Auto Insurance in Boynton Beach and Stuart, Florida
Florida drivers must purchase at least the minimum required auto liability insurance and personal injury protection coverage to comply with state laws. Your agent may recommend buying additional auto insurance to tailor your coverage to meet your needs.
Florida is a no-fault state. Your auto coverage may help pay your medical costs if you suffer injuries in a crash. Except in cases of severe injuries, your ability to sue the at-fault driver for damages is limited by state laws.
Contact Wiglesworth-Rindom Insurance Agency in Stuart, Florida, to start building your customized insurance plan.
How Much Auto Insurance Do I Need?
Florida requires all drivers to carry the following insurance coverage:
- Property damage liability—This coverage may help pay for third-party property damage up to the policy’s limits after an at-fault accident.
- Personal injury protection (PIP)—This policy may help cover accident-related medical expenses regardless of who caused the accident.
Your agent may recommend that you purchase the following optional coverages:
- Bodily injury liability—This policy may help cover third-party bodily injury claims after an at-fault accident. While Florida doesn’t require bodily injury liability coverage, you may have to buy it if you are convicted of a serious traffic violation.
- Uninsured/underinsured motorist coverage—This policy may help cover your accident-related medical bills if the at-fault driver has too little or no coverage.
- Comprehensive and collision insurance—This policy may help pay to repair or replace your vehicle after an accident or incident. If you finance or lease your vehicle, your lienholder requires this coverage.
- Guaranteed asset protection (GAP)—This policy helps bridge the financial “gap” between the total payoff amount on your lease or loan and the insurer’s settlement if your vehicle is a total loss after a covered accident.
When Should I Add My Teen Driver to My Policy?
Your teen’s auto insurance coverage must meet Florida’s minimum liability limits, and driving without proper auto insurance coverage is illegal in Florida. Talk with your agent to determine whether it makes sense to add your teen driver to your policy or purchase a separate auto insurance policy.
Your agent may recommend purchasing more than the minimum required liability insurance since you may be held legally liable for any costs exceeding the liability policy’s limits.
Which Insurance Is Best?
Your agent can help you determine which coverage and insurance company will most likely meet your future needs while allowing you to remain in compliance with Florida laws. Contact Wiglesworth-Rindom Insurance Agency to get personalized car insurance quotes.