How Florida Auto Insurance Works

None of us wants to pay more than we have to in life. We’d rather save our money or at least spend it on things we prefer. But there are some things that we simply must invest in and Florida auto insurance is one of them. If you don’t understand why or don’t know how auto insurance works in the state of Florida, keep reading for a simple explanation.

Liability Insurance

Like all forms of insurance, the auto variety is more of an umbrella term. There are many different types of insurance that fall under this one. So having Florida auto insurance can mean an array of different things. However, one form of auto insurance everyone must have is liability insurance. This simply means if damages happen, you’ll be able to pay for it (minus your deductible).

According to, in Florida it’s mandatory you carry insurance and it’s easy to see why. If you were to hit someone’s car and it wasn’t their fault at all, you’d be held responsible, right? But if you don’t have the funds to pay for their repairs, that’s going to be a real issue.

The Three Numbers 

Most agencies will quote you prices for your Florida auto insurance by listing 3 numbers. You may have seen this before without knowing what it meant. The 3 numbers represent separate parts of your quote.

The first number refers to how much the agency will pay, in thousands, for each person hurt in the accident (besides you). That second number signifies the most the policy will cover for an accident. Keep in mind this is per accident, so the number is how much will be available each time you get in one.

Finally, the last number is how much you can expect to reimburse you for property damage. Again, these are all in thousands of dollars.

Other Types of Florida Auto Insurance

While that all refers to liability insurance, there is more to your auto coverage than that, as we mentioned.

Collision and Comprehensive 

As you probably figured out, collision insurance protects you when your car gets hit. Obviously, that collision will cause damage that will cost you money. But that’s not the only way your automobile can get damaged. There are other things like fires, floods, theft and more. That’s where comprehensive lends a helping hand.

Uninsured Motorist Insurance

Although it’s very irresponsible, the truth is, many people decide to drive without insurance. They might have the best of intentions—like they have a job and lack the funds—but if they hit you, you’re going to be up a creek with no help from their insurance agency. This is where uninsured motorist insurance comes in hand. If you need Florida auto insurance from, there’s a lot to consider. At the very least, you’ll need liability coverage. But there are plenty of other versions besides the ones listed above that you might need. So be sure to research a reputable agency and then sit down with them to find out which types are best for you.

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