Driving in Florida requires that the vehicle you’re driving must be insured with at least the minimum types and amounts of coverage that are mandated by law. If you need auto insurance, contact us at Express Insurance in Longwood, FL.

No-Fault State

There are 12 states that are considered no-fault states. That means that no matter who was the cause of the accident, you are responsible for your own medical bills. To give Floridians the protection they need for their potential medical bills, every driver needs to have personal injury protection. There is a set minimum amount that the state requires you to keep in personal injury protection. This type of coverage pays for 80% of your medical bills if you have been in an accident, and it doesn’t matter who caused the accident. However, with the high cost of medical bills, it is recommended to get a higher amount of coverage than the amount that is mandated, as it is one of the lowest amounts among the states.

Liability Coverage

There is a set minimum amount that you must have of property damage liability coverage. This covers you against being liable for another person’s property, such as a vehicle, that is damaged in an auto accident. However, like personal injury protection, the minimum amount mandated is quite low, so getting a higher amount of this coverage is usually recommended. 

Call Us About Your Insurance

If you don’t yet have auto insurance, or you want to add more of it, contact us at Express Insurance in Longwood, FL. Make an appointment to discuss your insurance needs with an agent today. We are here to help.