Auto insurance should be sufficient to protect a driver’s assets in the event of an accident. Insufficient coverage could have detrimental effects on your finances if you’re found at fault in a serious accident. By discussing auto insurance needs with a Dune Lakes Insurance agent in Inlet Beach, FL, you can have greater confidence in the coverage you receive.   

The following tips can help drivers obtain adequate coverage for their particular situation:

Protection for Others

If you’re found at fault in an accident, your auto insurance coverage should be sufficient to cover the expense of property damage and the medical injuries of others involved in the accident. Minimum property damage liability coverage in Florida is required. Minimum bodily injury coverage is based per person and per accident.

Taking into consideration the high cost of medical expenses today, minimum bodily injury coverage could fall woefully short in protecting your interests. If your victim’s medical bills exceed your coverage, you risk paying for these expenses out of your own pocket. Opting for higher bodily injury coverage provides you with greater protection against serious accidents.

Personal Protection

Although uninsured/underinsured coverage (UM) is optional in Florida, drivers shouldn’t neglect what it has to offer. If you’re hit by a driver with insufficient insurance coverage, UM insurance helps cover the cost of damages you incur in the accident. As there are quite a few motorists on the road who are underinsured or have no coverage at all, UM insurance could prove to be a valuable asset.

Collision and comprehensive coverage also provides personal protection in the event of an accident. After assessing your situation, your insurer can help you determine if this coverage is in your best interest.

A personalized auto insurance policy from Dune Lakes Insurance in Inlet Beach, FL will ensure you have adequate coverage to suit your needs. Drop by our office or give us a call today to learn more.