Auto Insurance in Florida

Auto Insurance Requirements in Florida

Drivers need to have auto insurance coverage that meets at least the minimum state liability requirements to drive legally. To ensure that Winter Springs, FL drivers can always receive medical attention and financial protection, they must have an auto insurance policy. The state also asks insurers to cover them regardless of the fault in a crash, which is known as the Florida No-Fault Law.

The minimum auto insurance requirements come in two types. The first one is the No-Fault law where a driver who satisfies that law is allowed to drive legally. The second law deals with a driver that causes an accident that results in any degree of bodily injury to a second party or a case where the driver is under the influence of drugs or alcohol. At Karla Salmon Insurance Agency, we understand the drivers' needs and provide them with the necessary auto insurance policies that fit their lifestyle.

The requirements for a basic auto insurance policy

To meet the No-Fault Law, drivers have to purchase a basic policy from a licensed insurer. The two requirements are:

Property damage liability

This coverage will pay the second party for the property loss or injury if you are found at-fault for the accident. However, if your vehicle or property is damaged in an accident that you are not liable for, you will be paid for the costs by the insurance company of whoever caused the crash.

Personal injury protection (PIP)

It covers the medical expenses regardless of who was at-fault. This coverage can extend to your family members if you decide to include them but if a family member has his/her own auto insurance, they will be excluded from the coverage. If you are not working or have retired, you can decide to do away with the lost income benefit under this coverage.

If you need auto insurance, come to Karla Salmon Insurance Agency in Winter Springs, FL. We are experts on matters regarding insurance policies, and we can help you decide which policy suits your needs best. You can also find a quote online through our rating tool while shopping for auto or home insurance. We are here to ensure that you get an insurance policy that makes you happy. Visit us today for assistance or questions.