What You Need For Auto Insurance

by | Apr 17, 2013 | Insurance

You know that it is important for you to have auto insurance in Fort Myers. It is required by law for all of the states, but each state has different laws on what kinds and how much auto insurance that you should have. Here are some of the options that you have when you go and buy auto insurance in Fort Myers.

Auto Liability Coverage

Auto liability coverage is one of the options that you can choose if you are looking to buy auto insurance in Fort Myers. It will cover and pay for any damage if you are the one that is responsible for the accident. This includes coverage for injuries to people, damage to the other vehicle, and damage to any other property. It will also cover legal defense and court costs associated with the accident. This insurance is usually the minimum that is required by most states

Personal Injury Protection

Another form of auto insurance in Fort Myers is Personal Injury Protection. This type of auto insurance pays any and all necessary medical expenses that are both reasonable and caused by the accident. It can also help pay for things such as lost earnings, funeral expenses and rehabilitation.

Medical Payments

Medical payments coverage has many of the same benefits that are covered under personal injury protection so it is important to look at your policy before purchasing this auto insurance so that you are not paying twice for the same thing. Medical payments will cover necessary medical expenses, and in some cases, funeral costs, for any individual that is covered by the policy.

Collision and Comprehensive Insurance

Collision repair helps to pay for any damage to a car that is caused by running into another vehicle, collision with another object and a vehicle rollover.

Comprehensive insurance pays for any loss or damage that happens to a car that is not covered by a collision. These might include damages caused by fire, wind, hail, theft, vandalism, and hitting an animal. Both of these plans are usually put together on a policy and they both need to meet a deductible.

Uninsured & Underinsured Motorists

This type of auto insurance in Fort Myers is an added bonus for you. If the other driver is the responsible for the accident but is not insured, or does not have adequate insurance, this insurance will still cover you if you are injured.

Emergency Road Service

No one wants to be stuck on the side of the road without having any options or help. In addition, they really do not want to pay an expensive tow bill to get their car moved if it breaks down. Many auto insurance companies offer emergency car side services that will contact a towing service in your area for you and cover all of the costs of the tow.

If you are interested in auto insurance Fort Myers contact Your Florida Insurance Agency. They can provide you with an auto insurance quote and let you know what the best options are for you. Contact them at 239.278.1700.

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