When you are on the search for the best Florida auto insurance available you want to make sure that you aren’t just paying the perfect price for auto coverage – but that you are getting the perfect amount of coverage for the money, too.
Surprisingly, auto insurance companies aren’t often all that upfront about the things that you are covered by when you have auto coverage through them, and they sometimes omit details about your coverage options that can get you in a sticky situation. Especially if you don’t read ALL of the fine print on your auto policy documents before signing on the dotted line.
To better help you understand exactly what the best Florida auto insurance from https://floridainsurancequotes.net/florida-auto-insurance/ is going to cover, we’ve put together this quick guide.
Auto insurance covers the vehicle that is being insured
Right out of the gate, you should know that when you purchase auto insurance in Florida you are purchasing protection for that vehicle, not necessarily for yourself.
A lot of drivers are on the impression that if they have auto insurance for one vehicle they are protected for every vehicle that they slide behind the wheel of, but that may not be the case in all situations. The policy that you are paying for is designed to stay with your vehicle, giving anyone that drives it protection and coverage.
Liability is covered with all Florida auto insurance policies
Nearly every state in the US requires that a minimum amount of liability coverage is included with all auto insurance policies, and that goes for policies purchased in Florida.
Your policy will have different figures attached to it depending on the specifics of your contract, but the liability coverage that you receive will almost always be expressed in three different numbers.
For example, according to https://floridainsurancequotes.net/florida-auto-insurance/ your liability coverage may be outlined as 100/300/50. This would mean that your Florida auto insurance includes $100,000 of bodily injury per person, $300,000 of bodily injury per accident, and $50,000 worth of property damage protection per accident as well.
Your Florida insurance company will pay up to the limits that have been established on your policy, but you will be on the hook for anything over those values. This is incredibly important to understand, especially when you’re looking for the least expensive auto insurance in Florida.