Best Local Car Insurance Agencies in Miami Beach

Frequently Asked Questions

• Introduction

  A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.
  

• In Miami Beach, what additional car insurance coverage is recommended for protection?

  In Miami Beach, acquiring uninsured/underinsured motorist coverage is wise, given Florida's rank as the sixth worst state for uninsured drivers. This specific protection ensures that if you're harmed by an inadequately insured or uninsured motorist, you're covered up to your policy's limits. This counters the risk presented by the one in five Floridian drivers lacking proper insurance.

• In Miami Beach, if your damages exceed your insurance policy limits, are you limited to that amount?

  It's essential for Miami Beach residents to know that even with "no-fault" insurance, they have the option to file a lawsuit against the responsible driver or their insurer for extra damages if the injuries were caused by another party. While Florida's minimal insurance requirements may fall short, experts recommend acquiring supplementary coverage. For instance, many drivers opt for a $100,000/$300,000 bodily injury policy, not obligatory but useful to safeguard against personal liability in accident cases involving injuries.

• If a car insurance claim is made in Miami Beach for more than two weeks and the vehicle is still not fixed, is this a violation of Florida state law?

  No. Florida laws don't specify a fixed period for car insurance claims to be resolved. It's crucial to maintain regular communication with your car insurance carrier in Miami Beach. If there is no progress or updates after a month, policyholders are urged to report the issue to the Division of Consumer Services' Chief Financial Officer.

• What can I do if a Miami Beach car owner disagrees with the insurer's claim denial or settlement offer?

  In Miami Beach, if insurers reject your claim, they must send a written notification. If you possess data opposing their stance, furnish it for re-evaluation. If unsatisfied with a settlement sum, gather proof to support a higher amount. Remember, you're entitled to haggle with the insurer. When disagreements persist, the Department of Financial Services can mediate.

• If an accident occurs, is there anything Miami Beach residents should know about their personal injury protection (PIP) auto insurance?

  In Miami Beach, no-fault PIP car insurance aims to reduce court claims, but its $10,000 limit often falls short, especially with medical treatments and car repairs. For instance, a hospital trip might deplete this amount. Additionally, PIP should account for lost earnings, but combined with health costs, funds diminish swiftly. When coverage is insufficient, pursuing a personal injury lawsuit may be necessary for extra compensation.

• What is car insurance?

  Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.