Florida Auto Insurance Coverage Solutions

What Is Personal Auto Insurance?

Personal auto insurance protects you financially when you're involved in a car accident or your vehicle is damaged. This essential coverage safeguards you against liability for injuries or property damage you cause to others, while also protecting your own vehicle from collisions, theft, vandalism, and natural disasters. In Florida, carrying auto insurance isn't just smart—it's required by law.

Why You Need Personal Auto Insurance

• Florida law requires all drivers to carry minimum liability coverage to legally operate a vehicle
• Medical bills and repair costs from accidents can quickly exceed tens of thousands without coverage
• Protects your assets if you're found at fault in an accident and face a lawsuit
• Covers damage to your vehicle from weather events, theft, or vandalism
• Provides peace of mind knowing you and your family are protected on the road

Common Coverages in Your Auto Policy

Your personal auto insurance policy includes several types of coverage. Bodily injury liability covers medical expenses and legal fees if you injure someone in an accident. Property damage liability pays for damage you cause to another person's vehicle or property. Personal injury protection, required in Florida, covers your medical expenses regardless of who caused the accident. Collision coverage pays to repair or replace your vehicle after an accident, while comprehensive coverage protects against non-collision events like theft, fire, or storm damage. Uninsured motorist coverage protects you when you're hit by a driver without insurance.

What Affects Your Auto Insurance Rate?

Several factors influence your premium, including your driving record, age, location, vehicle type, and coverage limits. Drivers with clean records typically pay less than those with accidents or violations. The type of vehicle you drive matters too—sports cars and luxury vehicles usually cost more to insure than sedans. Where you live in Florida also impacts your rate, as areas with higher accident or theft rates typically have higher premiums.

Do I Need More Than The Minimum Required Coverage?

While Florida requires minimum coverage, it's often not enough to fully protect you. The state minimums may not cover all damages in a serious accident, leaving you personally responsible for the difference. If you own your vehicle outright, comprehensive and collision coverage isn't required, but without it, you'll pay out of pocket to repair or replace your car after an accident. The experienced agents at The Gordon Agency can review your situation and recommend coverage levels that truly protect you and your assets.