Auto Insurance in Florida
At Clark & Bell Insurance Agency, we're proud to offer an outstanding array of auto insurance policies at an affordable rate for our Fort Myers, FL clients. South Florida is a wonderful place to live and drive, but you will need to be adequately insured before you get on the road.
The following is a quick look at what every driver should know about Florida auto insurance:
What to Know About Florida Auto Insurance
- Florida is a no-fault state. Florida's insurance laws adhere to a no-fault system, which means that when a person is in an accident, each driver's own insurance company is responsible for covering certain key expenses like medical, regardless of who is eventually found to be at fault. However, if the other driver is found at fault and your medical expenses exceed your limits, you and your insurer can seek reimbursement from the other party's insurance company.
- You must show proof of minimum insurance requirements. All drivers must carry current auto insurance that meets certain state minimum requirements. This includes $10,000 in Personal Injury Protection and $10,000 in Property Damage Liability coverage.
- Uninsured/Underinsured Motorist Coverage is strongly recommended. While auto insurance is required by Florida law, there are unfortunately a high amount of uninsured drivers as well as those drivers who go by the absolute minimums, often making them relatively uninsured so that if you are in an accident with them, you may be unable to seek full payment for your injuries and property damages. UI/UIM coverage will protect you in such cases.
Learn More About Florida Insurance and Get a Good Deal On Yours
When was the last time you updated your Florida auto insurance policy? At Clark & Bell Insurance Agency, we make shopping for Florida auto insurance a breeze. Contact our team today to learn more about Fort Myers, FL coverage options and secure your own excellent policy.