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Orange Park FL 32073

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First Florida Underwriters Insurance blog

Required Auto Insurance in Florida

Every driver in Florida must carry auto insurance as well as proof that you have it. If you need auto insurance, or you want to make a switch in the carrier, call us at First Florida Underwriters Inc in Orange Park, FL. 

Injury Coverage

There are two types of injury protection that Florida drivers have to have to be legal. The first is bodily injury coverage. This must have a specific minimum for each person injured in an accident as well as a specific minimum for the entire accident. Personal injury protection is another mandatory minimum that is kept in case you are injured in an accident. 

Property Damage and Uninsured Motorist

The other two types of required auto insurance in the state are property damage coverage and uninsured motorist coverage. Each of these insurance types has a required minimum that your policy must include. The property damage coverage often means damage done to another vehicle, but this can also include damage done to a building or other structure. A specific coverage amount of uninsured motorist covers you in case you are in an accident with an uninsured motorist who is at fault for the accident. 

Boosting Your Coverage

While all of these required minimums are all you need to stay legal, they offer relatively little in the way of financial protection. With spiraling medical costs, many drivers choose to have maximum payouts that are much higher than the required minimum. This is often a better way to protect your assets and your future. 

Call Us

If you want to discuss your auto insurance and how much you may need, call us at First Florida Underwriters Inc in Orange Park, FL for an appointment. We can help you get the coverage you both want and need.