1. do i really need auto insurance?

Driving on the road and in parking lots can present a range of unforeseen circumstances. Contacting a Great Wall insurance agent allows you to make informed decisions about your policy, which not only gives you peace of mind, but also protects you from unnecessary risks.

Here are the reasons why auto insurance is essential:

• Protect your automobile investment.
• Payment of expenses incurred as a result of the accident.
• Provide legal protection.
• Provide assistance when other drivers are uninsured.
• Offset costs incurred as a result of natural disasters, theft or vandalism.
• Make you feel safe while driving or parking your vehicle.

2. Types of automobile insurance options

• Personal Injury Protection (PIP)

Personal Injury Protection (PIP) provides coverage up to a predetermined policy limit in the event you cause an accident.PIP is designed to alleviate the need to take legal action to seek reimbursement for medical expenses and other related bills resulting from an automobile accident. It is important to note that under Florida law, PIP coverage is required for motor vehicles with four or more wheels. This insurance is designed to provide financial support for medical costs and related expenses incurred as a result of an accident.

• Liability insurance for property damage

Property damage liability insurance covers costs associated with damage to another person's property while operating a vehicle. The term "property" covers items such as fences, utility poles, buildings and other vehicles. This coverage applies even if you are driving a vehicle that you do not own. It serves as a protective cushion to ensure that you have the financial resources to meet any property damage liability resulting from an accident.

• Comprehensive and Collision: Comprehensive and collision insurance work together to provide comprehensive protection for your vehicle in a variety of situations.
• Collision Coverage: This coverage protects your vehicle in the event of damage caused by collision with a variety of objects, from other vehicles to trees or walls.
• Comprehensive Coverage: This coverage covers a wider range of situations besides collision. It pays for damage to your vehicle caused by factors other than collisions or bumps. This includes situations such as theft, vandalism, and natural disasters.
• Comprehensive and collision insurance work together to ensure that your vehicle is fully protected against a wide range of potential risks and losses.