Cheap Car Insurance in Miami, FL
Car insurance is our specialty here at Affordable Car Insurance Tampa. However, we also provide many other types of insurance services you can find helpful in Miami, FL. Keep reading to learn more about our insurance coverage in Florida.
What You Should Know About Minimum Auto Insurance
To operate your vehicle safely and legally in Florida, you must comply with all vehicle laws and regulations. Vehicles should be properly registered with the state of Florida. This applies to all vehicles that have four wheels or more.
It is also required that vehicles have the proper minimum auto insurance coverage. New laws also require that a vehicle has minimum coverage whether it is taken on the road or not. If you own the vehicle and it is registered in your name, you must have insurance coverage. This is necessary to ensure that the expenses incurred will be covered if the vehicle is somehow used and involved in an accident.
These rules apply to anyone residing in the state for more than 90 days. Even if you are not an official citizen of Florida, you must follow these rules for any vehicles registered in your name.
Different Types of Coverage
There are different types of coverage available to fulfill your legal obligations.
Property damage liability – It is required by law to carry this type of insurance coverage for any vehicle registered in your name. This type of coverage will pay for any damage incurred by your vehicle to other vehicles.
Personal injury protection – This is another type of policy required by law. The policy will pay for medical expenses if other people are injured because of your vehicle.
You must carry a minimum of $10,000 in property damage liability and personal injury protection to comply with Florida law.
It is estimated that 13% of US residents do not carry proper insurance coverage. This could result in legal actions being taken against you. To protect yourself and your financial security, keep proper insurance in place.
Comprehensive coverage is the third type of insurance policy you can purchase. This type of policy is highly recommended as it will cover just about any type of damage your vehicle could sustain. This means that you will be reimbursed for the damage regardless of who is at fault in an accident. This will also provide coverage if your vehicle is damaged due to a natural disaster or burglary.
Keeping cheap car insurance in place can actually save you a lot of money in the long run.