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Florida Auto Insurance

Florida Car Insurance

All Florida drivers must carry both property liability insurance and personal injury protection (PIP) insurance. You can opt to purchase only minimum car insurance coverage, but most customers at Wichert Insurance find that more extensive auto coverage is affordable and worthwhile. The friendly agents at Wichert Insurance work for you, not for some big insurance carrier. We can shop around to help you find affordable coverage that truly protects you and your family on the road.

Personal Injury Protection (PIP) in Florida

Florida is a no-fault state, which means drivers are required to carry personal injury protection coverage to pay for the treatment of auto-related injuries to themselves, regardless of who is at fault for the injury.

The minimum required PIP coverage is $10,000, but higher limits are readily available and affordable. PIP will:

  • Pay for your medical costs in the event that you are injured in an auto accident
  • Pay medical costs for members of your household if they are injured in an auto accident
  • Pay medical costs if your child is injured while riding a school bus
  • Pay medical costs if you or a member of your household is involved as a pedestrian or bicyclist in an auto accident
  • Pay medical costs for passengers injured while riding in your vehicle if they do not have a car or their own PIP insurance

Other Auto Policy Options

As a full-service, independent insurance company, Wichert Insurance provides more than just liability and PIP coverage for motorists. Other auto policy options available in Florida include

  • Collision coverage to pay for accident-related damages to your vehicle
  • Comprehensive coverage to pay for the repair of non-accident-related damages
  • Towing and labor coverage
  • Rental reimbursement to help with transportation while your vehicle is being repaired
  • Underinsured/uninsured motorist coverage to protect you in case of a hit-and-run or encounter with an underinsured driver

To learn more or speak with an insurance professional, call our office during regular business hours or fill out the form below to request a quote.