Auto Insurance Protects You and Your Vehicle After the Unexpected
To drive safely and legally in Florida, you must obtain auto insurance coverage. At FA Insurance Services Corp., we make it easy for you to choose the right policy for your needs at an affordable rate. We have more than 10 years of experience helping residents in Cutler Bay, Doral and Homestead, FL, protect their cars, SUVs, vans and motorcycles. Our certified agents can help you find a policy to cover your family while you drive at a monthly premium you can afford. Contact FA Insurance Services Corp. today for a free quote and peace of mind.
State-Required Auto Insurance Policy
In Florida, you are required to maintain personal injury protection and property damage liability to lawfully operate a vehicle. If you are caught driving without a policy that meets the minimum $10,000 coverage requirement for each, you face serious fines and license suspension. Additionally, you could owe thousands of dollars in medical fees, legal fees and the costs to restore other people’s property if you do not have insurance.
Personal Injury Protection
In Florida, you are required to maintain $10,000 personal injury protection coverage to legally own and operate your vehicle. Personal injury protection is also known as no fault insurance because it covers you up to your limits when you are injured in an accident, regardless of who is responsible for causing the accident. It also covers other people in your car who do not own a vehicle themselves, including children. Most of our clients choose to maintain higher limits than the state minimum for auto insurance to ensure full coverage in a serious accident. An agent at FA Insurance Services Corp. will help you explore different coverage limit options and premiums.
Property Damage Liability
You are also required to maintain $10,000 of property damage liability auto insurance. This type of insurance pays for damage you cause to another person’s property in an accident for which you are at fault. This damage can include damage to another vehicle or other property, such as a home or bicycle. Without adequate property damage liability coverage, you could be found responsible for thousands of dollars of damage to property.
Additional Auto Insurance Coverage
While not legally required in Cutler Bay, Doral, Homestead or elsewhere in Florida, additional insurance coverage is a smart idea for many clients. Bodily injury liability, comprehensive coverage and collision coverage provide extra protection when the unexpected occurs.
Bodily Injury Liability
Although not required in Florida, bodily injury liability insurance is an important part of many of our clients’ auto insurance policies. This type of coverage pays out if an accident for which you are responsible leads to permanent injury or death of another person. It also covers the costs of your legal fees if you are sued and require representation. Bodily injury liability covers you while you are driving your car and protects you if you drive another vehicle and cause an accident.
Collision coverage helps pay for damage to your vehicle caused in a collision, caused by you or another. This type of coverage is usually compulsory if you are making payments on your vehicle or leasing it. Even if you fully own your car, you may opt for collision coverage to protect your investment and ensure that your car will be restored after a crash.
Comprehensive coverage pays for damage to your vehicle other than what is caused during a collision. This can include damage caused by theft, fire, natural disasters such as a tree falling on your car. Comprehensive coverage helps complete the umbrella of protection for many of our auto insurance clients.
Catering Coverage to Your Needs
Our agents have helped clients in Cutler Bay, Doral and Homestead find the best coverage for their needs for more than a decade. We are passionate about keeping our clients covered at affordable rates. Contact FA Insurance Services Corp. today for a free auto insurance quote in Cutler Bay, Doral or Homestead, FL.