Florida operates a little differently than other states in the country. The minimum car insurance is a 10/10 ratio. This means you need $10,000 for personal injury protection and $,10,000 for property damage liability coverage. Since Florida is a no-fault state, there isn’t one driver that will be held responsible for the financial consequences of an auto accident. This also means you are not required to have bodily injury liability coverage. This coverage would normally cover anyone else’s medial bills if they have gotten injured in an accident where you were found to be at fault. Instead, the car insurance provider you choose will cover you and anyone else you have included in your coverage, regardless of who caused the accident

Even if it is not required, you may want to consider adding bodily injury liability coverage or discussing the benefits  with your agent at NEA Insurance Group LLC. If you do get this coverage, then you will need $20,000 for bodily injury for two or more in a single crash and $10,000 for a single inury or death.

Optional Coverages

This coverage provides peace of mind if you are ever in an accident caused by a driver who does not have insurance

or Personal Injury Protection, can help in case of an accident, car theft, or automotive misfortune.

To cover the costs of a rental car while your car is being repaired.

Helpful if you are financing or leasing a vehicle. This will help cover the gap between the depreciated value and the total new value of your vehicle if it a total loss were to occur.