In order to protect yourself as well as the vehicle you drive, you will need auto insurance. The question you may have, however, is how much car insurance do you need. The fact is that this is fairly easy to figure as the state of Pennsylvania, like all states, have minimum requirements for the amount of coverage you need to have. In addition, any insurance company that sells auto insurance in the state must offer at least the minimum coverage. However, there are higher levels and different features of Auto insurance in St. Augustine that you can choose. Here are a few things you’ll need to know.
Another type of coverage is tort insurance. In St. Augustine, you are only required to carry limited tort coverage. Limited tort allows you to sue someone following an accident, but there are caps on how much you can sue a person for. Full tort coverage offers you the ability to sue someone for pain and suffering without a cap on the amount of money you can ask for.
As you can see, having the bare minimum will help you to meet the legal requirements for Auto insurance in St. Augustine but this coverage might not be the best option for you. It may be an affordable way to get insurance, but there may be gaps in your coverage, which could come back to haunt you.
If you need to know more about what types of coverage are right for you, it’s best to speak with one of the insurance experts at the ThompsonBaker. They can help you to understand what coverage you might be lacking and which types of coverage you should increase or add on to your existing policy.
