When it comes to your liability protection, full coverage has a different meaning. Full coverage means you have a policy that offers the minimum protection under Florida law. Weinstein Legal offers free car insurance coverage consultations that include a review of your policy along with recommendations for additional coverage. Other coverages, such as roadside assistance, rental reimbursement, and new car replacement programs, are considered complementary.
Full full coverage requires planning and purchasing sufficient insurance before an accident occurs. Because some states require more types of coverage than others, the exact standards for “full coverage insurance” are different. Even so, if you don't have enough car insurance coverage in the event of an accident, you may struggle to find coverage for your medical expenses and lost wages. Your coverage needs and your financial situation may change over time, and you should make sure that your insurance keeps up.
Full-coverage car insurance, in the common sense, may not cover all possible losses, but it should keep you from being financially ruined if you're involved in a serious accident. Coverage includes acts of vandalism, car theft, windshield repairs, fires, animals and common “acts of nature” in Florida, such as hailstorms, lightning, floods and hurricane damage. Under your PDL coverage, the insurance company will also pay up to a certain amount for property damage caused by your cars, such as damage to trees, buildings, traffic signs and mailboxes. Residents of the few states with lower mandatory PDL limits may also need additional property damage liability coverage to drive legally in Florida.
If you're looking for the cheapest car insurance rates on full-coverage auto insurance in Florida, you can do a few things. The mandatory minimum insurance does not cover repairs to your car after an accident, but rather damage to the other person's car under limited circumstances. However, not all Floridians need all the types of insurance that can be included in a full coverage policy. Don't assume that full coverage means you're “fully covered” if you have a car accident.
There is no specific definition of full-coverage auto insurance in Florida, despite the term's popularity.