As you may already know, purchasing auto coverage is mandatory if you want to drive legally on the roads. It’s important that you not only purchase a policy but also understand what circumstances will be covered. It’s quite surprising how many people do not understand what’s covered by Florida auto insurance laws.
What isn’t covered according to car insurance laws in Florida?
Let’s start with the basics. A basic policy will cover your vehicle in the event of an accident. Once your coverage kicks it, damages sustained from the accident will be paid for along with medical expenses. If your car is damaged by vandalism or a hailstorm, according to https://floridainsurancequotes.net/florida-auto-insurance/, this would also be considered as an accident.
Basic fender benders, or parking lot accidents are also covered by a policy. However, one thing insurance laws do not protect you against is normal wear and tear of your vehicle, and any mechanical issues that happen along the way.
Does my auto insurance in Florida cover any repairs?
As mentioned above, you will not be covered against regular repairs.
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Car insurance laws state that insurance will not cover your usual repairs. However, you will be covered against repairs if it is listed in your policy as a peril.
Any engine tune ups, engine repairs, oil changes, body scratches, tire replacements, and others if this was directly caused by a peril covered in your policy. If you are worried about being able to afford these repairs, look into collision coverage and maybe even comprehensive insurance.
According to https://floridainsurancequotes.net/auto-insurance/what-is-no-fault-insurance-in-florida/, collision insurance can protect you if your car collides with something other than another moving vehicle. This type of policy
Comprehensive coverage will cover some damages
So there is no way to cover regular maintenance?
You can still be covered against regular maintenance in a way. This is done by a mechanical warranty. This is coverage that is purchased with your car. However this coverage has a limited scope in what kind of repairs they cover.
The first step to protecting yourself while on the road is to understand Florida auto insurance laws. A policy will be able to cover you against any accidents on the road. If you think any additional coverage is needed, look into other options.