If you own a car or drive in most states – including Florida – you need to carry an auto insurance policy. At West Florida Insurance, we value your safety and the safety of other drivers on the road. We’re also well aware of Florida’s legal requirements for auto insurance, and an independent insurance agency, we can help you secure the Hillsborough auto insurance you need at a price that won’t break your budget.
An auto insurance policy consists of two parts. The first part, the liability portion, covers your financial responsibility should you cause property damage or bodily harm to another person during an accident. In most states, a certain amount of liability insurance is required by law. In Florida, drivers are required to carry no less than $10,000 in property damage liability (PDL) and no less than $10,000 in personal injury protection (PIP).
The second part of your policy includes your comprehensive and collision coverage. Comprehensive coverage protects your vehicle in the event of disasters like theft or fire. Collision coverage covers the cost of losses or repairing damages that occur during an accident. You can also opt-in to additional insurance coverage, such a car rental, glass replacement and ancillary medical.
Choosing the right Hillsborough auto insurance policy is a challenge for many people. In addition to making sure the policy you choose satisfies the legal requirements, you may need to ensure that your policy satisfies the requirements of your lender as well.
At West Florida Insurance, we can help. Our independent agents work with all of the leading insurance providers, and they can find policies that are perfectly suited to just about any need or budget.
If you need auto insurance in Hillsborough or the surrounding areas, please contact the experts at West Florida Insurance today.