The Latest on Car Insurance in Florida 2023
If you live in Florida, you almost certainly need a car. Since the pandemic’s effect on supply of new cars and the effect of inflation on the economy, getting a car and then procuring car insurance for your vehicle hasn’t been a walk in the park.
Finding the right insurance is now a more crucial aspect of owning a vehicle in Fort Myers, Florida than ever. As a driver, it's essential to have the right coverage to protect yourself, your passengers, and your car in the event of an accident. With so many insurance options available, it can be challenging to know where to start when looking for car insurance in Fort Myers. In this article, we will provide an overview of car insurance in Fort Myers, including requirements, coverage options, and tips for finding the right insurance for your needs.
Car Insurance Requirements in Fort Myers
Like all states, Florida has specific car insurance requirements that drivers must meet to legally operate a vehicle. In Florida, drivers must have:
Personal Injury Protection (PIP) - PIP coverage pays for medical expenses and lost wages if you are injured in an accident, regardless of who is at fault.
Property Damage Liability - Property damage liability coverage pays for damage to someone else's property if you are at fault in an accident.
While these are the minimum requirements, many drivers choose to carry additional coverage for added protection. Let's explore some of the coverage options available in Fort Myers.
Coverage Options for Car Insurance in Fort Myers
Bodily Injury Liability - Bodily injury liability coverage pays for medical expenses and lost wages for other drivers and passengers if you are at fault in an accident.
Collision - Collision coverage pays for damage to your vehicle in the event of an accident, regardless of who is at fault.
Comprehensive - Comprehensive coverage pays for damage to your vehicle from non-collision incidents, such as theft, vandalism, or weather-related damage.
Uninsured/Underinsured Motorist - Uninsured/underinsured motorist coverage pays for medical expenses and lost wages if you are in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages.
Now that you know some of the coverage options available for car insurance in Fort Myers, let's explore some tips for finding the right insurance for your needs.
Talk to one of our experienced agents. We’ve been locally serving customers since 1986 and we’re ready to have a real conversation about how to best protect you and your car today!
Consider Your Needs - When choosing coverage options, consider your needs and the value of your vehicle.
Check for Discounts - We can search and find the right discounts for things like safe driving, multiple vehicles, and bundling with other types of insurance, such as homeowners insurance.
Prioritize customer service - We want to provide you peace of mind that when you need something, you can get through to a real human who is experienced and ready to help.
