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2753 Vista Parkway Suite J3,
West Palm Beach, FL 33411

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Reasons You Need Auto Insurance

Many people try to save as much money as they possibly can. They look at where they are spending money and look for ways to cut back. One thing that they may be thinking about is getting rid of their automobile insurance. However, that could be a big mistake. Consult with us at Atlantis Insurance Inc. in West Palm Beach, FL to learn more about your options.

Here are some reasons that you need to have auto insurance:

It is the law

Most states require you to have some sort of auto insurance before you get behind the wheel. If you get pulled over without insurance, you could be in trouble. 

If you are at fault, it will help pay for the damage to their vehicle, as well as their medical bills

Since most people are unable to pay for vehicle damages and medical bills, your insurance company will pay for you.

It will also pay for property damage

If you damage a fence or shed, your insurance will help to cover these costs. 

If you aren’t at fault, you want to hope that the other person has insurance

You are going to rely on their insurance company to cover the damage to your vehicle, as well as your medical bills. 

Your lender may require it

Many lenders want to make sure that they are protected, so they require a certain amount of insurance for a vehicle. They just want to make sure that it will be fixed if something happens. 

You should have insurance because your state requires it. Your lender may also require it. However, it can also save you from expensive bills if you are at fault for an accident. 

Give Us A Call

If you want to make sure that you are fully protected, don’t hesitate to contact us today at Atlantis Insurance Inc. in West Palm Beach, FL. 

Do you have protection from uninsured drivers?

Unfortunately, as many West Palm Beach, FL residents are aware, there are a lot of uninsured drivers on the road in Florida. The team at Atlantis Insurance Inc is here to help you protect yourself from them. 

Protect yourself from uninsured drivers today

Many drivers are unaware that if they are involved in an accident with an uninsured driver 100% of the liability can fall to them. This can add bad news to an already sad story if you have been injured in an accident.

We all carry insurance to protect ourselves and others, and it can be very disheartening to learn that not everyone carries that same sense of responsibility. It is up to you to make sure that you have the protection you need. Many auto policies provide protection from uninsured drivers as an add-on. This can make it easy to overlook the coverage when you are selecting your policy.

Choosing the right policy for your needs can be more complex than you first think, but it is worth it to take the time and care to get the coverage that is most appropriate for your needs. Work with your local agent today and make sure that your policy has what you need! 

What to learn more? Call Atlantis

Here at Atlantis Insurance Inc, we want to help protect the West Palm Beach, FL community from uninsured drivers. Don’t wait to find out that your current policy doesn’t provide the protection you need. Now is a perfect time to review your auto policy to ensure that you have the coverage you need. Call or stop by our office today and find out more!

Required Auto Insurance in Florida

In Florida, there are specific auto insurance laws that pertain to Florida drivers and car owners. There are two types of coverage that are required by law, and there are several others that are highly recommended for drivers though not required by law. If you need auto coverage, contact us today at Atlantis Insurance Inc. in West Palm Beach, FL.

Personal Injury Protection

Florida is considered to be a no-fault state. That means that each driver must have their own personal injury protection policy. This policy has a set amount that is allowed for medical bills after an accident. The amount required by the state is fairly low, though, and a serious accident would cost more than the minimum required amount. It’s recommended that you raise the amount you are covered for. 

Liability Coverage

There is a low amount required for property damage liability. This is coverage for the driver of the other vehicle if you were responsible for the accident. This coverage pays for the damage that your vehicle causes to theirs. The amount required is low, however, and raising it can help you to meet those charges if and when the day comes. 

In Florida, there is no amount required for bodily injury liability. The state relies on personal injury protection coverage to take care of injuries and so does not make bodily injury liability coverage required. However, your medical bills after an accident can easily outstrip your personal injury protection. That’s why it’s a good idea to add bodily injury liability to your policy. If you were to be at fault for an accident in which someone was injured, and they used all of their personal injury protection, you could be sued for the rest. If you have this liability coverage, the policy would pay toward that overage. 

Get Covered

To get your auto coverage, contact us at Atlantis insurance Inc. in West Palm Beach, FL. 

What auto insurance is required in Florida

When you own a car, it comes with some responsibilities to carry auto insurance. What exactly those responsibilities depend on the state you live in. Insurance requirements are determined on a state level, so if you move, never assume the requirements you had in your previous state are the requirement in the state you have moved to. At Atlantis Insurance Inc. in West Palm Beach, FL, we have decades of experience, and we make sure our customers know the Florida auto insurance requirements and are in compliance. 

Florida is a no-fault state. This adds another dimension to required auto insurance. The required coverage is PIP (Personal Injury Protection) and PDL (Property Damage Liability). PIP coverage protects you personally in the event of an accident, and it doesn’t matter who is at fault. Keep this in mind when determining what amount you feel comfortable with. PDL pays for damage caused by you to someone else’s property. Florida residents require these two insurances before they can register a vehicle with four wheels. 

The minimum amount of PIP you must carry is $10,000. Keep in mind this insurance only pays 80% of any injuries, so you would still be responsible for $2,000. PDL coverage must also be a minimum of $10,000. Before you accept this as reasonable, consider the average cost of auto repairs or replacement, especially if it is a newer vehicle you damage. You must maintain this coverage even if your vehicle is stored and not being driven or inoperable. Failure to do this could result in your driving privilege and your registration being suspended for as much as three years, and you could be fined up to $500 to reinstate your driver’s license or registration. 

Contact Atlantis Insurance Inc. in West Palm Beach, FL for all your insurance needs. We are independent agents and can offer you more choices and the best deals. 

Is It Time To Shop For a New Insurance Policy?

Auto insurance is a necessary expense and required by law in most states. Because this is a required expense in most states it is imperative that customers find the absolute best deal on auto insurance. The best way to always make sure you are getting a great deal on auto insurance is to periodically shop around and compare rates. At Atlantis Insurance Inc. serving West Palm Beach, FL, we enjoy educating our clients and future clients on these topics. Keep reading to learn about when you should start shopping for a new auto insurance policy. 

Shop Annually

It is recommended to shop around once a year and compare rates on car insurance. This gives you the opportunity to see what new deals are available and also to see what new discounts are available based on changes you may have made in your life, such as getting married or buying a house. 

Family Changes

When there are changes in your family dynamics you should consider shopping for a new insurance policy. Changes in family dynamics that can affect car insurance include: getting married, getting divorced, adding a new driver, or taking off a driver. These changes can have a huge impact on the cost of your insurance. Be sure to discuss these changes with an insurance representative when you are shopping for the best rates. 

New Car Purchase 

When you purchase a new vehicle you will need to have insurance in place. This is a great time to shop around and see what the best deal will be for your new and existing vehicles. There are often multi-vehicle discounts available for people who will have more than one vehicle on the policy. 

If you would like to learn more about auto insurance, please contact our friendly staff at Atlantis Insurance Inc. serving West Palm Beach, FL. 

Partner Carriers


  • Adriatic
  • Clear Blue
  • Continental Divide
  • Edison
  • Florida Peninsula
  • Infinity
  • LLoyds
  • National Indemnity
  • Northland
  • Progressive
  • Safe Harbor
  • State National