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Auto Insurance
Auto insurance is required by law in Florida, but the right coverage does more than keep you legal—it protects your finances and your future. Learn why liability, collision, and comprehensive coverage matter.
Whether you own your vehicle or finance it, auto insurance is not optional—it’s the law. Driving on public roads in Florida requires at least liability coverage. Without proof of insurance, a routine traffic stop can lead to fines, license suspension, or even jail time.
But compliance is just the starting point. The right auto insurance policy protects you from financial devastation if you cause an accident. Liability coverage pays for damage to other people’s property and injuries for which you are at fault. It does not, however, cover damage to your own vehicle.
That’s where collision and comprehensive coverage come in.
- Collision coverage pays to repair or replace your vehicle after an accident, regardless of fault.
- Comprehensive coverage protects against non-collision events like theft, vandalism, fire, falling objects, or hitting an animal.
After an accident, you file a claim with your insurance company. They investigate the details, determine liability, and issue payment based on your policy limits. You may be responsible for a deductible before coverage applies.
Car insurance is your financial safety net. The more coverage you can afford, the better protected you’ll be.
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Benefits
Having liability car insurance helps you avoid financially disastrous out-of-pocket payments for an accident you cause. And when you also have collision and comprehensive coverage, another plus is the valuable protection it provides you for damages to your vehicle.
Coverage
Liability is important coverage to have. That’s because liability is the least amount of coverage you can have and legally drive a vehicle. Liability provides payments for the damage that you cause to other property, and for any injuries for which you are at fault. If you choose, you can add collision coverage that pays for damage to your own vehicle as a result of a crash for which another driver’s insurance will not cover. Then there is comprehensive coverage, which pays for damage to your car that is the result of anything other than a crash. You can also speak to your insurance agent about additional forms of coverage.
Details
Following an accident in which you’re involved, you’ll have to contact your insurance company. The details of the accident will be investigated, and the insurance company will determine your liability and compensate accordingly. You might have to pay a deductible, and after the insurance does its part, you might have an expense.
