Have a look at the video and hear why lawyer Spencer Aronfeld believes Florida uninsured motorist coverage is such a critical issue. It has to be said, with crime on the rise and the number of accidents at an alarming rate–over 700 car crashes in Florida per day in 2007 alone–this coverage should not be overlooked.

Check out this great introductory clip about Florida auto insurance basics. This started making the rounds on YouTube in the spring of 2009, so the information is current and very helpful. Do you know what umbrella insurance is? How does Florida umbrella insurance protect you in the event of a car accident? What’s the ideal amount of coverage? Ed Carpenter explains it all.

Should you pay the extra money? Before you can answer yes or no, a bit of research is in order. Who wants to pay for extras if they aren’t needed?

The most important thing when making a decision on your car insurance policy options is to know the limits of your existing coverage for towing and roadside assistance. Does the insurance policy offer better terms?

You may wish to cancel the coverage you have on a credit card or AAA if the car insurance policy offers you a better deal. The only way to know is to read the fine print on both the service and your insurance policy. Bottom line, don’t pay twice for the same service.

Some policies are called “permissive use policies” and in cases like these your car insurance covers anyone who drives the vehicle. But other auto insurance Florida policies have tighter restrictions. Those who live with you and share your home may be covered by your car insurance while others are not.

You may feel the need to sign a waiver or deny Florida car insurance coverage to those who cause your rates to increase. Ask your Florida insurance agent for more information on such waivers.

But insurance laws don’t force Florida drivers to buy insurance in amounts large enough to save you from going bankrupt in case of a major accident. How much will you pay if your coverage is too low? Do you know what the average amount of liability insurance payouts are after a typical car accident in Florida?

When getting Florida auto insurance quotes, consider the costs of a major car accident and plan your car insurance coverage accordingly.

Even a minor car crash in Florida may cost hundreds of dollars to repair. Your liability coverage should be high enough to protect you from going in to serious debt if you get into an accident and have to pay for someone else’s damaged property. Don’t carry too little Florida liability insurance–the price you wind up paying after the wreck might be too much to handle.

Florida auto insurance minimum coverage includes a $10,000 personal injury protection policy also known as PIP for short. You must also carry $10,000 property damage liability Florida car insurance. You’ll be required to have this coverage as long as your car carries Florida tags.

Bodily Injury Liability car insurance defined:

Bodily Injury Liability coverage pays claims on serious and permanent injury as the result of a car accident. It also covers accidental death. Depending on the terms of your policy, you may also be entitled to legal counsel paid for by the Florida auto insurance company.

Property Damage Liability auto insurance defined:

In Florida, property damage liability car insurance is for an accident you or other insured drivers of your car may cause to someone else’s property as the result of an accident.

Florida Coverage

Florida coverage is defined by the Florida state government as an insurance policy created and issued in the state of Florida. Florida car insurance must be issued by an insurance company licensed by the Florida Department of Financial Services, or it is not considered Florida auto insurance.