DeLand (386) 734-0800
Edgewater (386) 427-5201
Established in 1907, The Lane Group is one of the oldest insurance brokers providing quality auto insurance in Orange City, FL, for more than a century. We also offer motorcycle insurance and RV insurance for clients throughout Volusia County, including DeLand, DeBary, Deltona, and Lake Helen.
Florida law requires all motorists to carry a valid auto insurance policy underwritten by a Florida-licensed insurance carrier that meets the minimum state liability requirements for personal injury protection (PIP) and property damage liability (PDL). Our insurance agents can help new residents transfer their out-of-state policy to a Florida auto insurance policy.
The minimum required Florida auto insurance coverage is $10,000 for PIP and PDL. Also, Florida is a no-fault state which means that each insurance company is responsible for settling claims of their insured, regardless of who caused the accident. Depending on the vehicle you are driving, such as a motorcycle or RV, you may need coverage with higher limits in the event of an accident.
Many residents may not realize that Florida law requires motorists to maintain continuous insurance coverage on their vehicle, even if it is inoperable or not being driven. If a driver doesn’t renew their car insurance or if coverage lapses for any reason, the Florida DMV can suspend their driver's license and vehicle registration for up to three years, plus a $500 reinstatement fee.
Personal Injury Protection or PIP covers 80 percent of your medical expenses from injuries you sustained in an auto accident, up to the coverage limits of your car insurance policy. Property Damage Liability covers damage, up to your policy limits, that you or someone driving your vehicle causes to another person's vehicle. It is essential to have the right amount of coverage for your car, motorcycle, RV, or other vehicles. If you don’t have sufficient coverage, you could be liable for out-of-pocket costs if injuries and property damage exceed your policy limits. Our knowledgeable car insurance agents will help ensure you have sufficient coverage for the vehicles you are driving.
Visit our website or contact us today at 386-734-0800 for a free auto insurance review. We may be able to find you a better insurance policy at lower rates.
