Explaining the Basics of Auto Insurance Coverage in St. Augustine, Florida

Accidents inevitably happen. Car insurance in St. Augustine, FL, is to help people not find themselves down and out when and if accidents occur. Despite the widespread, common nature of car insurance, few people really understand what’s going on. The following sheds light on different levels of auto insurance coverage.

Florida’s Statewide Auto Insurance Minimums

There are a few different areas of sub-coverage, the limits for which are as follows:

  • $10,000 per person and $20,000 per accident for both uninsured motorist and bodily injury coverage.
  • $10,000 per accident to cover property damage.
  • $10,000 for personal injury protection.

People who travel should know that these requirements might not be in line with all other states’ minimum requirements. Renting a car, however, for intrastate travel is a good way of circumventing this potential shortcoming.

Is Comprehensive Worth It?

Comprehensive coverage covers other parties’ damages and drivers’ own damages, including those not even associated with car accidents. Not all potential damages are covered by comprehensive policies, though many are, in fact, covered. People who can’t readily afford the expensive comprehensive package should consider stepping down to minimum liability coverage from a holistic personal financial standpoint. Vehicles purchased with financing, however, usually require drivers to maintain comprehensive coverage.

This Company Loves to Educate Others

Thompson Baker Agency, Inc., found online at https://thompsonbaker.com/, is home to fine insurance agents who love helping clients understand the ins and outs of the world of car insurance in St. Augustine, FL.

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