Basic auto insurance is the insurance that is required by the state you live in. Florida is a no-fault state requiring Personal Injury Protection (PIP) and Property Damage Liability (PDL). You must have a minimum of $10,000 in PIP and a minimum of $10,000 in PDL. This helps to take care of others who suffer damage to their vehicle due to an accident you are found to be at fault. It also covers your injuries.
When choosing auto coverage, you can count on Karla Salmon Insurance in Oviedo, FL to offer the assistance and customer service you require.
Basic auto coverage may be okay if you have no assets and a vehicle with very little value, but you will need more for everyone else.
Liability insurance protects you from legal action that may be taken against you due to an auto accident. It pays not only for the judgment but for legal fees as well.
When your vehicle is damaged, in an accident, by a hit and run, or in a one-vehicle accident, this insurance will pay to have your car repaired or replaced after the deductible is paid.
Comprehensive coverage covers most other types of damage your vehicle can sustain. Things like hail, strong winds, floods, vandalism, and theft. It also includes glass coverage which will replace your windshield if it is damaged.
Gap insurance covers the dollar amount between the amount of your car loan and the value the insurance company gives to your vehicle.
At Karla Salmon Insurance in Oviedo, FL, we will be here to help when you need us. Give us a call or stop by our office.