If you have never sat down and had a discussion with your Fort Lauderdale, FL at Coastal Wealth Insurance LLC, you might not realize the wide variety of options you have. A lot of people just get the minimum coverage required by law, without realizing what they’re missing out on.
Minimum coverage in Florida includes basic liability, meaning that if you are found at fault in an accident your insurance will pay. If you don’t have insurance, the accident victim can ask you personally to pay. If you have minimum coverage, your insurance will only pay up to those minimum policy limits, after which you are responsible. You will also need uninsured and underinsured coverage.
If you have been in a crash in the last few years, you probably realize how expensive medical bills and repairs are. Minimum coverage won’t fully cover the full amount for many crashes. You might want to see if it’s worth it to you to get higher policy limits.
Full coverage insurance will also include comprehensive and collision coverage. Collision coverage will cover damages to your own vehicle if you are in a crash, not just the other drivers. Comprehension coverage protects you in other situations, such as vandalism, weather damage, or theft.
There are also optional coverages. Some people choose the option for glass protection, specifically to replace the windshield. You can also often choose roadside assistance and/or rental car coverage.
The best way to get a good price on full coverage insurance in Fort Lauderdale, FL is to compare all your different options. At Coastal Wealth Insurance LLC, we can help you build a policy tailored to your needs. If you want to see how we can help you do that, or if you have any other insurance questions, please feel free to call today.