Car insurance is a tool that protects us from any unforeseen events that may occur, with which we can take care of our investment. In the state of Florida, two types of minimum required coverages are mandated. These were created with the objective that anyone who drives is protected after an accident.
In Florida, there are different types of extra coverages we can purchase to increase the protection for our car and our families.
At Dulcinea Insurance, we know how confusing buying an Car insurance. Not knowing what coverage to choose or what the appropriate price is, that's why we do the work for you.
We conduct a personalized study and offer you the policies that best suit your needs. Call us at 786-910-9487 and one of our agents will clarify any doubts for you.
Florida's minimum auto insurance requirements are: * **$10,000 in Property Damage Liability (PDL):** This covers damage to another person's vehicle or property in an accident where you are at fault. * **$10,000 in Personal Injury Protection (PIP):** This is also known as "no-fault" insurance and covers medical expenses, lost wages, and other related expenses for you and your passengers, regardless of who caused the accident.
In the state of Florida, there are two types of minimum coverages required by law for drivers that we must have. If we don't, we could face serious consequences like losing our license. The two coverages we must always have are:
- Financial liability coverage: They are created with the objective of protecting drivers against the most common damages they may sustain in a car accident. The minimum limits we must have on these policies are $10,000 USD per person and $20,000 USD for property damage. In the event that we are penalized for driving under the influence, we must have a minimum of $100,000 USD for bodily injury and $300,000 USD for property damage.
- No-fault coverage This coverage is required for drivers registering a vehicle in Florida. The minimum limits for these policies are $10,000 for bodily injury and $10,000 for third-party property damage. They are created to financially cover accident damages regardless of who was at fault.
Why should we have proof of insurance at all times?
Having the policy certificate is necessary because if a police officer asks us to prove that we have the minimum required coverage, we must show them the certificate. Otherwise, we could be fined. For this reason, you should always have with you the certificate that proves you have the minimum required coverage, which must contain the following information:
- Company Name.
- Policy effective date.
- Policy number.
- Company location where we acquired the insurance.
How to obtain the minimum coverage required by the state of Florida?
At Dulcinea Insurance, we have the best tools to find the policies that best suit your needs and budget quickly and easily.
Call us at 786-910-9487 And one of our agents will give you free advice to clear up any doubts. In addition to helping you acquire these types of policies.
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