When it comes to buying Florida auto insurance most people have no idea how much insurance coverage they really need to have. Is it better to have more insurance coverage or can you get by with just state required coverage?
If you need to get the cheapest rate possible on insurance then you should get just the state required amount of auto insurance however if you can afford to pay for more coverage you really should get as much as you can afford. If you are in a major accident, even if it's not your fault, it's important that you have enough insurance to cover all the medical expenses and related expenses for you and your passengers. If you are seriously injured and can't work then having enough insurance to cover lifetime payments and care could mean the difference between living comfortably or struggling to get by in addition to being injured.
Another reason that you should get as much Florida auto insurance as you can comfortably afford is because there are so many uninsured or underinsured drivers on the road. If you have an accident with someone that doesn't have insurance or doesn't have enough insurance to pay for the damage to your vehicle or to pay for your medical bills you will be stuck paying for your medical bills and to fix your vehicle.
In a case like that you would be able to sue the other driver to recoup your expenses but if the other driver doesn't have enough money you would still be on the hook for paying your expenses. But if you have enough auto insurance protection against uninsured or underinsured drivers then your insurance will pay for your medical expenses and the cost of fixing your vehicle.
So while it might be tempting to just get the state required amount of insurance coverage and save money it's really best to buy as much Florida auto insurance as you can comfortably afford.
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