Before you can hit the road in Florida, the state requires that drivers show proof of insurance. With this comes the temptation to bundle auto insurance policies, a factor that may leave you with unnecessary coverage for your drives around Panama City Beach, FL. To help with this, Hall Insurance tackles essential auto insurance options that will come in handy for your commute around the state.
Personal injury protection is a mandatory auto policy that helps pay for your medical expenses when you are involved in an accident. It also comes in handy when your injuries result in lost work hours and will reimburse you for lost income.
Property damage liability is the second mandatory coverage required for drivers within the state. It will help you pay for 3rd party property damage costs during an accident that you can cause. Expenses catered for by this policy include repair and replacement costs, allowing you to eliminate any out-of-pocket charges.
Bodily injury liability is the first optional coverage that takes care of injuries that other parties get during an accident that you cause. Examples of expenses covered include examination fees and costs of treatment.
While uninsured coverage provides protection when you get into an accident with an uninsured driver, underinsured coverage offers compensation when you get into an accident with a driver whose insurance cannot cover the entire cost of your expenses. Items covered by both policies include hospital bills arising from your injuries and repair and replacement costs for damage to your property.
This policy takes care of non-collision accidents. Examples of these include hail storms, vandalism, theft, and fire incidences. When faced with any of these, comprehensive coverage ensures that your costs for repairs or replacements are paid for.
Collision coverage comes in handy when you get into an impact accident. This can be collisions with other vehicles on the road or objects such as poles or fences.
Whether you need auto coverage to keep your vehicle secure or need insurance to protect your loved ones while on the road, make it a point to call Hall Insurance today. Our policies are designed with Florida state requirements in mind while ensuring that your Panama City Beach, FL auto needs are met.
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