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Miami, FL 33186

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What could happen if I have a lapse in auto insurance coverage?

The Miami, FL area is a very popular place to move to either full-time or to use as a vacation destination. If you are going to live in this community, you will want to own a car as it can make it much easier to enjoy all that the city and surrounding areas have to offer. Along with owning a car, you need to have insurance coverage at all times. If you allow the coverage to lapse, a few negative situations could occur.

No Protection for Vehicle

If you allow your insurance plan to lapse, you will end up losing your coverage for your vehicle. Having an auto insurance plan is extremely important as it will give the protection you need to repair or replace your vehicle if there is an accident or it is stolen. If you allow your plan to lapse, you could lose this protection.

Violation of Law

All drivers that are in Florida are required to carry liability insurance, which helps ensure you can cover damages that may be caused by an accident. If you allow your plan to lapse and do not renew it on time, you will lose this protection. This could put you in violation of the law, which may come with penalization. 

Having insurance in place at all times is very important. As you are looking for an auto insurance plan in the Miami, FL area, it would be helpful for you to call the Prestige Insurance Group. Choosing the right insurance plan for your vehicle is a big decision and the Prestige Insurance Group can help you by giving the support needed to fully assess your needs and options. The team can help you build a plan that will give the ideal coverage for your situation. 

Who should get an auto insurance policy in Florida?

If you live in the Miami, FL area, you likely will enjoy being able to experience all that the city and metro area has to offer. For those that are in this area of the state, it is vital that you have a vehicle that is adequately insured. There are several situations when someone will need to have auto insurance in place.

Someone with a Car Loan

When you take out a loan to purchase your car, you are going to need to stay in compliance with your own agreement. Most of the time, this is going to include carrying collision and comprehensive insurance for your vehicle at all times. If you do not have this type of coverage, you will be in default of the loan agreement.

Those Driving on a Public Road

You will also need to get auto insurance if you ever plan on driving your vehicle on a public road. In the state of Florida, drivers are mandated to carry liability insurance whenever they go out for a drive. This form of insurance coverage ensures all other parties that you are able to pay for damages if you cause an accident. Those that do not carry this form of insurance could be penalized.

As you are shopping for auto insurance in the Miami, FL area, you could find that it is hard to pick a policy. Fortunately, the team at the Prestige Insurance Group can help to make this easier for you. The insurance professionals at the Prestige Insurance Group will provide you with the advice and guidance you need to pick a new policy that provides the right coverage. 

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