It's hard to get around in most places in Florida without a car, and when you drive you need to carry insurance. At The Nicholas Group, we help our clients compare different policies to find the one that fits their needs.
Required Insurance Limits
You need to find a policy that meets at least the minimal limits. In Florida, you will only need to be required to prove that you have at least $10,000 in protection for bodily injury and $10,000 for property damage.
The State of Florida does not require drivers to carry some kinds of coverage that other states do, like uninsured motorist protection. However, if you are still paying for your car, your lender may have extra requirements. Another thing to consider is that even if you are not required to purchase more protection that protection could make a big difference if you were involved in an accident and had to pay for the damages out of your own pocket.
There are many kinds of coverage you can add to protect yourself in the event of an accident. If you add collision coverage, it will help to pay for your own car if it is damaged by another vehicle or object. Comprehensive coverage gives you an even wider range of protection, as you will be covered in the event of an accident, vandalism, fire or another kind of unforeseen accident.
You can get coverage that protects you against uninsured or underinsured motorists, and you can even get rental car reimbursement so that you will have something to drive while your car is being repaired. If you drive the Florida roads, call The Nicholas Group so you can find an insurance policy that gives you the level of protection you need.