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Florida Auto Insurance State Reviewed


Like most states, Florida auto insurance policy requires that motorists carry an auto insurance policy. Maintaining coverage is important not only to comply with laws however. Insurance coverage will protect a policyholder financially in the event of an accident in many ways. Liability insurance will pay others on behalf of an insured that causes injury or damage, medical payments coverage will pay for medical care for those injured in an accident, and physical damage coverage will pay to repair or replace the insured car. For more information and to get free auto quotes, visit

Liability Insurance
When an insured person causes an accident, the liability section of the policy will pay to compensate other people who had property damaged or who were injured. Policyholders can choose the limit for this section of the policy and it is important to purchase as much as possible to protect assets.

Many states require a minimum limit of liability for this section of coverage. In Florida, there is a requirement to carry at least $10,000 in property damage liability coverage. Bodily injury liability coverage is a separate section of the policy, and careful consideration should be made to select an adequate amount of coverage that section as well.

Medical Payments
Often referred to as Personal Injury Protection or PIP, this coverage is designed to pay for medical bills for those people injured in a car when it is involved in an accident. This coverage will pay benefits regardless of whose fault the accident is, and is therefore often called no-fault insurance.

This coverage is also mandated by most states and in Florida; motorists are required to carry at least $10,000 in personal injury protection coverage.

Physical Damage
This section of an auto policy pays the owner of the insured car to repair or replace it. This section of coverage is not normally mandated by any laws, but if a driver has a loan on their vehicle, or if they drive a leased vehicle, the lender or lease company will require that they carry physical damage coverage.

There are two sections to this coverage. The first is known as comprehensive coverage, and is designed to pay for damage to a car that does not involve an accident, or collision with another car or an object. Instead, this coverage will pay for things like hail damage, theft or damage by fire.

Collision coverage is the next section of physical damage coverage and it pays for damaged caused by an accident or collision. It will pay to repair the car unless the repairs exceed 80% of the value of the car. If the repairs are too costly, the insurance company will declare the care a total loss, and will pay only the market value of the car.

The physical damage section of the policy contains a deductible provision, which states that the policyholder must pay a portion of any losses as well. The amount of the deductible is selected by a policyholder and choosing a higher deductible will result in a lower premium.

Finding affordable auto insurance in Florida can be conducted easily by finding a broker that represents several different automobile insurance companies, and who can quickly compare quotes from several competitive companies and provide many options for motorists. Please visit the auto insurance BLOG for more information,, news and more.


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