PIP or Personal Injury Protection insurance is a policy that may be included with your liability and collision auto insurance coverage. It is used for a personal injury or toward others involved with your automobile accident. The types of items that could be covered may include your medical care, any employment paycheck losses, and even any fees for funeral arrangements if they are necessary. Your children and other passengers in your vehicle who do not have PIP or a vehicle could possibly be covered under this policy. You will need to contact your auto insurance company to find out your coverage options and always contact them following an accident if you already have PIP coverage on your auto insurance policy. Making sure you have the proper insurance to cover any problem your family or you might encounter is a priority to us.

Be sure to visit our website to try our online rating tool for quotes on your auto insurance policies. For more information about this topic, you can contact Dune Lakes Insurance at our Inlet Beach, FL office. We are more than happy to answer any questions concerning your policy and what it might offer. Our doors are always open and welcoming to visitors at our Dune Lakes Insurance office in Inlet Beach, FL. We look forward to seeing you soon.

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.