Auto Insurance Information

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Florida Auto Insurance

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Millions of people drive across Florida roads each day. With so many people on the move, mishaps are bound to happen. If your vehicle is involved in one of these incidents, auto insurance can provide you with the financial protection you need to help cover repairs and medical bills.

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Fulton Insurance Agency is proud to offer Floridians quality auto insurance coverage at affordable prices. As an independent agency, we can offer a variety of coverage options to meet your specific needs. We also offer specialty programs, including the teen driving program through MAPFRE Insurance, that can help you save even more on your premium.

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What Is Auto Insurance?

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Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

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Auto insurance provides property, liability, and medical coverage:

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• Property coverage pays for damage to or theft of your car.

• Liability coverage pays for your legal responsibility to others for bodily injury or property damage.

• Medical coverage pays for the cost of treating injuries, rehabilitation, and sometimes lost wages and funeral expenses.

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An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.

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Why Do You Need Auto Insurance?

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It's really all about protecting yourself financially.

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• If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.

• If you or any passengers are injured in an accident, medical costs can be extremely expensive.

• If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.

• Not only is having insurance a prudent financial decision, but many states also require you to have at least some coverage.

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Questions To Ask Your Agent

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• How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)

• What is the insurance company's level of service and ability to pay claims?

• What discounts are available? (Ask about good driver, multiple policies and student discounts.)

• What's the procedure for filing and settling a claim? (Ask whom to call and what happens after you file a claim.)