Understanding Non Standard Auto Insurance in Florida

When it comes to auto insurance, consumers in Florida have many options. From the traditional standard policies to more specific non standard insurance coverage, everyone can find the best fit for their needs. But what is non standard auto insurance in Florida and what does it cover? Here is what you need to know about this type of coverage.

What is Non Standard Auto Insurance?

Non standard auto insurance is a form of car insurance that is typically purchased by drivers who are considered to be high risk. It is a type of policy that is not provided by the traditional carriers and is often more expensive than standard coverage. Individuals who may be required to obtain non standard auto insurance include those with a poor driving record, a history of claims or accidents, and those who are considered to be high risk due to their age or type of vehicle.

What Does Non Standard Auto Insurance Cover?

Non standard auto insurance typically covers the same types of items as standard auto insurance. This includes liability coverage for bodily injury and property damage, as well as medical payments and collision coverage. Some non standard policies may also provide uninsured motorist coverage, which is designed to protect you in the event you are involved in an accident with an uninsured driver. Additionally, some non standard policies may offer additional coverage such as rental car reimbursement, towing and labor, and coverage for custom parts.

Finding Non Standard Auto Insurance in Florida

Finding non standard auto insurance in Florida can be a challenge. While some carriers may offer coverage, it is often more expensive than standard policies. Additionally, due to the higher premiums associated with non standard coverage, many carriers will only offer this type of policy to individuals who have been turned down by other carriers or who have a poor driving record. As such, it is important to shop around for the best rates and coverage available.

Benefits of Non Standard Auto Insurance

While non standard auto insurance is typically more expensive than standard policies, it does offer some benefits. For those who are considered to be high risk drivers, non standard policies can provide the coverage they need without the additional cost of higher premiums. Additionally, non standard policies may offer additional coverage options that may not be available with standard policies, such as rental car reimbursement or coverage for custom parts.

Conclusion

Non standard auto insurance in Florida is a type of coverage that is typically purchased by high risk drivers. It offers the same types of coverage as a standard policy, and may also provide additional coverage options. While it is typically more expensive than standard policies, it can provide the coverage that is needed for those who are considered to be high risk. Shopping around for the best rates and coverage is the best way to ensure you are getting the coverage you need at an affordable rate.