When you live in Ponte Vedra Beach, there is the question of needing auto insurance. It’s an expense that you would rather not pay, so is it actually required or not? The simple answer is that if you have a car on the roads, you are required to have an auto policy.

WHAT IS REQUIRED BY THE STATE?

The state of Florida requires you to have liability insurance for property damage and personal injury. There are certain dollar amount minimums that you must carry on your policy, and an insurance company will not allow you to go below these levels.

Additionally, you will want to know that if you lease a car, you may be required to have even higher levels, as well as potentially comprehensive coverage. To be sure you are compliant, your lienholder will determine what they want you to carry.

WHAT ARE PENALTIES OF NOT HAVING INSURANCE?

The penalties for not having auto insurance candy significant, especially if it is not your first offense. You may need to pay a fine, and you may lose your license. In order to gain driving privileges once again, you will need an SR 22 certificate, which can be expensive to obtain. You don't want to lose your driving privileges, therefore it is best to have insurance at all times. This way, if you are ever pulled over by the police, you will be able to show license, registration, and proof of insurance.

HOW YOU CAN CUSTOMIZE A POLICY

You have the ability to customize policy to include all of the details that you find important. This includes not only the minimum requirements of the state, but also such things as collision and comprehensive coverage. You can have under and uninsured motorist, rental car coverage, and much more as well.

You may be surprised to learn that it won’t cost that much extra to add more coverage to your policy. It may only be a few extra dollars per month to provide thousands of dollars of added coverage. This can provide you with peace of mind as you encounter various potential issues on and off the road with your auto.

Take the time to learn about auto insurance in Florida. If you plan on driving any kind of auto on the roads, auto insurance in Ponte Vedra Beach will be a requirement. Without a policy, you run the risk of having your driving privileges revoked as well as paying fines. Work with an agent to learn more about getting a policy that provides the coverage that you want so that you can be on the roads with knowledge that you are covered if something happens.