Do I need auto insurance in Florida?

The Clermont, FL area continues to be a popular place to move to and visit. If you are in this part of Florida, you will want to know that you can get around the community conveniently. A great way to do this is by getting your own car. Along with shopping for a vehicle, you also need to get the right insurance. There are numerous reasons to acquire auto insurance. 

Meet Florida State Requirements

A reason that you will want to have an auto insurance plan here is so you can meet requirements set by the state. There are various requirements for Florida drivers, which includes the requirement that you always carry auto liability coverage. When you have this insurance, it will ensure you can cover for damages that may be caused in an accident. If you do not have this insurance, you could face financial challenges and will violate state law. 

Protect Car

You should also get insurance to protect your car. A vehicle is a significant and vital asset, and ensuring it is supported is essential. When you get auto coverage with comprehensive support, it will provide the support necessary to replace or repair your car if it is stolen or in an accident. 

If you want to own and drive a car in the Clermont, FL area, you will undoubtedly need insurance. Once you are ready to start looking for coverage, calling our team with Singh Insurance and Financial Services LLC is a good idea. The professionals with our team at Singh Insurance and Financial Services LLC know the importance of this coverage and can offer the guidance you need to select a plan that will meet your needs. 

Your Auto Insurance Coverage Matters!

Many people wrongfully assume if someone drives an expensive car that they must have bodily injury
liability insurance, but that’s not true (except when it comes to some, but not all commercial vehicles).
Depending on the business type there are requirements to carry more bodily injury liability limits than
the current state minimum, which is zero. Nada. (This could be a terrible day for you if you don’t carry
uninsured motorists’ coverage)

Finance companies aren’t interested in protecting anything but their collateral, meaning the vehicle that
they are financing. There are many high-end cars on the road which do not carry proper insurance,
including but not limited to bodily injury liability.

What if someone is driving a rental car? Those are big companies with deep pockets.

Not anymore!

The Graves Amendment provides that a motor vehicle owner who rents or leases the vehicle to
someone else will not be held vicariously liable for the user’s actions so long as both factors are met: The
owner is engaged in the trade or business of renting or leasing motor vehicles.
(Reference, h0977z1.TIS.PDF (

What about putting a lien on someone’s home?

You cannot do that because Florida has homestead protection. That means you can’t place a lien on
someone’s primary residence if it’s a primary residence on 1⁄2 acre or less in a city or 160 acres or less if
located in the county. It doesn’t matter how large the home is.

The point of the story is to make an informed decision on your auto insurance coverage. The type of
insurance that you carry on your auto insurance MATTERS! I cannot stress enough the importance of
Uninsured motorists’ coverage, also the importance of Stacked Uninsured Motorists coverage. Just
because someone is driving an expensive car, does not mean that they have coverage to adequately
cover you if they hit you. Protect yourself and work with an independent insurance agent who can help
you decide what might be right for you.

Don’t take long and insure wrong! Contact an agent at Singh Insurance today to discuss your auto insurance policy.