If you have filed a car insurance claim to recover money for property damage to your vehicle, bodily injury or both, you will need to negotiate a car accident settlement to get the payout you deserve. Negotiating a car accident insurance settlement is not difficult if you are comfortable and prepared. When you negotiate your car accident settlement, you will need to work closely with an insurance claims adjuster who is responsible for investigating the accident and deciding what the company will pay.
TIP:Insurance claims adjusters have a car accident settlement range
Please note that these are a general explanation of the meaning of terms used in relation to car insurance. Your insurance provider may use different wording and you should read the terms and conditions of your policy carefully to understand what you are and are not covered for. Refer to the product disclosure statement (PDS) from your provider.
What is Account-keeping fee / Ongoing fee?
It is a monthly account-keeping fee that is charged by the lender to cover the administration cost of maintaining your car insurance policy. Alternatively, you may be charged an annual fee rather than an ongoing account-keeping fee.
What is Agreed value?
The Agreed Value is the sum for which your car is insured, which has been fixed by agreement between the insurer and the car owner. The option for your sum insured is to insure your car for the market value (see
1.Up to 10% discount consists of 5% saving for online purchases, applicable first year only. Up to 5% off if you choose to exclude drivers under 25. New policies only. Minimum premiums may reduce savings discount. +$50 Kogan.com Credit offer: Valid for Comprehensive Car Insurance, Pay As You Drive Car Insurance, combined Home and Contents Insurance and combined Landlords Building & Contents policies only. Kogan Insurance reserves the right to amend, extend or withdraw this offer at any time. Kogan.com Credit (Credit) will be sent to the e-mail address of eligible policyholders after 45 days of payment of their first monthly/annual premium. Policy must remain active and must not have been cancelled or refunded within that 45 day period. The customer must provide a valid email address at the time of purchase to receive this Credit. Credit can only be claimed through a Kogan.com account. If you do
AAMI Home Building and Home Contents Insurance, Landlord Insurance, Strata Insurance, Car Insurance, Motorcycle Insurance, NSW and SA CTP Insurance, ACT MAI Insurance, Caravan Insurance, Business Insurance and Travel Insurance are issued by AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI) trading as AAMI.
AAMI Life Insurance products, other than in some circumstances the Redundancy Benefit, are provided by either Asteron Life & Superannuation Limited ABN 87 073 979 530, AFSL 229880 (Asteron) or by TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life) which is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). Both Asteron and TAL Life are part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). TAL companies use the AAMI brand under license. Redundancy Benefit issued on or before 31st March
All product information displayed on this website is subject to policy terms and conditions (including eligibility criteria, exclusions and limitations).
The Insurer for general insurance products (unless otherwise specified) is The Hollard Insurance Company Pty Ltd (ABN 78 090 584 473) and for all life insurance products is Hannover Life Re of Australasia Ltd (ABN 37 062 395 484). Any advice provided is general only and may not be right for you. You should carefully read the relevant Product Disclosure Statement (PDS) to ensure the product is right for you. A copy of each PDS
Florida law requires residents of FL to have car insurance. You must purchase the minimum coverage amounts for both personal injury protection (PIP) insurance and property damage liability (PDL) car insurance.
Luckily, Florida offsets this coverage requirement by offering some of the lowest car insurance coverage minimums in the country.
Learn more about Florida’s car insurance requirements, the effects of traffic violations on premium costs, and how to get the best quotes on car insurance available.
FL Auto Insurance Requirements
Florida is a
no-fault insurance state. If you are injured in an accident, your car insurance will pay your medical costs up to your policy’s limits, regardless of who caused the accident.
minimum limits for Florida car insurance coverage are:
$10,000 of no-fault or personal injury protection (PIP) insurance.
$10,000 of property damage liability (PDL) insurance.
*Note: In Florida, Allstate agencies are authorized to represent a number of companies that are part of the Allstate family. Through these separate and distinct companies a wide variety of insurance products are available. For example, auto insurance in Florida is available from Allstate Insurance Company, Allstate Indemnity Company and Allstate Property and Casualty Insurance Company(Home Office:Northbrook, IL). Property insurance, such as homeowners, condominium owners and renters insurance is available in Florida from Castle Key Insurance Company and Castle Key Indemnity Company(Home Offices: St. Petersburg, FL).
It’s important to note that Castle Key Insurance Company and Castle Key Indemnity Company are separate and distinct companies from each other and from Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company and Allstate Life Insurance Company. This means, for example, that property insurance products provided by Castle Key Insurance Company and Castle Key Indemnity Company are not underwritten or