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Auto Insurance in Fort Myers, FL

Car insurance can help provide valuable financial protection for drivers. Your car insurance coverage can be tailored to your needs, so working with an experienced agent who can help you get appropriate insurance is essential. Contact Wilcox Family Insurance in Fort Myers, Florida, to learn more about your auto insurance options.

How Does Auto Insurance Work?

A car insurance policy is a contract between a policyholder and an insurer that provides financial protection in case of a covered event. The policyholder pays a premium, and the insurance company agrees to pay for any damages, injuries or losses resulting from a covered event up to the policy’s limits. The coverage, premium and deductible amount vary based on the policyholder’s needs and the type of coverage they choose.

What Auto Insurance Is Required By Law?

Each state determines how much auto insurance is required for resident drivers. These rules can seem complicated, so it’s crucial to work closely with an agent licensed to sell auto insurance in Florida so you can get help understanding the car insurance coverage requirements.

Florida requires drivers to carry minimum property damage liability insurance and personal injury protection (PIP) coverage. Your agent may recommend that you purchase additional coverages and endorsements to help build an insurance policy to meet your individual needs.

Additionally, if you finance or lease a vehicle, your lender or leasing company typically requires that you maintain full coverage insurance, including comprehensive and collision insurance.

How Do Auto Insurance Deductibles Work?

Auto insurance deductibles are the amount you agree to pay before your insurance company starts to pay for certain damages. The deductible amount you choose determines the portion of the risk you take on as the policyholder. For example, if you have a $500 deductible and your car incurs damages of $2,000, you pay $500 before your insurance coverage kicks in.

How Do Auto Insurance Claims Work?

The auto insurance claims process may vary by insurer and the type of claim, but in general, auto insurance claims begin when you report an incident, such as an accident or theft, to your insurance company. The insurance company then typically assigns an adjuster to investigate the claim. Once the adjuster completes their investigation, the insurance company will approve or deny the claim and issue payment according to the policy’s terms if approved.

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Contact Wilcox Family Insurance today to learn about discounts and get a personalized car insurance quote.

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