Due to rising costs of medical care and vehicle repair, Florida motorists may want to consider adding more coverage to their existing auto insurance policies. More coverage will provide motorists with more protection and peace of mind.

The rising costs of medical care and vehicle repair may create trouble for some Florida motorists. Currently, many Florida drivers only have the minimum amount of coverage required by Florida law because they want to keep their auto insurance costs low. While this may seem like a great way to save money, it may not be a good idea. Traffic accidents can be much more costly than anticipated, and it is important for Florida motorists to have the appropriate amount of coverage to cover both medical and vehicle expenses if they happen to be at fault. Should the damage you cause cost more than the minimum insurance you carry, you will be required pay the additional expenses and your assets could be in jeopardy. While the minimum amounts required by the state may be sufficient to cover the expenses that result from some traffic accidents, there may be incidents where the minimum required amount will not cover the entire cost of the incident. If a tragic accident occurs, Florida drivers will not only have to pay their deductible but will also have to cover the additional costs of medical care and vehicle repair. Being forced to do so can be financially devastating to a family.

According to the Florida Department of Highway Safety and Motor Vehicles, Florida drivers are only required to carry $10,000 in Personal Injury Protection (PIP) and $10,000 for Property Damage Liability (PDL). PIP will cover personal injury that is inflicted on you, your children, members of your household, and certain passengers who lack PIP Insurance. PDL coverage pays for damages that you, or members of your family, cause to other people's property in an accident involving a motor vehicle. This required amount of coverage may seem like enough to protect you and your family from paying additional out-of-pocket expenses, but traffic accidents can cause serious damage to the vehicles involved and to those involved in the crash.

Having a policy that will cover the costs of both vehicle repair and medical care will save Florida motorists a considerable amount of money and grief. Purchasing additional cover will allow Florida drivers to drive with more confidence and an increased feeling of security. Florida drivers should discuss the possibility of increased coverage with a licensed insurance agent to determine what level of coverage is right for their family.