When it comes to car insurance, there is no one-size-fits-all. To own and drive a car in Florida, you must have personal injury protection and property damage liability for $10,000 each. Car insurance in St Augustine, Fl, requires minimum coverage, but that is just the beginning. If you are in a car accident, whether you are at fault or not, you may have to pay for the other driver’s property damage and injury. This could be a huge amount, depending on the extent of the injury – if death occurred and if others inside the car were hurt. To avoid being ruined financially, having car insurance in St Augustine, Fl, that covers all contingencies is your best protection.
Car insurance covers several main areas. It will pay for property damage to your vehicle. This also covers theft. It will cover your legal responsibility to others if they are hurt or their vehicle was damaged. This could include long-term medical care that would be prohibitively expensive.
There are some insurance policies that are not required by Florida law. However, they will protect you for whatever type of injury or property damage you face. These are:
- Bodily injury liability – if the accident was your fault, it will help pay the expenses in the event there was injury or death of the other driver or pedestrian.
- Uninsured motorist – will help cover your medical expenses in an accident where the other driver is at fault and doesn’t have any or enough insurance to cover your medical bills.
- Collision – will help pay for repairs to your damaged vehicle or replace it.
- Comprehensive – will help pay if your car is stolen or damaged by a falling branch, vandalism or other unexpected peril.
Whether your vehicle is an automobile, motorcycle, truck, RV, golf cart or motor home, it should be fully covered by car insurance in St Augustine, Fl, to protect you from huge payouts in the event of an accident.