Auto Insurance
Though we all do our best to drive safely, accidents can and do happen. Having the right car insurance can help protect you from the unexpected on the road. More than safeguarding the investment you’ve made in your vehicle, auto insurance coverage can also help shield you from the devastating consequences of an accident. Our auto policies may help:
- Pay for medical bills after an accident
- Shield you from damages of a lawsuit
- Protect you from uninsured or underinsured motorists
- Pay for repairs as a result of theft, vandalism or natural disasters
Finding the right car insurance means staying up to date on Florida requirements. The table below lists the coverages and minimum coverage limits that are required in Florida. It’s important to remember that minimum coverage limits are just a starting point. You may want to consider increasing your coverage limits for greater protection. Our agents will help you determine the right policy for you.
COVERAGE TYPE FLORIDA REQUIREMENTS1
All coverages are subject to the coverage limits stated in your policy.
1http://www.flhsmv.gov/ddl/frfaqgen.html
2Although Florida law does not require drivers to carry this coverage, it may be required by your lender if you are leasing or financing your vehicle.
| COVERAGE TYPE | FLORIDA REQUIREMENTS |
|---|---|
Bodily Injury LiabilityHelps cover expenses related to the injury or death of another driver or a pedestrian when an accident is your fault. |
Not required |
Property Damage LiabilityHelps cover expenses related to the damage of another person’s property — like vehicles, homes, buildings and other structures — when an accident is your fault. |
$10,000 limit |
Uninsured MotoristHelps cover your medical expenses if you’re in an accident, the other driver is at fault and doesn’t have any insurance. |
Not required |
Underinsured MotoristHelps cover your medical expenses if you’re in an accident, the other driver is at fault and doesn’t have enough liability insurance. |
Grouped with uninsured motorist coverage |
Personal Injury ProtectionIf you and/or your passengers are hurt in an accident, this helps cover medical or funeral expenses. |
$10,000 limit |
CollisionHelps cover expenses to repair or replace your vehicle that’s been damaged in an accident. |
Not required |
ComprehensiveHelps cover expenses to repair or replace your vehicle that’s been stolen or damaged by things like storms or vandalism. |
Not required |
All coverages are subject to the coverage limits stated in your policy.
1http://www.flhsmv.gov/ddl/frfaqgen.html
2Although Florida law does not require drivers to carry this coverage, it may be required by your lender if you are leasing or financing your vehicle.
State chart requirements provided for informational purposes only. State minimums and required coverages vary by state and may change from time to time. Check with your state for up-to-date information or if you have questions about current state minimums.
Coverage subject to terms, conditions, and availability. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. © 2018 Allstate Insurance Company, Northbrook, IL.
Let Our Experienced Team Help You
Our team understands that choosing the right amount of auto coverage can be overwhelming, so we patiently and thoroughly walk our clients through their options. From policy types to deductible amounts, we’ll help you choose an auto insurance plan that provides the right amount of coverage for your budget. Have a motorcycle or boat? We can protect that, too. Contact an agent today to get started.