Auto Insurance
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Auto Insurance Information
Auto Insurance in Hudson, FL
Florida is one of America’s most populated states, not to mention one of its largest in land area. As a result, the state’s significant infrastructure system must support millions of drivers every day. Every vehicle operator therefore has a responsibility to look out for their own safety and the safety of others behind the wheel.
Though your security on the road is related to your own ability to be a safe driver, there are a lot of potential hazards out there that you just don’t have control over. That's why even though you don’t want to have an accident, sometimes you can’t prevent it. However, it you have quality auto insurance in place, you will be able to respond to any problem without a massive monetary loss.
For help getting auto insurance that meets all state requirements, supplies exceptional coverage and does not break your budget, you can rely on the help of the committed team at States Insurance Agency. Call us at 727-863-8818 or request your quote on coverage now.
Common Auto Insurance Questions
Why Is Auto Insurance Important?
No driver is a perfect driver, and vehicles are expensive and dangerous machines if they are not treated properly. There will always be a chance that you might have a wreck, face accident lawsuits or experience other vehicle damage, all of which could be very costly.
By having car insurance, you will be able to have a resource available to help you pay for the ramifications of these challenges, rather than paying out of pocket.
How Much Auto Insurance Do I Need?
Because every driver and vehicle are unique, you need auto insurance that is customized to you. While all policies vary, some of the critical coverage that your policy will generally need to have includes:
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Collision Insurance: This covers damage to your own vehicle that you sustained in a wreck.
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Comprehensive Insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.
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Medical Payments Coverage/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. It sometimes will cover other losses, like lost income.
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Uninsured/underinsured Insurance: This insures you against damage caused by someone else who doesn’t have proper liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.
There are many other benefits that you might be able to add into your policy, such as:
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Roadside assistance
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Rental car reimbursement
When Do I Need to Get Auto Insurance?
By law, all Florida drivers must carry at least the following amounts of auto insurance:
Florida is a no-fault insurance state. Regardless of whether an accident is your fault, you will have to file against your own PIP coverage for medical coverage before you can file against another driver’s bodily injury liability insurance. It is still important to carry bodily injury liability coverage because the state’s no-fault laws still allow drivers to be held at-fault for an accident in the right conditions.
How Are Auto Insurance Premiums Calculated?
Your auto insurance premium is a cost that you will have to pay throughout your time as a driver, and many risk factors like your accident record, chosen coverage limits, location and the value of your car will influence your rates.
Our team of committed agents will do everything they can to help you figure which policy benefits are best for you and figure out which insurers offer the best options to help you save on your rates.
Additional Resources:
Common Auto Insurance Mistakes
Do You Have an Expensive Car? Consider High-Value Auto Insurance
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