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Southeast Florida Automatic Insurance: State Requirements & Recommended Options

Southern Insurance Group

Southern Insurance Group

A minimum amount of responsibility is required by law in Florida. Here are the fundamental components:

1. Physical Damage Liability or BIL (per person coverage) $15,000

2. Complete Physical Damage Liability (per incident coverage) $30,000 3. Property Harm Liability or PDL (non-medical expenses such as harm to automobiles, telephone posts, road signs, etc.) $15,000 Although the Southeast Florida auto insurance policy need is 15/30/15, automobiles respected at $40-50,000 and more are quite common these days. Imagine getting twisted up in a car incident with a couple of reputation automobiles and it being your mistake.

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So, push up your protection to a more sufficient level…100/300/100 is what I recommend. It will only hit you up for a few bucks/year and in today’s litigious community, the added protection could save you from the poor house.

Comprehensive & Accident Insurance

Usually “full” protection indicates extensive plus collision protection. However, as with other states, Southeast Florida auto insurance policy law doesn’t require you to have either of these insurance coverages. If you rental or finance a automobile, you can depend on the lending company demanding collision and extensive, as a method of protecting their investment.

Collision insurance policy provides protection for your car if engaged in a car incident…minus a fixed insurance deductible that will be paid by you. The purpose of collision insurance policy protection is two-fold; to cover the price of repair to your broken automobile or, if “totaled”, to provide a cash settlement.

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Comprehensive insurance policy includes harm to your car triggered by fire, robbery, criminal damage, animal effects and functions of God.

While some motorists don’t believe that a car incident will ever happen to them, it is wise to follow the British idiom of Ben Franklin’s: “an ounces of protection is worth a lb of cure.”

Comprehensive and collision protection makes sense unless you are prepared to bear the entire the price of maintenance and/or total loss of your automobile.

Car Insurance Payments

Most insurance policy providers give you the option to pay yearly, bi-annually or per month, but many of them charge a quality for bi-annual and per month.

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Insurance organizations determine rates based on their evaluation of just how “chancy” it is to guarantee you.

Age is a significant component. It is believed older is better because you have more driving experience. Hence, insurance policy charges go down.

At the risk of appearing prejudiced, sex is an aspect as well. Simply…men are concerned in more and more serious injuries than women. Therefore, men end up spending more for auto insurance policy.

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