Different states have different requirements for the state minimum of auto insurance coverage. The minimum requirement to obtain a Florida license plate in Miami Beach, FL is $10,000 personal injury protection and $10,000 property damage liability. To determine if more coverage is needed, one must understand what Miami Beach, FL minimums include.
The personal injury protection insurance, or Florida No Fault Insurance, covers you regardless of fault, up to the limits of your policy. That also covers children, members of one’s household, and certain passengers, who lack PIP insurance, as long as they do not own a vehicle. Personal injury protection covers people even when they are not in their vehicle. It even covers your children if they are injured on a school bus. There is also bodily injury liability insurance. That pays for serious and permanent injury or death to others when you cause a crash that involves your vehicle. Even when driving someone else’s vehicle, you are covered, and it covers others who drive your vehicle with permission.
There is also property damage liability insurance that pays for damages you or your members of your family cause to other people’s property in a crash that involves a motor vehicle. Every state has the minimum coverage that is needed to drive a vehicle, but that does not mean one should stop there. There are other great coverages that can be added to your policy that will help to cover you in other situations, and that will make the out of pocket amount less. In the end, it is always better to be safe than sorry.
In Miami Beach, FL, the weather is starting to get cooler and fall is in the air. With winter quickly approaching, it is not all fun and games if you want to prep your home for the colder months. Use these tips from Assure-Us to make sure your home is ready for winter.
- Get your heater checked. Even though you may not use your heater much in Florida, there may be a cold snap or two. You do not want to turn on your heater just to find out there is an issue and you have to get it repaired. Before you need it this winter, have an electrician come out and perform some maintenance. It is better to have this checked on before it gets cold. While you are at it, you may even want to change your air filters.
- Clean out your gutters. During the fall, there are lots of leaves that fall to the ground. These leaves can easily get into your gutters and clog them up. Once all of the leaves have fallen, you should clean out your gutters so they can continue to work properly. When they are clogged, you will not have the proper drainage and it can cause some big issues later such as roof problems, leaks, and more.
- Get a great home insurance policy. The best way to protect you home all year long is with a great insurance policy. If you do not have one already, you should take the time to get one now. A great home insurance policy can protect you from countless things and it is always a good idea to protect your biggest investment.
Contact Assure-Us, serving Miami Beach, FL, today to get a free quote and explore your options. We will even take a look at your current home insurance policy to ensure you do not have any gaps in coverage.