What are the Three Primary Types of Car Insurance Coverage

We don’t know when accidents will happen. Sometimes, they happen when we least expect it. That’s why it’s always better to be safe than sorry. Primarily, a car or auto insurance is a MUST for every car owner in Southwest Florida. This protects both parties and definitely brings a lot of advantages to the car owner.

There are many types of car insurance out there. But we will discuss the top three primary types of Car Insurance Coverage in Southwest Florida.

  1. Comprehensive Coverage

Comprehensive coverage with your insurance company pays for losses from certain incidents. Many insurance policies have deductibles for this coverage, meaning you will be responsible for the initial cost of the loss up to the amount of the deductible you have chosen.

It may help pay for damage to your car due to incidents besides collisions, including vandalism, certain weather events and accidents with animals. 

Most car owners purchase this type of auto insurance because it covers a lot of benefits.

  1. Liability Coverage

Auto liability coverage is mandatory in most states. Drivers are legally required to purchase at least the minimum amount of liability coverage set by state law. Liability coverage has two components:

Bodily injury liability may help pay for costs related to another person’s injuries if you cause an accident.

How Much Bodily Injury Liability Coverage Should I Carry in Florida?

In order to protect yourself against personal liability if you cause a collision involving motor vehicle collision, it is important to consider purchasing Bodily Injury Liability Coverage. Bodily Injury Liability Coverage can be purchased in a variety of different coverage amounts, with the minimum amount being $10,000.00 for anyone’s injury claim. Depending on your need for protection from personal liability and your financial ability to purchase this coverage, it is important to consider purchasing as much Bodily Injury Liability Coverage as you are able. The more in Bodily Injury Liability Coverage that you carry, the less at risk for personal liability you will be.

  • Property damage liability may help pay for damage you cause to another person’s property while driving.

How Much Property Damage Liability Coverage Am I Required to Carry in Florida?

If you own a motor vehicle in Florida, you are required to carry a minimum of $10,000.00 in Personal Injury Protection Coverage and $10,000.00 in Property Damage Liability Coverage. There are currently no other auto insurance coverage requirements that will protect you in the event you are involved in a motor vehicle collision, however, there are a number of other coverages that you may want to consider purchasing so that you are fully insured if a motor vehicle collision occurs.

  1. Personal Injury Coverage

Personal injury protection, or PIP, is only available in some states. Like medical payments coverage, PIP may help pay for your medical expenses and loss of income resulting from a covered accident – for example, child care expenses or lost income.

There is still a lot of insurance coverage that is useful for every car owner in Florida such as Medical Payments Coverage, Towing, and Labor Insurance, Gap Insurance, Underinsured Motorist Insurance, and many more.

So, if you are looking for the best car or auto insurance in Bonita Springs, Clewiston, Fort Myers, Labelle, and Okeechobee, John Perry Insurance can help you with your car and auto insurance needs!

Get comprehensive homeowners and flood insurance policies from John Perry Insurance today. Contact us through the following numbers: 863-777-4966 (Clewiston), 239-204-3211 (Fort Myers), 863-588-7336 (Labelle), and 863-824-5393 (Okeechobee)

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