Handyman Insurance – Buy Additional FL Car Insurance
There are several cost-effective ways for FL vehicle owners to improve their coverage. One of these methods involves improving upon the PIP and property damage limits mandated by the state. PIP covers injuries sustained by policyholders, their children, members of the same household, and certain passengers after an accident regardless of fault, but only up to the limits of the policy. If a driver sustains injuries that surpass the minimum $10,000 limit, they may have to pay for any remaining expenses out of pocket. Similar hazards exist for property damage coverage, which pays for other parties’ physical damages that the policyholder is responsible for.
Although Florida’s No-Fault Law requires only relatively low limits, residents are encouraged to pursue auto insurance that includes higher PIP and property damage thresholds and additional protection. Often, raising the limits on a plan can be done for only a few extra premium dollars. However, the required coverages still do not cover damage to the policyholder’s own car. To avoid paying for costly repairs, residents may want to consider adding optional protections to their policies.
Some helpful additions that drivers may want to consider are comprehensive and collision coverage. These additions pays for damages to the insured’s own vehicle. Although this will add to the overall price of a plan, drivers can choose to increase their deductible to help lower costs.