Auto Insurance

In order to protect yourself from the financial impact of accidents and other liabilities in Florida, you need automobile insurance which is legally required.

What is Automobile Insurance?

Auto insurance covers damage to your own vehicle in the case of an accident, and it also covers you financially if you are liable for someone else’s injuries. It can also cover your medical bills if you or your passengers are injured by an uninsured or underinsured driver.

Do I need Auto Insurance?

Automobile insurance is required by law in the state of Florida. Driving without insurance can result in getting your license suspended, paying a fine, or even spending time in jail.

What does Auto Insurance cover?

The road is only as safe as other drivers make it, which is why auto insurance covers a wide array of things that can go wrong. Coverage includes:

  • Liability
    • If you are at fault for an accident, your insurance will cover damage done to other vehicles/objects, injuries to other drivers/passengers, and lawsuits if you are sued.
  • Comprehensive
    • This coverage protects your vehicle from events out of your control – events like theft, windshield/glass damage, vandalism, falling trees, etc.
  • Collision
    • Coverage for your vehicle if it collides with another vehicle/object or overturns.
  • Medical Payments/Personal Injury Protection
    • Coverage for medical bills if you/your passengers are injured in an accident – regardless of fault.
  • Uninsured/Underinsured Motorist Bodily Injury and Property Damage
    • These types of coverages pay for injuries caused to you/your passengers by an uninsured/underinsured driver and will pay to repair or replace your vehicle that was damaged by an uninsured/underinsured driver.

What doesn’t Auto Insurance cover?

A basic auto insurance policy will not cover:

  • Everyday wear and tear
  • Maintenance
  • People who drive your car but are not listed on your policy
  • Driving on a rideshare platform like Uber or Lyft (Special Endorsement Required)

How is Auto Insurance priced?

When considering the price for your auto policy, carriers will typically factor in your age, driving history, location, and type of car listed on the policy.

What is a Premium?

An auto insurance premium is the amount that you pay the carrier in exchange for coverage – you can pay this amount in full or in monthly installments.

What is a Deductible?

A deductible is the amount of money that you pay out-of-pocket before your carrier covers your claim.

Every driver in the state of Florida is required by law to be covered by auto insurance. Let Chapman Insurance Group get you set up with a policy that fits your lifestyle – give us a call today for a free quote.

Have a question?
Talk to an expert.

If you’re an automobile owner, we can answer all your questions. Talk to one of our agents to find a policy that works for you.

Find an agent in your area.

Providing automobile insurance in Port Charlotte, Punta Gorda, Cape Coral, Fort Myers, Bonita Springs, and Naples, Florida.

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