Auto Insurance in Fort Myers, Florida
Auto insurance is mandatory coverage for drivers in the state of Florida. It serves as a safeguard, offering financial protection in case of accidents, theft or damage to your vehicle.
Whether you are shopping for a new policy or reviewing your existing coverage, the professionals at Baker Insurance Group Inc. can help you get the best coverage.
What Is Auto Insurance?
Auto insurance is a contract between you and an insurance company that can protect you against financial loss in case of an accident or theft involving your vehicle; it can also help cover instances when you cause damage to others with your car. Auto insurance typically consists of various types of coverage, each serving a specific purpose in mitigating risks associated with driving.
What Types of Coverage Are Included in Auto Insurance?
Most policies offer the following types of coverage:
- Bodily liability coverage—This is one of the most basic types of coverage in most states; it may cover bodily injuries you cause to others in an accident.
- Property damage liability coverage—This insurance may cover damage you cause to others’ property with your vehicle. This form of coverage is mandatory in Florida.
- Collision coverage—This coverage can pay for repairs to your vehicle in case of a collision with another vehicle or object, regardless of fault.
- Comprehensive coverage—Comprehensive insurance may protect your vehicle against noncollision incidents such as theft, vandalism, fire, or natural disasters and may be required if you have a car loan or lease.
- Personal injury protection (PIP) coverage—PIP coverage can cover medical expenses for you and your passengers regardless of fault. This coverage is also mandatory in Florida.
- Uninsured/underinsured motorist coverage—This coverage may financially protect you if you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have enough coverage to pay for damages.
You may also consider additional coverage such as roadside assistance, rental reimbursement or guaranteed asset protection (GAP) insurance. Talk to an agent to learn more.
How Do I Choose the Right Auto Insurance Policy?
Consider factors such as your driving habits, the value of your vehicle, your risk tolerance and your budget when determining the types and amounts of coverage you need. Keep Florida minimum insurance requirements in mind, as well as any stipulations imposed by vehicle lenders. Carefully review the policy terms, conditions and exclusions to avoid surprises when filing a claim. Consider factors such as deductibles, coverage limits and discounts.
Consult with your Baker Insurance Group Inc. representative who can help review your circumstances and make coverage recommendations.
Contact Us Today
Auto insurance is vital to responsible vehicle ownership, offering financial protection and peace of mind. By understanding the types of coverage available and carefully selecting the right policy for your needs, you can drive confidently, knowing you’re adequately protected against the unexpected. Talk to Baker Insurance Group Inc. to get a free quote.