An Inconvenient Necessity in Florida: Why is it Mandatory to Have Car Insurance?
Even the best drivers can be liable for things beyond their control. That’s why all drivers in Florida must protect fellow motorists by carrying liability auto insurance. As a driver, you might not be able to avoid every driving hazard or accident, but you can be the good guy and make sure you protect other drivers in case something should go wrong by maintaining proper liability insurance. Also, having the right insurance will help you avoid fines as the state of Florida has a mandatory requirement for all registered motor vehicles to carry liability insurance.
Kretschmer Insurance Agency: The Insurance Agency That Works for You
If you’re searching for auto insurance in St. Lucie County, Indian River County or Martin County Florida, your range of choices may seem overwhelming. At Kretschmer Insurance Agency, we can help you make sense of all the options. We offer a variety of auto insurance coverages for Florida drivers of all ages and risk levels.
We believe a properly-written auto insurance policy is readily understandable and easy to comprehend. Our independent Florida agents write each policy with that philosophy in mind.
If you don’t understand something, ask us. Kretschmer Insurance is here to answer all your questions, and to provide all the information you need to make informed decisions about car insurance in Southeast Florida.
What Car Insurance Coverages Are Required in Florida?
The state of Florida by law requires certain auto insurance coverages. You must have these coverages in the following minimum requirements to legally operate a vehicle:
- Property Damage coverage: $10,000 per accident
- Personal Injury Protection: $10,000
What Are the Different Types of Car Insurance?
An auto insurance policy can include many different kinds of coverages. We'll work with you to find the coverages that best suit your individual circumstances and needs. We'll remain ever-mindful of your budget and strive to meet all your insurance needs in a timely, professional way. Here are the principal kinds of coverage that your policy may include:
Collision and comprehensive (other than collision) coverages
Collision coverage insures you against damage to your vehicle caused during an accident. Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, and vandalism.
Liability coverage pays for injuries you cause to other people and damage you cause to other people's property when you are at fault in an automobile accident
Medical Payments coverage
Medical Payments coverage pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault
Personal Injury Protection
This coverage pays for things like medical and rehabilitative expenses, replacement services, and funeral expenses. It also pays for loss of income if you are injured in an auto accident and are unable to work.
Uninsured/Underinsured Motorist coverage
This coverage pays if you are injured by a person who is completely uninsured or doesn't have enough liability Insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.
Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance.
Standard & Non-Standard Auto Insurance in Florida
At Kretschmer Insurance, we write standard and non-standard auto insurance policies alike.
What is Standard Auto Insurance Policy
What is a Standard Car Insurance Policy? Standard auto insurance is designed to cover “preferred” and “super preferred” drivers. This group of drivers includes:
- Older drivers
- Drivers whose driving record indicates maturity behind the wheel
- Drivers with few or no tickets and/or accidents
What is Nonstandard Auto Insurance Policy?
At Kretschmer Insurance Agency, we know that accidents happen. That’s why we offer coverage for higher-risk, non-standard drivers, too. This group of drivers includes:
- New and younger drivers
- Drivers with SR22s
- Drivers whose record behind the wheel indicates a lack of experience or maturity
- Drivers with numerous accidents and/or tickets
Discounted Car Insurance with Multiple Policies
If you purchase car insurance coverage through one of Kretschmer Insurance’s major carriers, there’s a good chance you’ll be eligible for discounted rates if you already have other policies with us. Whether you’re already a policyholder with Kretschmer Insurance Agency or not, ask us about auto insurance multi-policy discounts.
For a FREE Quote on Auto Insurance Contact Kretschmer Insurance
At Kretschmer Insurance Agency, we are passionate about proper auto insurance coverage. Our professional auto insurance agents in Ft Pierce, Florida, serve St. Lucie County, Indian River County, Martin County and Okeechobee County Florida areas, and can assist you in finding the right car insurance you need. If you’re ready to start a new friendship with an auto insurance agency that cares, call Kretschmer Insurance Agency today at (772)467-6656. Or for a free online auto insurance quote, just fill out the "get a quote form" on this page.
Kretschmer Insurance: A Passion for Proper Coverage