Aug 5, 2014

Posted by SHANELL CALLOWAY in Insurance | Comments Off on Choose the Best Car Insurance Services to Meet Your Needs

Choose the Best Car Insurance Services to Meet Your Needs

Every driver has his or her own unique car insurance needs. Some drivers have late model vehicles and only need a good liability policy that will protect them from a financial crisis if they cause an accident. Others have new vehicles and want a policy that protects their investment as well as their finances if they are ever in a crash. An insurance agent can help a driver get the right Car Insurance Services to meet their needs.

In the state of Florida, you are required to carry minimum auto insurance. Because Florida is a no-fault state, you have to have personal injury protection and property damage liability. If you are ever in an accident, your insurance company will take care of your medical bills. You simply need to contact your agent and advise them of the accident. The property damage liability portion of your insurance covers any damage that you cause to another vehicle in a crash. Unlike personal injury protection, this part of your policy does not extend to your vehicle.

If you want more coverage against losses, you can add Car Insurance Services to your policy. Collision coverage pays for damage to your vehicle that you cause. If you need to swerve to avoid an animal in the road or a child on a bicycle and you hit a pole, collision coverage will pay for the cost of repairs to your vehicle. Without collision coverage, the same accident would have to be paid for out of your pocket.

Comprehensive coverage provides additional protection against losses not related to car accidents. A comprehensive policy may pay for repairs to your car if it is damaged by a storm, stolen or vandalized. While there are limitations to comprehensive coverage, you can expect it to cover most of the things that can happen to your vehicle. If your windshield is damaged by a flying pebble on the highway, comprehensive insurance will cover the damage and replace your windshield if necessary.

Contact Ackerman Insurance Services Inc for more information about Florida auto insurance or for help choosing a policy to meet your car insurance needs. An agent will work with you to get you the best coverage available for your budget.

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