The Need for Orlando Car Insurance

Orlando car insurance keeps you expenses from a car accident from circling out of control.

Orlando car insurance is there to protect you when you don’t even realize you need it.

Car accidents happen in Florida, we all know that. But, few of us really put much thought into getting into a car accident until the metal has already crunched. And it’s for times like those that you need to be grateful that you have Orlando car insurance coverage, even if you were forced to have it.

Forced Orlando Car Insurance

Yes, you have to have car insurance. In most states car insurance is required to make sure that the other people on the road with you are protected from your negligence or accidents that you may cause. There is usually no coverage required that protects you in the event of an accident.

In Florida though, you are required to purchase coverage that protects both you and the other person. Florida is one of a very small number of states that require this.

These unique coverages that they require you to have on your Orlando car insurance are:

• $10,000 personal injury protection (PIP)
• $10,000 property damage liability (PDL)

The PIP is to pay for your injuries, regardless of who was at fault for the accident, and the PDL pays for the other person’s damages that you cause.

Orlando Car Accident Statistics

Just for those that are curious or don’t believe that they need car insurance coverage, here are some accident statistics for Orange County and Orlando.

Over the last three years, there has been an average of 20,009 car accidents a year in Orange County alone. During this same period there was an average of 137 fatalities a year. In just 2012, there were 21,460 car accidents in Orange County, which was an increase of 12.43% from 2011. In 2012, there were also 150 fatalities.

For just Orlando, they had 7136 car accidents in 2012.

Broken down, that’s around 59 car accidents a day in Orange County for 2012, and 19 a day just in the city or Orlando.

(Figures from the Florida Department of Transportation)

What Other Orlando Car Insurance You Need

The coverages that the State of Florida requires on your Orlando Car Insurance only cover those two things that we discussed above. There is no coverage for the damages to your vehicle, no towing coverage, no rental car coverage, and if the other person’s property damage is above $10,000 there is no coverage for that either.

To make sure that you are properly protected if you get into a car accident, you need to make sure that you have the right coverages. To find out what coverage is best for you and your budget, contact your local Orlando car insurance agent.