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Auto Insurance -Basic Requirements For Automotive Insurance Coverage

American Government Special Collections Reference Desk

Auto Insurance -Basic Requirements For Automotive Insurance Coverage

Jay Leo
21 November 2009


If you have any type of vehicle, you know the necessity of having an automotive insurance policy. This insurance helps to protect you and covers damages that have happened when you have been involved in a car accident.

You can even attain a no-fault auto insurance policy which makes it easier to handle the process of an accident, since disputing who was at fault is not necessary. Knowing the requirements of what type of coverage you have to have in order to be legal on the road is important.

Normally, you will have to have a minimum of $10,000 in car insurance to ensure you keep your driver's license valid. Below I have outlined some of the basic requirements you need to have if you reside in Florida.

Keep in mind that insurance requirements can vary depending on state, but this can give you a good idea of the types of requirements you will be entitled to carry. When you cause injury or death to someone in a car accident, you must have a minimum of $10,000 in bodily injury liability coverage per person on your policy.

A minimum of $10,000 in liability coverage for property is required in case you cause damage to another's vehicle in an accident. Keep in mind that a maximum amount of $20,000 in bodily injury liability coverage on all involved is the highest that any insurance company will provide to you. This covers anyone who has sustained injury or death due to the accident. To make sure you are protected completely when driving in Florida, the following is coverage that you should make sure is included in your policy.

-Personal Injury Protection: When you are involved in a car accident, Personal Injury Protection will assist on covering the medical bills for yourself and others in your car. It can also help to cover your family's medical expenses if you become injured by someone else's vehicle while walking or driving.

-Collision Coverage: This coverage assists in paying repair amounts that have been incurred in an accident no matter who is at fault.

-Comprehensive Coverage: This coverage assists in protecting you from fire, theft, burglary, or natural disasters. It will pay for damages that have happened to your vehicle.

Understanding the different types of auto insurance coverages allows a consumer to pick,choose,and compromise on which coverages and deductibles they will get with there new auto insurance policy.


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