No matter if you’re driving your family to visit Disney World or driving to the store you’re required to have Florida auto insurance covering your vehicle.
The state of Florida requires by law that minimum coverage’s are in place, in order for a vehicle to be operated legally.
Florida Law requires that the owner of automobiles secure Florida Automobile Insurance for all automobiles owned. The minimum required by law is 10/20/10. $10,000 for each person injured, $20,000 for claims of all persons injured and $10,000 for all property damage in one accident.
Those who don’t carry insurance and are involved in an accident with injuries and/or property damage will face stiff penalties. The operator of the vehicle involved in the accident would lose their driver’s license and the owner of the vehicle would lose the registration of ALL Vehicles owned until all legal claims of the injured party are satisfied and proof of coverage for future accidents is provided.
Protecting yourself and the passengers in your vehicle is important; however, it’s also important to protect yourself from underinsured or uninsured motorists.
American Insurance Agency has a wide range of auto insurance coverage options designed to meet the specific needs of our clients with either a Personal Auto Policy or a Business Auto Policy or both. You don’t have to sacrifice quality coverage for cost, as we offer some of the best rates in Florida. Our experienced agents are available to ensure your policy is customized to meet your needs and at a rate that meets your budget.
The most common Florida auto insurance coverage we offer are bodily injury liability (BI), property damage liability (PD) , collision, comprehensive, medical payment, personal injury protection (PIP), and uninsured which covers underinsured drivers also.
Florida is a NO-FAULT state and the owner of the automobile is required by law to have Personal Injury Protection or PIP coverage which provides up to $10,000 of protection for the owner and those riding in the automobile. PIP coverage is required to register an automobile but DOES NOT satisfy the requirements of the Florida Financial Responsibility Law, the 10/20/10 coverage.
Property Damage Liability or PD covers the damages for which you or a covered driver of your vehicle is legally liable for someone else’s property due to an auto accident. Personal Injury Protection or PIP is often called Florida No Fault Insurance. It covers YOU in the event of an accident, no matter which driver is at fault, to the limit of your policy. It will also cover others in your household, such as children who do not own a vehicle or PIP insurance. For those who are injured while in your vehicle and who have PIP coverage, their PIP will cover their injuries.
At American Insurance Agency, we will offer many discounts, to help save you money. Our agents will provide you with the assurance that you’re getting the best rate possible, and we’re happy to answer any questions you may have. Having a knowledgeable auto insurance agent is a big benefit and much more support than just having a computer in your corner! Call American Insurance Agency today, to learn more about our available Florida auto insurance coverage, and our commitment to our clients’ satisfaction.