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How Does Car Insurance Work in Florida

Car insurance is something that most Floridians take for granted. After all, we need it to get around town safely. But what do you really know about car insurance? In this article, we will explore the basics of car insurance in Florida and give you a better understanding of exactly what it covers. From liability to collision, read on and learn more about what you’re getting yourself into when buying car insurance in Florida.

The Different Types of Car Insurance

When you buy a car in Florida, you are required to have liability coverage. This means that if someone is injured or damages your car while you are driving it, the insurance company will pay for their damages.

There are two different types of car insurance in Florida: bodily injury liability and property damage liability. Each type of policy has its own benefits and limits on how much money the insurer will pay out in claims.

Bodily injury liability covers you if someone is injured while riding in your car, either as a passenger or as a driver. This coverage includes injuries sustained when the car is hit by another vehicle, when it flips over, or when it crashes into something else. Property damage liability policies cover not only injuries to people who ride in your car but also any damage your car causes to other property.

You should also consider adding uninsured motorist coverage to your policy. This coverage pays for damages caused by someone who does not have insurance. It can help protect you if you are involved in an accident with someone who was driving without insurance.

Understanding Your Coverage

In Florida, car insurance is mandatory for all drivers. Your state may have different requirements, so be sure to check with your insurance company. In general, car insurance in Florida covers you for injuries you inflict on others and damage to their property. It also covers your own vehicle if it’s damaged in an accident. You’re also required to have liability insurance in Florida, which protects you from lawsuits that may arise from accidents.

Most policies offer discounts for bundling car and home insurance into one policy. This can save you money if something happens to either your vehicle or your home. Make sure to ask about discounts when shopping for car insurance in Florida.

If you’re involved in an accident, it’s important to stay calm and contact the police immediately. Car accidents can sometimes result in serious injuries or even death, so don’t take any risks – call 911 now!

Making a Claims Settlement

In Florida, car insurance is required by law. This means that, when you get a driver’s license, the Division of Motor Vehicles (DMV) will automatically issue you a policy with one of the major insurers.

Most people choose to buy automobile insurance from an insurer affiliated with their state’s “800 number.” This is because 800 numbers are staffed daily by representatives from different insurers who can help you compare rates and policies.

The process of making a claim is relatively straightforward in Florida. If you have been in an accident and were not at fault, your auto insurance company must pay damages to the other party. In most cases, this means that your auto insurance company will pay for medical expenses, lost wages, and damage to property.

If you are at fault in an accident, your auto insurance company may refuse to pay any damages. In this case, you would need to take legal action in order to receive compensation.


Florida is one of the most popular states for car insurance because it has a high number of drivers on the road. This means that there is a higher demand for car insurance, which in turn drives up rates. To help you save money on your car insurance policy, read through our article on how Florida car insurance works and find out what steps you can take to lower your premiums.

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