AUTO Insurance Miami
Florida Automobile Insurance
Florida PIP Insurance
When you move to Miami you’ll need insurance, especially auto insurance. Because of the congestion the risk of a fender bender is high. Plus, Florida has a state law all vehicles must have insurance, at least, PIP or Personal Injury Protection. That’s all you need for Miami auto insurance.
If you don’t have insurance when you go to the DMV for your drivers license, they won’t let you have one until you can prove you have auto insurance. You’ll need to look around to find the best Miami auto insurance rates.
It makes sense to have insurance on your vehicle in the 9th most congested city in the nation. There over a half a million people in Miami, and that means the risk of an accident is quite high. Even if all the people are pleasantly natured there’s still going to be a chance of an accident. It’s best to cover your automobile with insurance.
The premiums might be a little higher than other cities in Florida, but they offer the same coverage. That means you need at least minimum coverage of $10,000 for bodily injury per person, $20,000 total bodily injury liability and $10,000 in property damage.
One thing you do have to be aware of is Miami is the highest rated city for auto theft. Guarding against this with auto insurance is the best way to deal with this problem.
You will need to check around as the recession gets worse, so does the fraud. Be sure the Miami auto insurance company you finally choose has a good reputation. There are a number of PIP companies dealing in fraud and abuse and not only with auto insurance. You won’t know they have taken you for a ride until you try to make a claim. Just check out the company before you start handing over your payments. Always make sure you’re dealing with a reputable company, or else it could cost you thousands.
Commercial Auto Insurance Florida
Finding the right commercial auto insurance in Miami can save your company a ton of money. We can help you find commericial auto insurance that will cover what you need covered.
Since Florida and Miami in particular, is the number one destination of vacationers, the congestion on the roads is tremendous. Tourists are all over the road reading maps instead of watching where they are going. The risk to your vehicle is great for an accident. Commercial auto insurance rates in Miami are a little higher than other states due to the congestion, but we can help you find the right coverage.
We can customize your policy just for your company. Commercial auto insurance is not the same as regular auto insurance. The liabilities are different as well as the collision and theft. Plus, since you’re a company, your automobiles will have different drivers. Your policy should cover a more comprehensive set of items.
The insurance company will take into account the miles on each vehicle, the number of vehicles, the number of drivers, the record of the drivers and other items to be calculated into the policy premium. You’ll also be asked what type of coverage you want such as auto repair, medical bills, uninsured drivers, and property damage. Plus, how much on each for a deducible and payout for each one of the items. As a company, you’ll need more than PIP for each car. You’ll need a comprehensive auto insurance policy that covers most things that can happen to the vehicle in case of an accident, in addition to covering your commercial liability.
Don’t forget to include theft in your Miami auto coverage. Miami is the number one city for auto theft in the nation. The best policy is one that covers theft and collision for your commercial auto insurance in Miami.