Quote:
Originally Posted by Jdburns11
Been here almost a year; the only thing that makes me want to throw up more than Car Shield commercials are the insane amount of accident attorneys asking you to call them for almost any reason whatsoever. So my serious question(s) is/are this:
Is Florida for some reason by state law or statute easier to sue or take people to court for gross amounts of money than other states? I know “it depends” but should I consider increasing liability limits even more outside of what I would normally do for coverage based on assets & such? I’m not scared to drive & have a clean record, but I think about it all the time.
… and for what it’s worth - did everyone else’s car insurance rates go up 10-20% without any claims or driving record infractions for 2022 or is it just me?
Appreciate any considered thoughts, opinions, insights or perspectives!
Respectfully, DB
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Last year, my Allstate auto insurance increased by 32 percent with no claims. So, I switched to State Farm and my premium dropped to less than half of the Allstate premium. Go figure. I have very high liability limits on my auto and homeowners insurance. Some insurance companies will not even sell you more than $250K in liability coverage without buying an umbrella policy. Other companies will sell you up to a million. If your liability limit is too low, your insurance company will not even defend you in court. They will just pay off the limit and leave you to defend yourself.
Note that Florida is a state that does not require uninsured motorist insurance. I know that some people will disagree, but I have zero uninsured motorist insurance. It provides no additional liability protection for you, and it is basically redundant with your health insurance. In fact, if you have an accident with uninsured motorist insurance, Medicare and other health insurance become secondary, and they will not pay your health claims until the auto policy pays off. In my opinion, that is one way to save money on auto insurance.