Building the Right Policy for Your Florida Auto Insurance

If you have just received your drivers license or maybe you are just reviewing your current car insurance coverage there are certain amounts of liability that you need to have for your Florida auto insurance policy. Florida requires certain levels that must be met in order to drive in this state.

You must carry bodily injury liability of at least $10, 000 for each person who may suffer injuries in a car accident in which you were involved. You must also carry $20, 000 as the maximum bodily injury coverage for medical expenses per accident. And you need property damage liability in the amount of $10, 000. Insurance agents refer to his as 10/20/10 insurance coverage.

Bodily injury liability covers the medical expenses for other people who may have been injured in a car accident where you were at fault. Personal injury protection or PIP coverage will pay for your medical expense as well as for those passengers who were in your car and may have become injured.

You might want to consider buying collision and or comprehensive coverage when you build your Florida auto insurance policy. Collision will cover the damage to your car if it has been damaged in an accident and comprehensive coverage will pay for damages to your vehicle from any other occurrence other than a car accident.

Uninsured motorist coverage and under insured motorist coverage are also options you might want to add to your Florida auto insurance policy. Both cover expenses if the other driver in an accident does not have car insurance or does not have enough to pay all of the necessary expenses.

You must carry Florida auto insurance to drive your car on the roads in Florida. You may have to face fines and or suspension of your driver's license if you do not have proof of insurance if you are stopped by a traffic officer.