Important Facts About General Car Insurance in Fort Myers

by | Sep 12, 2019 | Insurance Services

In Florida, all drivers must comply with the state mandate for auto insurance or face penalties. Insurance is necessary for covering the cost of medical expenses and auto repair costs after an accident. The type of insurance purchased by the driver defines how much coverage is available. A local insurance agent explains important facts about General Car Insurance in Fort Myers.

Insurance Laws Basics

To fulfill the state mandate for auto liability coverage, drivers must have a policy that starts with $10,000 for each person involved in an accident with a maximum of at least $20,000. The policy must provide $10,000 for property damage and personal injury protection.

What Happens if You Don’t Have Insurance?

Drivers who are caught without at least auto liability coverage face fines for up to three years that range between $150 and $500. In some cases, the driver could also face a license suspension. State laws also impose the full penalties for anyone who is at-fault in an auto accident and doesn’t have auto insurance.

Automobiles that are Financed

Automobiles that are financed by a lender require the driver to purchase and maintain at least collision and comprehensive insurance. The policies cover any collisions, property damage, and replace the automobile if it is classified as a total loss. The coverage protects the lender and the buyer’s investment. A failure to purchase the insurance and keep it throughout the term of the loan contract could lead to repossession of the vehicle.

Discounts for Auto Insurance

Discounts for auto insurance begin with the age of the driver. Any driver over the age of 25 or 65 receives additional discounts. All teen drivers with safe driving records and who maintain a high GPA get discounts. Insurance agents explain any additional discounts available to the driver.

In Florida, drivers comply with state insurance laws to avoid penalties and fines. Auto insurance coverage helps them cover any damage and medical expenses that arise after an accident. Some policies offer increased coverage and replace the vehicle if it isn’t repairable. Auto drivers who need information about General Car Insurance in Fort Myers or Auto & Home Insurance Quotes contact an agent right now.

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