Article provided by: Quote Savage
State governments regulate car insurance requirements in the United States. Local laws stipulate which covers are mandatory and set the minimum coverage amounts.
After six years of serving in Florida, Quote Savage has familiarized with the state's auto insurance requirements. We have written more than 2000 policies in that period, and we can help you find quality, cheap car insurance in Bradenton.
Florida Auto Insurance Regulations
In Florida, two types of car insurance are mandatory before you can register a vehicle with at least four wheels.
- Property Damage Liability (PDL)
PDL insurance covers damages caused by your car to another person’s property. Property damage liability does not cover damages to your vehicle in the event of an accident. Car owners in Florida are required to have a minimum of $10,000 in PDL.
- Personal Injury Protection (PIP)
PIP covers medical costs for injuries sustained during an accident involving your car. Florida offers no-fault insurance, which means that PIP covers all individuals who qualify, regardless of who caused the accident.
Personal injury protection covers you and all passengers in your car at the time of the accident, even those without PIP. With PIP, you also receive payments if you’re injured in another person’s car. The minimum limit for PIP is $10,000
Why Is Car Insurance Mandatory?
The type of auto insurance that’s mandatory in 49 out of 50 states in the U.S. is liability coverage. Liability coverage is meant to protect other people and their property from accidents caused by drivers.
It’s mandatory because most drivers may not be able to personally pay deserved compensation to victims after an accident. With mandatory insurance, medical bills, and damages to property are all covered.
In New Hampshire where auto insurance is not a must, a driver is required to provide proof that they can afford to take full financial responsibility in case of an accident.
Policies that protect your car, such as collision covers are not mandatory, but they're highly recommended. Such a policy will cover any repairs or replacement for your vehicle after an accident.
Why are Car Insurance Policies in Florida Expensive?
Auto insurance premiums in Florida are relatively more expensive compared to other states. That is mostly because there are many uninsured drivers and extreme weather conditions.
With the right assistance, however, you can find the best prices for auto insurance in Florida. Quote Savage works with residents in Bradenton, Tampa, Sarasota, St. Petersburg and Clearwater in Florida. Hence, we are conversant with the needs of each of these areas, and our job is to find the most comprehensive auto covers for our clients.
Go Local, Go Big
Local insurance agents such as Quote Savage understand the needs of your locality better than large, multinational companies who may operate remotely. As such, local agents are better placed to guide you through the entire policy application process to ensure you only end up with what suits you best. Get in touch with us today on (727) 900-5888 for cheap car insurance in Bradenton.Cheap car insurance Bradenton
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