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Get DirectionsBeing a driver in Florida means that you must meet the minimum required insurance coverage. Florida is a no-fault state, which makes things a little different from other states. At Skyline Insurance LLC in Jacksonville, FL, we work with more than 40 carriers, which allows us to offer our customers more choices and the best rates.
In the state of Florida, you need to carry a minimum of $10,000 in PIP and a minimum of $10,000 in PDL. That protects other people from you, but it doesn’t do much about your vehicle or you. For that, you need additional coverage. If you have a loan or are leasing a vehicle, you will need to have more coverage than just the basics. You will need insurance to protect the vehicle.
Collision coverage
Collision coverage protects your vehicle in the event of an accident for which you are responsible. If you don’t have collision coverage, you will need to pay for the damage to your vehicle yourself. With collision coverage, you have to pay your deductible, but your insurance will pay for repairs or pay you the value of the vehicle if it is totaled.
Comprehensive coverage
Comprehensive coverage is for damage that is beyond your control. It covers many different types of damage, including those caused by a weather event: hail damage to your paint, wind damage from falling limbs, and flooding. It also covers theft, vandalism, and collusion with a large animal like a deer.
Having more than basic insurance is vital if you need your vehicle to go about your daily life.
Contact our office at Skyline Insurance LLC in Jacksonville, FL, and let us help you find the right auto insurance for your needs.
