As a Florida resident / driver you’re probably already familiar with the state’s policy which requires people to purchase Florida auto insurance. The minimum coverage amounts of course are $10,000 of protection for property damage and another for personal injury. These are technically considered to be liability protection measures, not really something that helps you recoup anything in the event of an accident. Its purpose is to help pay for the damage you might cause, whatever that might be. At the same time, there are no-fault laws in place which have been put in place to prevent people from essentially scamming the system with tons of personal injury claims, thus freeing the average person from all types of reckless lawsuits. But the real question is what if you want to purchase some additional coverage? How would that work, anyway?
Additional bodily injury coverage
It might be a good idea to purchase some additional bodily injury coverage, for a few reasons. First off, it can provide a nice buffer should anyone try to sue you, with your insurance company assuming the costs associated with your lawyer(s). Secondly, it can help deal with any potential hospital costs that might arise should you be required to pay for another’s costs.
No one expects to be in a terrible or even fatal car crash / accident, but clearly they happen all the time. Having additional coverage means that you will have far fewer worries to deal with when / if something should happen down the road (no pun intended). Naturally, you will need to personally investigate just how much coverage you might ultimately need, making sure to place the policy limits high enough to deal with whatever costs might accumulate. For instance, if you live in a very well to do neighborhood, with lots of wealthy neighbors, expensive homes and cars, having extra coverage is probably a good idea just in case you or a family member causes an accident near your home. According to national statistics, most wrecks generally occur within 2.5 miles from where a person lives (just some “food for thought” there).
Ok, so who offers especially good liability coverage?
As with any other type of policy or addition you can purchase, it is easy to visit FloridaInsuranceQuotes.net for the best deal. Sure, you could even choose the most respected / trusted company out there but if they offer a nearly identical policy as another company (perhaps a start up), why pay more? Note* – one might also want to consider adding collision and / or comprehensive coverage too, especially if they themselves own and regularly drive a particularly expensive model of car. A comprehensive policy will cover pretty much all your needs relating to non-accident-based incidents, while collision is devoted to helping you recoup losses sustained from collision damage and so forth.