1. $10,000 Personal Injury Protection - this coverage pays for expenses due to injuries regardless of who was at fault. PIP coverage applies to you, relatives who live in your home, passengers in your car, and anyone who drives your car. You are also covered if you're hit by a car while walking or riding a bicycle.
2. $10,000 Property Damage Liability - this coverage pays for damages you or your family cause to other people in a car crash.
If you were involved in a prior auto accident you may be required to carry Bodily Injury Liability coverage in addition to the above coverages. This coverage pays for expenses due to injury or death to others when you, or family members living with you, cause an auto accident. It also pays for legal expenses if you're sued by the injured party.
Additional Coverage
In addition to the required auto insurance coverage you may want to get the following coverages:
* Collision coverage - pays for damages to your car by another car or an object, regardless of who was at fault.
* Comprehensive coverage - pays for damage done to your car by vandalism, theft, fire, hail, and causes other than a collision.
* Uninsured/Underinsured coverage - pays for medical expenses and property damage costs for you, your family, and your passengers when caused by an uninsured, underinsured, or hit-and-run driver.
Florida Auto Insurance Requirements
If you own a car in the state of Florida you are required to carry auto insurance, even if your car is inoperative. The minimum amount of insurance is:
1. $10,000 Personal Injury Protection - this coverage pays for expenses due to injuries regardless of who was at fault. PIP coverage applies to you, relatives who live in your home, passengers in your car, and anyone who drives your car. You are also covered if you're hit by a car while walking or riding a bicycle.
2. $10,000 Property Damage Liability - this coverage pays for damages you or your family cause to other people in a car crash.
If you were involved in a prior auto accident you may be required to carry Bodily Injury Liability coverage in addition to the above coverages. This coverage pays for expenses due to injury or death to others when you, or family members living with you, cause an auto accident. It also pays for legal expenses if you're sued by the injured party.
Additional Coverage
In addition to the required auto insurance coverage you may want to get the following coverages:
* Collision coverage - pays for damages to your car by another car or an object, regardless of who was at fault.
* Comprehensive coverage - pays for damage done to your car by vandalism, theft, fire, hail, and causes other than a collision.
* Uninsured/Underinsured coverage - pays for medical expenses and property damage costs for you, your family, and your passengers when caused by an uninsured, underinsured, or hit-and-run driver.
# posted by gopi @ 9:12 PM 
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