Auto Insurance in Naples FL is one of those things that no one really likes having to pay for, but it is something that everyone has to have. Depending on whether or not you have a lien on your vehicle, you may even have to have full coverage, or insurance that will replace the vehicle if there is an accident. Different policies cover different things. All states in the United States require drivers to carry liability coverage. Full coverage will cover your vehicle in case another driver’s insurance is insufficient. And of course, everyone worries about running across that driver who neglects or declines to carry insurance.
The fact that it is a crime to not have insurance on your vehicle doesn’t seem to deter some people. There isn’t much that is more frustrating than being hit by someone who doesn’t have insurance, particularly if you have no fault in the accident whatsoever. One example of this is being rear-ended, especially if the other driver is following too closely (tailgating). Tailgating is a crime in most places, but even if there isn’t a law against it in the area of the accident, it is still a dangerous practice.
And, the driver that is tailgating is typically thought to be at fault in the accident. If that driver is uninsured (or in some cases, simply ‘underinsured’, meaning the amount of coverage isn’t enough, which may depend more on the make and model of the other vehicle), it falls to the person who was rear-ended to make up the difference with their own insurance.
For all of these reasons, it is important to have the best Auto Insurance in Naples FL possible. Having a good agent who will fully answer any questions is also important. The coverage does not mean much if one doesn’t understand how the process of a claim works, or what a claim will mean for his or her insurance. There are some instances, where little damage is done, but the other driver is uninsured, where an individual may be better off not filing a claim at all. It is the mark of a good insurance agent to let their client know that sort of thing.