HANDYMAN 
Handyman Insurance – Additional Handyman, Florida Car Insurance Options to Compare
Floridians could benefit from comparing the rates on various auto insurance options that are offered by insurers. By completing a comparison of more extensive protection, motorists may be able to find that being more adequately covered may be affordable and can be very beneficial in the event of a loss.
One such option is to consider purchasing limits above what the state requires, especially if the motorist does not have a health care plan; obtaining personal injury protection at a higher limit can help pay for medical costs for injuries sustained in a traffic accident and considering the cost for medical care, the $10,000 minimum can be used up following a serious injury. The same principal applies to property damage liability; it may only be a small difference in premium to raise these limits, but could be well worth it following a loss.
According to the Florida Department of Financial Services the state does not require motorists to carry Bodily Injury Liability, but Florida’s Financial Responsibility law does require individuals to be financially responsible for bodily injuries in the amounts of $10,000 per person and a maximum of $20,000 per accident.
The state suggests if a driver or vehicle owner does not have this amount in cash reserves, motorists may want to considering adding this coverage to a policy. It could take a long time for premiums to add up these amounts and it would be a lot better of a situation if the insurer were to pay out these amounts rather than the motorist; this will also pay for legal representation if an individual is sued.
Additional optional coverage residents may want to consider are such items as Uninsured/Underinsured Motorist which covers policyholders if they are struck by a driver who does not have adequate insurance, Comprehensive and Collision which pays for physical damage sustained by the insured vehicle, Towing which will cover the cost of a tow if the covered automobile becomes inoperable and Rental Reimbursement to pay for the expenses of a rental car if a policyholder’s vehicle will be in a repair facility or has been stolen. Floridians have many options to choose from and purchasing the policy to cover risks is a good way to protect assets; it is always a good idea to obtain quotes on additional protection to determine what can fit in a budget. Shopping around is free and it may lead to finding more extensive polices at an affordable rate.
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