Auto Insurance FAQ in Miami, FL
At Golden Gables Insurance Agency, we understand how important it is for drivers in Miami, FL to have reliable information regarding auto insurance. Below, our team answers some of the most common questions from our clients to help you choose the ideal coverage for your needs.
Is Auto Insurance Required in Florida?
Florida law requires all drivers to carry the following:
- Personal injury protection (PIP) coverage: This covers you and your passengers’ medical expenses and certain costs after an accident, regardless of fault.
- Property damage liability (PDL) coverage: This pays for damage you cause to someone else’s property with your vehicle.
What Optional Coverages Are Available?
Depending on your circumstances, you can purchase the following:
- Comprehensive coverage: This covers damage caused by fire, natural disasters, theft and vandalism.
- Collision coverage: This helps pay for repairs to your own vehicle after an accident.
- Uninsured/underinsured motorist coverage: This covers your losses if you’re hit by a driver with little or no insurance coverage.
How Are Auto Insurance Rates Determined?
Insurance companies consider several factors, including:
- Driving record
- Claims history
- Vehicle characteristics (e.g., age, make, model, type, value)
- Location
- Age
- Coverage selections
- Deductible
What Happens If I Drive Without Insurance?
Driving without the required insurance can result in fines and license suspension. It’s important to maintain continuous coverage to avoid these consequences.
How Can Golden Gables Insurance Agency Help?
We’re committed to helping drivers understand their options and find the right auto insurance policy at a competitive price. Our team is here to answer your questions, compare your options and assist with a claim. Contact us today for a personalized quote.
