How To Choose A Car Insurance Palm Bay Florida FL

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September 29, 2008 by maricar · Leave a Comment
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Reader’s Question:

I’m new to this car insurance thing and I’m totally confused of all the choices here in Palm Bay, Florida. What are the things I should know before deciding on car insurance?

Aileen

Palm Bay, FL

Choosing the right car insurance policy is not only essential to your well being as an automobile owner, it is also a social responsibility towards others as well. That’s why its very important that you know first what minimum requirements, in terms of car insurance coverage, are required in your state. You should reach the local Department of Motor Vehicles there in Palm Bay, Florida for information on what needs to be included in your car insurance policy. Also get in touch with an insurance agent so that you know you are choosing the right insurance for your state.

Try to get an insurance that has liability coverage limit of at least 100/300/20 which, in insurance terms would mean liability protection of $100,000 in bodily injury coverage per person, $300,000 per accident and $20,000 in property damages in case you are at fault in a car accident and would need to have your insurance pay for the damages caused. Also get Personal Injury Protection (PIP) so you are covered regardless as to who is at fault in an accident and the state of Florida will require you to have one as well. Medical Payments or MedPay covers medical cost for you and any passenger injured during the accident. Comprehensive and Uninsured/ Underinsured Motorist Coverage are optional and are not required by any state but is something you might still consider since it gives added protection in case the at fault party in a car accident does not have or has insufficient insurance to cover all damages insured.

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