As a car owner there is little doubt that you know a little bit about car insurance in Naples FL. The words premium, deductable and the more common terms may be part of your vocabulary but there are many components of a car insurance policy that may be not fully understood.
Car insurance in Naples FL is a legal requirement so it’s important to know just what the demands are and what additional or optional cover provides more protection in the event of an accident. The minimum car insurance in Naples FL is $10,000 personal injury protection and $10,000 property damage liability.
Certain factors, other than the minimum coverage, must be taken into account when buying car insurance in Naples FL. Factors such as the type of car, the age of the car, your driving record and the amount you can or are willing to pay.
What you purchase when you buy car insurance in Naples FL is a policy. The policy is that which specifies precisely the coverage you have elected. There are different types of cover that can be had, in FL PIP and PDL are mandatory, however there are other coverage’s.
Liability covers payment for bodily harm and property damage to others. Damages that are covered are medical costs, pain and suffering and lost wages. Property damage is confined to damage to property and vehicles. Liability coverage will also cover court costs and the cost of defense.
Collision coverage on your car insurance in Naples FL policy pays for damages to your car when it’s in a collision with another car or object.
Comprehensive coverage attached to your car insurance in Naples FL is that which pays for loss or damage to your car that doesn’t occur as the result of an accident. The types of damage could be fire, theft, vandalism, flood, wind etc.
Full medical coverage pays for all medical expenses no matter who is at fault when the expenses are the result of a car accident.
Car insurance in Naples FL can also cover damages when you are in a collision with an uninsured motorist or with a person who has insufficient insurance to cover the damages.
Many policies combine a number of these types of coverage. Each type of coverage of course has a cost element but coverage in addition to the FL minimum may pay dividends as no one wants to get stuck with paying large amounts of money because of a collision.
Most insurance companies will tell you that the state mandated minimum is a real gamble because if your coverage is insufficient an attorney will go after your personal assets to make up the difference. Ask yourself what assets you have, their value, how much am I willing or able to pay from my own pocket and other relevant points before you talk coverage.
Car Insurance in Naples FL- A good insurance service provider can be a major asset when it comes to determining your cover. Ackerman Insurance Services have been providing quality coverage for clients since 1991 and are positioned to help you avoid an unpleasant surprise.