Common Misconceptions About Car Insurance Coverage in Florida

When it comes to auto insurance in Bradenton, FL, many people are influenced by misconceptions about what is and isn't covered. Understanding the truth behind these myths can help ensure you’re fully protected. Here are some common myths debunked:

• Myth 1: Basic Coverage is Enough

  • While the state requires basic liability coverage, this is often not enough to protect you in all situations. Comprehensive or collision coverage can offer more protection in case of accidents or natural disasters.

• Myth 2: Your Insurance Follows the Car

  • Some believe their insurance will automatically cover any car they drive. However, your auto insurance policy typically only covers the car listed in your policy. Make sure to add any new or temporary vehicles.

• Myth 3: Older Cars Don’t Need Full Coverage

  • It’s a common myth that older cars don’t need full coverage. While it’s true that older vehicles might not need as much coverage, having full coverage can protect against theft, fire, or damage.

• Myth 4: A High Deductible Means Lower Premiums Always

  • While a high deductible can lower premiums, it also means higher out-of-pocket costs in the event of a claim. Evaluate your financial situation before opting for a higher deductible.

• Myth 5: All Accidents Raise Your Premium

  • Not all accidents affect your premium. If you’re not at fault and your insurance policy has accident forgiveness, your rates might not increase.

Understanding these myths can help you make an informed decision when choosing auto insurance in Bradenton, FL, ensuring that you have the right coverage.
If you're confused about what your auto insurance should cover, contact Boyd Insurance today for a personalized consultation!