jacksonville car insurance

How to Remember Facts After Car Accident

Anyone who’s ever been in a car accident is familiar with the feelings that come immediately after – shock, shakiness, accelerated heart rate and mental fog. This is how the body responds after a traumatizing event. With so many thoughts racing through your mind, it’s no wonder the details might be blurry in a matter of hours or days after the car accident.

How to File a Car Insurance Claim

Speed Up Your Insurance Claim

Gather Information

The critical part of making the insurance claims proccess run smoothly starts at the scene of the accident. The information you’ll need to get from the other involved parties are:

After a Car Accident

Florida Car Insurance Requirements and Coverage

Minimum Insurance Requirements in the State of Florida

Florida is a “no-fault” state. This means that if you are injured in a car accident, your FL car insurance will pay your medical costs up to your policy’s limits, regardless of who caused the accident. The insurance minimums were put into law with the intention that every Florida driver at least has some protection through their car insurance. Florida state minimum requirements for car insurance include:

New Vs. Used Car Insurance Rates

Car Insurance for New Cars

There are many advantages of buy new cars over pre-owned cars. No mileage, clean record, and newer safety features can help lower your premiums. New cars tend to need less maintenance and have more accessible parts in case they need to be replaced using comprehensive coverage. With that said, a new car is an expensive car and the more expensive the car, the higher your overall car insurance rates will be.

Reasons to not lie to your insurance company

1. Lying Can Void Your Policy.

Let’s say you have a medical condition. It’s not serious but it’s still pre-existing. You inadvertently (or purposefully) omit the condition from your health insurance application. Then, through a series of unfortunate events, it comes to light that you’ve had this condition, known about it, and didn’t disclose it. This omission could void your health insurance policy.

2. Lying Won’t Get You Low Cost Insurance.

Teen driver insurance

Bodily Injury Liability

What is Bodily Injury Liability?

Bodily injury insurance is one of two coverages that fall under a larger umbrella of liability insurance. The other coverage under liability insurance is property damage coverage. Liability car insurance does not protect you and your vehicle, but instead it will protect you financially for damage you cause to others.

What Does Bodily Injury Liability Cover?

Comprehensive Insurance

What is Comprehensive Insurance and What Does Comprehensive Insurance Cover?

Comprehensive car insurance covers any damage to your vehicle that did not occur from a fender-bender or from one car driving into another one. Examples of incidents that would fall under comprehensive auto insurance include natural disasters such as hurricanes or earthquakes, fire, vandalism, theft and falling objects, among others.

How Does Comprehensive Insurance Work?