Car insurance policies may seem pretty similar and it can be tempting to simply choose the cheapest policy you see. However, it’s critical to examine the levels of coverage your policy includes and determine if you have too little coverage or too much.
A typical policy might include any of the following standard coverage options:
- Bodily Injury Liability If you cause an auto accident and someone else in injured, this insurance covers the injury to the person or people. It also provides for legal defense, but does not cover your car.
- Property Damage Liability If your car damages property whether it be another car, a light post, guardrail or fence, this insurance covers the damages, plus legal defense.
- Collision Coverage This optional insurance can cover damage to your vehicle caused by a collision with another car or object.
- Comprehensive Coverage Another optional insurance, this covers your car from non-collision damages like theft, flood or fire.
Florida Insurance Specialists can help you make sure you have the liability coverage, car replacement, and rental car reimbursement coverage you need.