Signature Assurance Auto Insurance
The state of Florida only requires two types of coverages in order to operate a vehicle—personal injury protection and property damage liability. There are other types of insurance we can offer you that aren’t legally required, including bodily injury liability. In addition to the obvious safety reasons, you will want to make sure you have auto insurance because if you go through a time period in which you don’t, you will be considered “high risk” to insurance companies in the future, raising the cost of your future policy. You should contact us to ask about our rates for auto insurance and what we can do to meet your needs.
Personal Injury Protection
Personal injury protection is required auto insurance in the state of Florida, and drivers must carry a minimum of $10,000 insurance. Despite who is actually at fault in the accident, personal injury protection covers other household members or passengers that are not covered under another personal injury protection policy, people who drive your vehicle with your permission, and you—if you’re injured by another vehicle while walking or riding a bike.
Property Damage Liability
Property damage liability is also required in Florida. This covers you or someone driving your car with permission if you cause damage to someone else’s property. As with personal injury protection, property damage liability also requires you to carry a minimum coverage of $10,000.
Bodily Injury Liability (Recommended, not Required)
Though this type of insurance is not required, you may be interested in bodily injury liability, as it will cover the cost of serious or permanent injuries that are the result of a vehicle accident. This will increase the cost of your insurance, but you’ll be more protected. If you do not have this insurance, you will have to pay all expenses if you suffer a serious injury. If you’d like to talk through whether or not this is an option you desire, feel free to contact us.