Different states have different requirements for auto insurance coverage. When shopping for auto insurance take note of state minimum requirements, lender requirements, and personal needs when choosing a policy.

State requirements
Auto insurance in FL specifically requires drivers to have the following:

• Liability insurance covers injury to another person or damage to property caused by you or someone you have given permission to drive your vehicle.

• Uninsured motorist coverage offers recovery for bodily injury and damage to property suffered by you but caused by the driver of an uninsured automobile.

• Personal injury protection covers expenses related to any medical care that you need and loss of income for you and your passengers that may be injured in a covered accident.

Lender Requirements
For drivers that have a loan on their automobile, the lender may require additional types of coverage.

• Comprehensive insurance will pay for damage that may occur to your car from events such as hail, theft, and fire among other things.

• Collision coverage refers to any damage to your vehicle caused by impact with another auto or object.

Personal Needs

 Depending upon your driving habits, area where you live or work, or other drivers on your policy, you may want additional coverage.  For added protection you can have higher limits than is required for auto insurance in FL.  Increased protection often comes with an increase in premium costs, but may be well worth it.