| A question you might ask yourself is: why must | | | | Uninsured motorist is another coverage you may |
| we carry auto insurance? Hopefully one answer | | | | want to consider. Uninsured motorist covers you |
| you should hear is to protect yourself and your | | | | if the other party was at fault and you were |
| car. For those same reasons the government also | | | | injured (exceeding your personal injury coverage) |
| requires you to have car insurance. | | | | and they did not have bodily injury coverage. You |
| The state of Florida requires you to carry at least | | | | may use this coverage to cover the difference of |
| the minimum requirements, which is property | | | | your injuries. |
| damage at ten thousand dollars and personal | | | | Where does you car fit for injury theft and |
| injury protection at ten thousand dollars. Property | | | | collision? What about your dream car? Take a |
| damage covers another person's vehicle if you | | | | look at this run down based on 2000-2002 HLDI |
| are at fault in an accident. Personal injury | | | | data: |
| protection covers 80 percent of medical | | | | There are two more very important types of |
| expenses and 60 percent of loss wages as well | | | | coverage that you might want to explore they |
| as up to a five thousand dollar death benefit for | | | | are: comprehensive and collision. |
| you and your relatives (that reside with you), | | | | Comprehensive coverage would cover your |
| minus the deductible if it applies. This coverage | | | | vehicle in the event of fire, theft, vandalism, hail |
| would protect you in case there is any damage to | | | | storm damage or any natural causes minus the |
| other vehicles and gives you medical coverage for | | | | deductible you agreed upon when purchasing your |
| yourself. | | | | insurance. |
| There are many different types of auto insurance | | | | Collision coverage would cover physical damage to |
| coverage to choose from, depending on what | | | | your vehicle, if you were at fault in the accident, |
| you want covered and what you can afford. | | | | minus the deductible. The insurance company |
| Where should you get started? | | | | would pay the actual cash value of your vehicle. If |
| First you should ask yourself if you have enough | | | | your vehicle is financed comprehensive and |
| coverage in case of an incident occurring. Besides | | | | collision coverage are possibly are required by |
| the minimum requirement coverage previously | | | | your lending institution. |
| mentioned, there is another type of coverage | | | | Extra medical payment coverage can also be |
| that is very important, bodily injury. | | | | provided if you are interested and the list goes |
| Bodily injury coverage is not required by the state | | | | on. All types of coverage are important but the |
| of Florida until you get into an auto accident. This | | | | reality of it is, what we can afford? Keep in mind |
| would cover you if you were at fault in an | | | | your life and your family is very important so |
| accident and the person in the other vehicle | | | | having insurance should be one of your main |
| suffered injuries exceeding their personal injury | | | | priorities. |
| coverage. If you did not have this coverage the | | | | With the web easily accessible you have a vast |
| other party has the right to sue and the state | | | | amount of knowledge at your fingertips to help |
| may place a financial responsibility on your motor | | | | you choose the best coverage for you and your |
| vehicle report, which you would have to carry for | | | | lifestyle. Life is too short, get good advice and get |
| 3 years. That financial responsibility is called an | | | | the right insurance coverage for you and your |
| SR22. | | | | family. |