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James Harmon Insurance Agency’s Florida Auto Insurance
Florida is a "no-fault" insurance state and has some unique aspects. The James Harmon Insurance Agency in Gainesville, FL can help you find the insurance you need, and help you understand the state's requirements. There are a handful of states with no-fault insurance, meaning everyone's insurance pays for their own damages regardless of who is at fault, but Florida is a little unique in the way it handles insurance.
If you drive your car in Florida for 90 days or more, you must have "Florida insurance," which means insurance from a company licensed to do business in the state.
There are also minimum requirements for amounts of insurance. Here are the other basic requirements.
- Property Damage Liability - This covers damage your vehicle causes to another person's property, and it may also incorporate family members driving. This would cover damage to another car, or to other property like a mailbox or a building. It only covers liability, so it does not include your vehicle. You are not required to have insurance on your own vehicle.
- Personal injury protection - This covers you, your family, or other people riding in your car, for personal injuries. This is true regardless of who is at fault in an accident, hence the name no-fault. This also covers pedestrians, bicycles, or school buses.
- Bodily injury liability - This is the third aspect of Florida's car insurance coverage. This covers medical, and even funeral costs, for you or a family member that causes bodily injury or death while driving your vehicle. This is not required by the state of Florida, and only one other state has similar rules. This is more for severe accidents with very high damage.
Florida's no-fault insurance coverage generally means prices are lower than many states. If you are driving a vehicle in Florida, you will need insurance. Come by, or call the James Harmon Insurance Agency in Gainesville, FL to make sure you have the coverage you need to stay safe on Florida's roads and highways. Also, try our online rating tools for quotes on home or auto insurance.