When is basic auto insurance just not enough?

If you are a resident of Florida or are visiting the state and plan to drive, you are required by law to have at the very least the minimum amount of liability insurance required by Florida law. You must have at least $10,000 in bodily injury coverage per person with a maximum of $20,000 per accident. You also must have $10,000 in property damage coverage. Failure to have at least these minimum amounts can result in the suspension of your driver’s license or registration and you may be required to pay a $500 reinstatement fee. Our experienced agents at Blanchard Insurance in Altamonte Springs, FL can help you to make sure that you have enough insurance protection. 

The simple answer to the question when is basic auto insurance just not enough is if you own anything or have a car that you rely on. Basic auto insurance protects other people in an accident with you but it is very basic. What if they run up $30,000 in hospital bills, where does that leave you? What about if their car is worth more than $10,000? In both of these scenarios, you would have to foot the bill personally. You can be sued for the damages putting your assets in danger.  And what about your car? If you have basic auto insurance, your policy is not going to repair or replace your vehicle. If you are like most people you need your car to get to work and to just get around. 

At Blanchard Insurance in Altamonte Springs, FL we have more than 20 years of experience providing our clients with personal service. We offer the highest quality insurance carriers available to give our customers the level of protection that they need and deserve. To discuss your auto insurance needs with a member of our team give us a call or stop by our office.