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Auto Insurance

The state of Florida requires all drivers to carry a minimum amount of insurance in order to operate a car on the state roads. The state does not require you to carry bodily injury insurance, but you must carry property damage and personal injury protection insurance on your auto insurance policy.

What are the State Minimums of Insurance?

You must carry at least $10,000 in liability coverage for property damages and $10,000 in personal injury protection coverage in Florida.

Personal injury protection from Bright Beacon Insurance Inc covers you and your family members as well as others that ride in your car. It also covers injuries to a person that has permission to drive your car and it doesn't matter who is at fault for an accident. This type of coverage also applies to pedestrians and cyclists that are hurt in an accident if they live in Florida. If you drive outside the state, then personal injury protection will only apply to you and your family members.

Property damage liability insurance will pay for damages to the property of others that you cause in an accident. It covers homes, a property around home and damages to public property, such as knocking down a street sign or a power pole.

What are Optional Insurance Coverages?

Since personal injury protection does not cover drivers in other cars in the event of an accident, you should consider adding bodily injury liability to your policy. This covers injuries or death to another person when you are at fault in an accident and it pays for their medical bills and loss of wages. Just one accident where you are at fault can lead you to financial ruin while paying all the medical bills associated with injuries of the other driver. Therefore, most drivers add this type of coverage to their policy.

Other types of auto insurance include collision to repair or replace your vehicle, comprehensive to protect your car from damages not due to an accident and uninsured motorist to protect yourself if the other driver is at fault and does not have insurance or doesn't have enough insurance to cover your losses.

Securing auto insurance can be confusing and at Bright Beacon Insurance Inc, we are here to help you sort it out and make the best decisions to keep you covered. You can use our online tool to start a quote or stop by the office to talk to a knowledgeable employee about all your options in auto insurance.

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