Car Insurance Florida

Liability protection is for accidents with another driver when you're at fault. Property liability pays for damage to his car or other property. And bodily liability will cover his medical treatment for any injuries he sustains. The state minimums for liability car insurance in Florida are too low. To have reasonable protection, you need at least $50,000 of property coverage and a minimum bodily coverage of $100,000 per person

Another part of a policy for car insurance in Florida covers your medical expenses when you're injured in an accident. If you already have some form of health insurance, it probably provides similar protection and you may want to only carry the Florida required minimum. This coverage does also pay for your passengers' medical bills, so even if it duplicates your coverage, it's not a wasted expense.

Uninsured or underinsured car insurance in Florida isn't required, but it's a good idea to have it. If you're in an accident with another driver who's at fault, it will cover bills that the other driver's insurance won't. A recommended amount is at least $50,000.

The part of a policy for car insurance in Florida that's the most flexible, is for collision and comprehensive coverage. This protection pays to repair or replace your car both in an accident or from other causes. To save money, you should get at least a $500 deductible. And if your car is old and not worth more than a few thousand dollars, you should consider eliminating this coverage.