Once you have a license in hand, you have nothing to think about other than hitting the road. However, before starting to cruise the Miami Lakes, FL streets, you need to establish whether you have the right auto insurance. Otherwise, your ride can turn into a nightmare when involved in an accident. How well do you know Florida car insurance? Whether you have zero or little knowledge of auto insurance, Jet Stream Insurance Group LLC is here to share insights on car insurance to help you understand this coverage better.
Car insurance is mandatory in Florida.
While driving your car on public roads, the Sunshine State requires you to carry valid auto insurance. If you drive without auto insurance, your driver’s license and car plates can be suspended for up to three years, and you will need to pay $500 to have them reinstated.
Here are the state-required auto insurance coverages
According to the laws of Florida, drivers are required to have the below minimum coverages in their auto insurance:
- Personal injury protection (PIP) coverage: This coverage pays for your medical expenses and partial loss of income regardless of who was at fault for the accident.
- Property damage liability: This coverage pays for damage costs you cause to other people’s property.
While the minimum required amount is $10,000 for each of the above coverages, you should raise this amount for optimal coverage.
Florida is a no-fault state.
In America, 12 states have no-fault insurance laws, and Florida is one of them. Here it means that drivers are required to get coverage for their own injuries and property damages. What it means is that regardless of who was at fault for the accident, everyone is required to claim for damages and injuries from their insurance.
There are other auto insurance coverages.
While it’s essential to consider the state-required auto insurance minimums, you need to consider other options for all-around protection. These include:
- Comprehensive coverage
- Collision coverage
- Underinsured/uninsured motorist coverage
- Umbrella insurance
- Roadside assistance
If you search for auto insurance in Miami Lakes, FL, you can’t go wrong with Jet Stream Insurance Group LLC. Contact us today for an affordable quote.