Auto Insurance

Like other types of insurance, auto insurance is designed to protect the individual and cover financial losses in the case of an accident, whether it’s the fault of the owner of the car or someone else. Though the rules for the required types of coverage vary from state to state, according to the Florida Department of Highway Safety and Motor Vehicles, Florida’s minimum coverage is $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL). Unfortunately, these minimum amounts are not enough to cover even a minor emergency room visit, nor do they cover the liability of the insured in any way.

Also referred to as “Florida No Fault Insurance,” PIP covers you, your child and other members of your household. The policy also covers you and your family members if you are injured riding in someone else’s motor vehicle, and when you are a pedestrian or a bicyclist. PDL coverage pays for damages you or your family members cause, and are liable for, to other people’s property during the crash of a motor vehicle.

Auto Insurance Rate Check

Let Valiant perform an annual rate check for you, to make sure the policy you have is still the best option.

Choose a top-rated insurer for your policy. As your Valiant adviser will explain to you, some companies are better than others in dealing with claims, payments and other issues. 

Reduced Mileage May Give You a Reduced Rate

Change your policy if your daily mileage is reduced. Maybe you’ve changed jobs or begun working from home. If you’re driving your car less, you may qualify for a lower premium.

Before you buy a new car, compare the data about relative collision insurance coverage. Your Valiant agent can advise you on this.