Tampa Florida Auto Insurance Help
Reader’s Question:
During a rainstorm, our neighbor veered off the road and ran into a garage in Tampa, Florida. He not only damaged the garage but several things in the garage, including a riding mower. What auto insurance would have covered him?
Manny
Tampa, FL
Hello Manny,
Most auto insurance carriers in Tampa Florida offer a valuable option to protect a faulty operator for this type damage. The most common coverage is property damage liability. This feature protects the faulty operator by paying for structural damage to buildings, homes, garages and the like. Property damage coverage would also have covered damage to items inside the garage, such as the lawn mower, or even another auto, had one been there and been damaged by the collision. Your friend was fortunate that the car was not in the garage.
Clients who add property damage coverage to their auto insurance policies, gain peace of mind knowing they are covered and their hard earned equity is protected. Honest to goodness accidents happen! Property damage liability makes sure an honest accident does not extend into your personal assets.
Manny, think about your friend, then call your agent and learn first-hand about this important feature. It will increase your premium, but having personal property liability protection is well worth it.
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