Why you need to purchase extra coverages in your auto insurance policy
All Florida drivers must have personal injury protection and property damage liability to drive freely on public roads. These benefits extend to your family members unless they have their own auto insurance, but are these coverages really enough? Of course, they’re not if you know the importance of protecting yourself on Orange Park, FL roads. So, which other policies should you buy to add more protection? At First Florida Underwriters Inc, we recommend understanding your insurance needs to determine which coverages are essential.
You can be sued
Always keep in mind that you can be sued anytime when you or a member of your family causes an accident. Lawsuits can be messy and expensive at the same time. Coverages like bodily injury liability and property damage liability can be lifesavers if you have more than enough. Remember, you cannot really tell how extensive an injury can get.
What about accidents that can happen when you’re not driving?
If you think about it, your car remains parked most of the time, either at work or at home. That doesn’t always mean that nothing will happen to it. It can be stolen, vandalized, or hit by a tree. Sometimes, it’s the scorching sun that can damage your windshield, side windows, and glass sunroof. Collision and comprehensive coverage protect your car when parking.
Auto insurance is a family insurance
When you buy your auto insurance policy in Orange Park, FL, you’re also buying for your family. The last thing you want is to get into an accident with your family, and your auto insurance is not enough to pay for their medical bills.
Need to learn more about coverages to add to your policy? First Florida Underwriters Inc can help you choose extra coverages depending on your style, budget, and needs. Call us today!