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How to Read Homeowners Insurance Quotes

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TGS Insurance » Blog What Is a Homeowners Insurance Quote? A homeowners insurance quote is the proposed amount that you would pay an insurance carrier to cover your home. The quote will be based on many factors, including your home’s age, building features, location and size, as well as your insurance score.

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Driving Without Insurance in Florida

TGS

The state mandates that all registered vehicles carry minimum auto insurance coverage as the Florida Financial Responsibility Law outlines. Specifically, drivers need: $10,000 in Personal Injury Protection (PIP) : Covers medical expenses for you and your passengers, regardless of whos at fault. This often comes with higher premiums.

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Keeping Coverage Affordable: California Drivers Will See Auto Insurance Rate Increases in 2025

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Senate Bill 1107 , which increases minimum insurance requirements, is expected to further drive up premiums statewide. This latest change could disproportionately affect communities where insurance costs already strain household budgets. million uninsured drivers in the state.

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North Carolina New Minimum Auto Insurance Requirements 2025

TGS

Will These Changes Impact Insurance Premiums? Yes, raising minimum coverage requirements is likely to result in higher premiums for drivers. Insurers will need to adjust rates to accommodate the increased coverage levels.

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What to Do After a Car Accident: A Step-by-Step Guide

TGS

Immediately after the accident, check yourself and your passengers for injuries. It’s also important to remember that injuries aren’t always obvious right away—adrenaline can mask pain, so be cautious even if you feel okay at first. Plus, having a police report on file can help you later when dealing with insurance claims.

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What Does It Mean to Be a No-Fault State?

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In a no-fault state like Florida, every driver is required to carry Personal Injury Protection (PIP) coverage. This coverage is the backbone of the no-fault system, as it ensures that your insurance policy will cover: Medical Expenses: PIP typically covers a portion of your medical bills resulting from an accident, up to a certain limit.

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Driving Without Insurance in Florida

TGS

Florida’s Strict Insurance Requirements Florida is a no-fault state , meaning that drivers must rely on their own insurance to cover medical expenses after an accident, regardless of who caused it. SR-22 filings often result in higher insurance premiums, so expect your rates to climb.