Auto Insurance

You need to have auto insurance coverage to drive legally on Florida roads and any other state roads. It's important that you put careful research into finding the best auto insurance policy as a motorist. At Ramsgate Direct, we offer auto insurance policy options to meet your needs.

Auto insurance requirements in Florida

As in most states, auto insurance is required by law in the state of Florida. All motorists must meet some basic requirements when it comes to the liability coverage they have.

Florida law requires that motorists carry at least $10,000 in personal injury protection on their auto insurance policies. State law also requires at least $10,000 in property damage liability coverage.

While these are the minimum requirements for the state, it's always a good idea to carry more than the minimum required insurance amount. A serious vehicle accident can easily cost well over $10,000 in injury or property damage expenses. It's, therefore, a good idea to pay for added coverage.

Coverage options

State law generally only requires liability coverage. However, there are several other types of auto insurance coverage to consider. Liability coverage will only cover the costs of damage that a motorist causes to other individuals, vehicles, or property. This type of coverage will not cover the costs of repairs for the policy holder's own vehicle.

Motorists need to add collision coverage to their auto insurance policies if they want their insurance to cover repair expenses for their own vehicle. By investing in comprehensive auto insurance, motorists will also have expenses covered that result from events such as theft, fires, or vandalism.

Get in touch with us with your questions and inquiries regarding auto insurance. At Ramsgate Direct, we're devoted to keeping our auto insurance clients adequately covered for peace of mind and financial security.

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