Auto Insurance in Tallahassee and Havana, FL
Insuring Drivers in Tallahassee, FL
Auto insurance can help provide valuable financial protection. Our agency can help you get appropriate auto insurance coverage with personalized advice and support.
Contact McKee Insurance Agency today to learn more about your auto insurance options.
How Much Auto Insurance Do I Need?
In Florida, drivers are required by law to carry a minimum amount of auto insurance coverage to operate a vehicle on the state’s roads legally, including the following:
- Personal injury protection (PIP) coverage may help pay for medical expenses and lost wages for you and your passengers in the event of an accident, regardless of who is at fault.
- Property damage liability (PDL) coverage may help pay for damages you may cause to someone else’s vehicle or other property in an accident.
It’s important to note that if you cause a severe accident resulting in significant injuries or property damage, the minimum required coverage may not be enough to cover the costs entirely.
It’s important to review your coverage options and work with an experienced insurance agent to determine the right types and amounts of coverage for your individual needs and budget.
What Does Auto Insurance Cover?
Auto insurance policies may include several types of coverage, including:
- Liability coverage may help pay for damages or injuries you may cause to others in an accident.
- Collision coverage may help pay for damages to your vehicle if you are in an accident, regardless of who is at fault.
- Comprehensive coverage may help pay for damages to your vehicle unrelated to an accident, such as theft, vandalism or weather-related damage.
- Uninsured/underinsured motorist coverage may help protect you if you are in an accident with a driver who does not have enough insurance to cover the damages or no insurance at all.
Our agents can help you assess your coverage needs and recommend policies that provide the right types and amounts of coverage to protect you and your vehicle. We can also help you identify any potential gaps in coverage and offer solutions to address those gaps.
What Does Full Coverage Auto Insurance Cover?
If you have a car loan or lease, your lienholder or leasing company may require you to carry full coverage auto insurance as a condition of the loan or lease agreement.
Full coverage typically includes liability coverage, collision coverage, and comprehensive coverage. Your lienholder may also require guaranteed asset protection (Gap) insurance, which may help pay off your vehicle if it is a total loss after a covered accident.
It’s important to review your loan or lease agreement and work with your insurance agent to ensure that you have the appropriate types and amounts of coverage to meet the requirements of your lienholder or leasing company.
Contact Us
Contact McKee Insurance Agency in Tallahassee, Florida, for appropriate auto insurance coverage and a personalized quote.
Additional Resources
Auto Insurance Basics (Insurance Information Institute (III))
Car Insurance Consumer Guides (National Association of Insurance Commissioners (NAIC))
Auto Insurance Shopping Tool (The National Association of Insurance Commissioners (NAIC))
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