{"id":62,"date":"2021-05-28T04:00:00","date_gmt":"2021-05-28T10:00:00","guid":{"rendered":"https:\/\/www.aciaonline.com\/blog\/?p=62"},"modified":"2021-05-30T19:04:32","modified_gmt":"2021-05-31T01:04:32","slug":"auto-insurance-faqs","status":"publish","type":"post","link":"https:\/\/www.aciaonline.com\/blog\/auto-insurance-faqs\/","title":{"rendered":"Auto Insurance FAQs"},"content":{"rendered":"<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">Congratulations! After weeks, and perhaps months of in-depth research comparing models, visiting dealerships, and making numerous test drives, you have finally bought your dream car. However, before taking your ride on the road, you need to consider one more thing &mdash; auto insurance. But because auto insurance can be a challenging topic, especially for new car owners, All Counties Insurance Agency &amp; Traffic School of Palm Coast, FL has prepared a FAQs section to help you understand this insurance better.&nbsp;<\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">Is car insurance mandatory?<\/span><\/span><\/span><\/strong><\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">Like most states, car insurance is mandatory in Florida. Failure to show proof of car insurance may result in hefty fines and penalties, including license suspension.&nbsp;<\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">What are the state-required minimums?<\/span><\/span><\/span><\/strong><\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">While most drivers purchase more than the state-required minimums, it&rsquo;s vital to understand what the law requires. The Florida state expects drivers to buy the below minimum car insurance coverages.<\/span><\/span><\/span><\/span><\/span><\/p>\n<ul>\n<li><span style=\"font-size:11pt\"><span style=\"color:#0e101a\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">Property damage liability with a minimum of $10,000 per accident<\/span><\/span><\/span><\/span><\/span><\/li>\n<li><span style=\"font-size:11pt\"><span style=\"color:#0e101a\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">Personal Injury Protection (PIP) with a minimum of $10,000<\/span><\/span><\/span><\/span><\/span><\/li>\n<\/ul>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">While bodily injury liability isn&rsquo;t legally required, it&rsquo;s wise to buy this insurance because it covers medical expenses for other people for accidents you are at fault. Although Florida is a no-fault state, the injured parties could still sue you for damages, leaving you to pay the damages from your pocket if you don&rsquo;t have adequate liability coverage.<\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">What are the other types of commercial insurance coverages to consider?<\/span><\/span><\/span><\/strong><\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">Some motorists might stick to the state minimums in a bid to save on premiums. But insurance experts will tell you that this catastrophic.&nbsp;<\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">State minimums are inadequate and won&rsquo;t cover damages to your vehicle. To that end, consider the below optional car insurance coverages.<\/span><\/span><\/span><\/span><\/span><\/p>\n<ul>\n<li><span style=\"font-size:11pt\"><span style=\"color:#0e101a\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">Collision coverage&nbsp;<\/span><\/span><\/span><\/span><\/span><\/li>\n<li><span style=\"font-size:11pt\"><span style=\"color:#0e101a\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">Comprehensive coverage<\/span><\/span><\/span><\/span><\/span><\/li>\n<li><span style=\"font-size:11pt\"><span style=\"color:#0e101a\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">Underinsured\/uninsured motorist coverage<\/span><\/span><\/span><\/span><\/span><\/li>\n<\/ul>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">Do you need more information on auto insurance? Please get in touch with All Counties Insurance Agency &amp; Traffic School for more insights. Besides, you can visit our Palm Coast, FL offices to chat with one of our agents in person.<\/span><\/span><\/span><\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Congratulations! After weeks, and perhaps months of in-depth research comparing models, visiting dealerships, and making numerous test drives, you have finally bought your dream car. However, before taking your ride on the road, you need to consider one more thing &mdash; auto insurance. But because auto insurance can be a challenging topic, especially for new [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[6,5],"class_list":["post-62","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","tag-all-counties-insurance-agency-traffic-school","tag-palm-coast-fl"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.aciaonline.com\/blog\/wp-json\/wp\/v2\/posts\/62","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.aciaonline.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.aciaonline.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.aciaonline.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.aciaonline.com\/blog\/wp-json\/wp\/v2\/comments?post=62"}],"version-history":[{"count":1,"href":"https:\/\/www.aciaonline.com\/blog\/wp-json\/wp\/v2\/posts\/62\/revisions"}],"predecessor-version":[{"id":63,"href":"https:\/\/www.aciaonline.com\/blog\/wp-json\/wp\/v2\/posts\/62\/revisions\/63"}],"wp:attachment":[{"href":"https:\/\/www.aciaonline.com\/blog\/wp-json\/wp\/v2\/media?parent=62"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.aciaonline.com\/blog\/wp-json\/wp\/v2\/categories?post=62"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.aciaonline.com\/blog\/wp-json\/wp\/v2\/tags?post=62"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}