In Oviedo, FL you must have minimum coverage for personal injury protection (PIP) and property damage liability (PDL) with your auto insurance. Since the state is a "no-fault" insurance state, your insurer will pay medical costs up to the policy limit, even if you caused the accident.

PIP insurance will also cover your child and members of the household, your child riding on a school bus, you as a pedestrian or cyclist, and passengers in your car who don’ have a car or their own PIP insurance. Your PIP insurance will also cover you if you are in someone else’s car during an accident. PDL only covers accidents if you cause the damage to someone else’s property.

With just the minimum coverage, only your medical bills will be covered, and insurance will pay for damage to other people’s property. If you only have the minimum coverage, your auto insurance will not cover any damages to your car, whether or not they are the result of an accident. It’s also important to note your policy limits. The minimum limit for PIP is $10,000 and for PDL is $10,000. If damages or expenses go beyond that, you are responsible.

Since auto insurance does not cover everything, you can get additional coverage through your agent at Karla Salmon Insurance. This coverage can include collision and comprehensive insurance, which can protect your car in the event of an accident or if it’s damaged by something else, such as vandalism. You may be required to purchase these protections if you are financing your car. Bodily injury liability will help protect you if you are being sued after an accident. Even with Florida being a no-fault state, it can still happen.

Contact Karla Salmon Insurance, serving Oviedo, FL, to get a quote on auto insurance to suit your coverage needs.