What Can Full Auto Insurance Coverage Do For You?

Everyone who owns a vehicle must maintain some auto insurance coverage. Florida state law requires $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL), but it’s wise to purchase a much more comprehensive policy. If you are ever involved in an accident in which you’re found to be at fault, the extra coverage may save you from even more devastating financial and legal troubles.
Florida Roads Are Dangerous
Driving along Florida’s surface streets and highways can be a beautiful experience, especially when you can spend an afternoon driving along the coast. The problem is that everyone else is thinking the same thing and, as more drivers take to the roads, the risk of an accident is increased. Add to that the fact that severe tropical storms can devastate a vehicle in a matter of minutes and you begin to realize why the state minimum requirements for auto insurance are never enough.

Full comprehensive auto insurance Orlando FL is recommended, especially when looking at the intersections that are the most dangerous. While intersections like Michigan Street at Orange Avenue or Magnolia Avenue and Colonial Drive do have traffic lights and are equipped with cameras, that’s not to say the higher risk has been eliminated. There’s still a high potential for an accident at these and other busy intersections throughout Orlando, which is why safer driving and full auto insurance coverage is necessary.
What Can Full Coverage Do for You?
It’s important to understand that auto insurance in Florida is generally more expensive than it is in other states. That’s partially because much of the state is at a greater risk of tropical storms and hurricanes. Severe weather can cause flooding that can be just as damaging to your vehicle as the damage caused by high winds falling objects, such as trees or utility poles.

Even though the costs may be higher, it can be even more expensive to suffer damages without proper coverage. In that situation, you may find yourself facing an extra financial hardship that better auto coverage might have avoided. By adding comprehensive, collision, and uninsured & underinsured motorist coverage, you can feel more confident that most emergencies will be covered. Additional protection, such as roadside assistance, rental reimbursement, and accident and minor violation forgiveness can also make a big difference in times of need.
While the law allows you to drive with minimal coverage, going the extra difference for a more comprehensive policy is a wiser course of action. It can help you more fully cover the costs of injuries and damages caused to others through your fault, as well as help you recover from your own losses. It’s much better to pay a little extra each month than it is to face an enormous debt at the time of an accident.

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