Daffin Insurance Services: Auto Insurance in Panama City, Florida

An Inconvenient Necessity in Florida: Why is it Mandatory to Have Car Insurance?

Even the best drivers can be liable for things beyond their control out on the roads of Bay County, Florida. That’s why all drivers in Florida must protect fellow motorists by carrying liability auto insurance from Daffin Insurance Services. As a driver, even if you are a defensive driver, you might not be able to avoid every driving hazard or accident, but you can be the good guy and make sure you protect other drivers in case something should go wrong by maintaining proper liability insurance coverage. Also, having the right insurance will help you avoid fines as the state of Florida has a mandatory requirement for all registered auto, car, motorcycle, etc., drivers to carry liability insurance. It may seem like a pain to pay for auto insurance every month, but getting monetary penalties from the state of Florida transport department is most definitely worse!

Jeep parked outside a business

Daffin Insurance Services: The Insurance Agency That Works for You

If you’re searching for auto/car insurance in Panama City, FL, or its surrounding areas, your range of choices may seem overwhelming. Daffin Insurance Services is ready to help you make sense of all those choices. We offer a variety of auto insurance coverages for Florida drivers of all ages and risk levels and can conveniently find the policy that is best for you.
At Daffin Insurance, we believe a properly-written auto insurance policy should be readily understandable and easy to comprehend. That is why every single one of our independent Florida agents writes each policy with this philosophy in mind. If you don’t understand something about your car insurance policy, ask us. Daffin Insurance Services is here to answer all your questions, and to provide all the information you need to make informed decisions about car insurance in Florida.

What Car Insurance Coverages Are Required in Florida?

The state of Florida, by law, requires certain auto insurance coverages. You must have these coverages in the following minimum requirements to legally operate a vehicle:

Property Damage coverage: $10,000 per accident
Personal injury protection: $10,000

What Are the Different Types of Car Insurance?

An auto insurance policy may include many different kinds of coverages, from liability coverage to roadside assistance coverage. Daffin Insurance will work with you to find the coverages that best suit your individual circumstances and needs. We'll remain ever-mindful of your budget and strive to meet all your insurance needs in a timely, professional way. Here are the principal kinds of coverage that your auto insurance policy may include:

  • Collision and Comprehensive Coverages

    Collision coverage insures you against damage to your vehicle caused during an accident.
    Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, and vandalism.

  • Liability Coverage

    Liability coverage pays for injuries you cause to other people and damage you cause to other people's property when you are at fault in an automobile accident.

  • Medical Payments Coverage

    Medical Payments coverage pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault.

  • Personal Injury Protection (PIP) Coverage

    This coverage pays for things like medical and rehabilitative expenses, replacement services, and funeral expenses. It also pays for loss of income if you are injured in an auto accident and are unable to work.

  • Uninsured/Underinsured Motorist Coverage

    This coverage pays if you are injured by a person who is completely uninsured or doesn't have enough liability Insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.

  • Optional Coverage

    Optional or special coverages are “extra” coverage types that can be added to your auto insurance plan, such as towing, rental reimbursement, and roadside assistance.

Standard & Non-Standard Auto Insurance in Florida

At Daffin Insurance Services, we write standard and non-standard auto insurance policies alike.

What is Standard Auto Insurance Policy?

What is a Standard Car Insurance Policy? Standard auto insurance is designed to cover “preferred” and “super preferred” drivers. This group of drivers includes:

Older drivers
Drivers whose driving record indicates maturity behind the wheel
Drivers with few or no tickets and/or accidents

What is Nonstandard Auto Insurance Policy?

At Daffin Insurance Services, we know that accidents happen. That’s why we offer coverage for higher-risk, non-standard drivers, too. This group of drivers includes:

New and younger drivers
Drivers with SR22s
Drivers whose record behind the wheel indicates a lack of experience or maturity
Drivers with numerous accidents and/or tickets
Car interior

Discounted Car Insurance with Multiple Policies

If you purchase car insurance coverage through one of Daffin Insurance Services’s major carriers, there’s a good chance you’ll be eligible for discounted rates. Whether you received an insurance policy through Daffin Insurance Services or not, ask us about auto and other insurance multi-policy discounts.

For a FREE Quote on Auto Insurance in Panama City, Florida, Contact Daffin Insurance Services

At Daffin Insurance Services, we are passionate about proper auto insurance coverage. Our professional auto insurance agents in Panama City, Florida, and surrounding areas can assist you in finding the right car insurance you need. If you’re ready to start a new friendship with an auto insurance agency that cares, call Daffin Insurance Services today at (850) 769-8183. Or for a free online auto insurance quote, just fill out the "get a quote form" on our contact page.

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