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These days, the vast majority of Americans live in states where they are required by law to obtain  auto insurance, but the fact remains that many drivers simply don't do so. Whether the cost or some other factors are at play here, experts always urge consumers to carry as much auto insurance as they can afford, because even if it's just a little amount, that will keep them on the right side of the law and protect them financially. The more insurance agents can do to encourage people to have as robust a policy as they can, the better off both sides of the issue are likely to end up being in the event of an accident.

While millions of drivers continue to be uninsured despite the fact that state law requires them to carry such coverage, and this problem may be particularly problematic in Florida, according to a report from the office of Miami-based attorney Sean Cleary. In many cases, this is due to the cost of these plans, because people would rather risk heavy fines if they get pulled over or into an accident, than pay a few hundred dollars a month at most.

Another issue
Meanwhile, cost-conscious consumers often try to cut corners on their coverage in other ways as well, the report said. For instance, many choose not to utilize low-cost add-ons that would significantly increase their protections from potentially very costly situations.

""Optional auto insurance coverage is something you think twice before deciding to drop,"" Cleary said. ""Auto insurance is not cheap, I know. Actually Florida is among the states where, due to the no-fault law, the costs are even higher, but what I see is that the insurance required by law proves to be insufficient in far too many car accident cases I work on. Car insurance in Florida is required by state law and carries a minimum of $10,000 in personal injury protection for auto insured motorists. Medical bills and expenses add up fast after a car accident, optional policies such as Med Pay can ensure injury costs are covered.""

Insurance agents who can explain to their clients the various ins and outs of their coverage, and what they can do to improve their chances of being financially protected, might end up improving their relationships with those consumers. That, in turn, could lead to higher customer satisfaction ratings and retention numbers. Further, having the ability to mix in the occasional discount may be of significant benefit as well.

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