Myths are simplified stories that attempt to explain complex events in an accessible way. However, when it comes to auto insurance, these beliefs can lead to poor decisions that impact your coverage and financial security. Here, we debunk five of the most popular myths.<\/p>\n\n\n\n
Myth #1: Red cars are more expensive to insure because they reflect an aggressive driver\u2019s character.<\/strong><\/p>\n\n\n\n Reality:<\/strong> The color of your car does not affect your insurance rate. Insurers calculate premiums based on factors such as the vehicle\u2019s model, cost, age, the driver\u2019s history, and where they live. If you like red, go ahead and choose it without worry.<\/p>\n\n\n\n Myth #2: Rear-end collisions are always the fault of the driver behind.<\/strong><\/p>\n\n\n\n Reality:<\/strong> While the driver who hits from behind is usually at fault, there are exceptions. For instance, if the lead vehicle lacks functional brake lights or performs an unsafe maneuver, the responsibility could fall on them or a third party.<\/p>\n\n\n\n Myth #3: Personal auto insurance covers delivery or business use.<\/strong><\/p>\n\n\n\n Reality:<\/strong> Personal auto insurance does not protect your vehicle if you use it for commercial activities, such as food delivery or ridesharing. To be covered, you need a commercial vehicle insurance policy.<\/p>\n\n\n\n Myth #4: If someone else drives my car and has insurance, their policy will cover any damages.<\/strong><\/p>\n\n\n\n Reality:<\/strong> The vehicle owner’s insurance is what covers damages in case of an accident, regardless of who is driving. Auto insurance policies are tied to the car, not the driver.<\/p>\n\n\n\n Myth #5: Florida’s minimum coverage includes theft and vandalism.<\/strong><\/p>\n\n\n\n Reality:<\/strong> The minimum legal coverage in Florida only includes liability (Personal Injury Protection – PIP and Property Damage Liability – PDL). To protect your vehicle against theft, vandalism, or natural disasters, you need collision or comprehensive coverage.<\/p>\n\n\n\n Conclusion<\/strong><\/p>\n\n\n\n The danger isn\u2019t in the existence of myths but in believing them and being left unprotected in an unexpected situation.<\/p>\n\n\n\n If you want to understand your coverage in detail and optimize your auto insurance, contact a 51³Ô¹ÏºÚÁÏÍø agent. We\u2019ll gladly help you find the best protection at the best price.<\/p>\n","protected":false},"excerpt":{"rendered":" Myths are simplified stories that attempt to explain complex events in an accessible way. However, when it comes to auto insurance, these beliefs can lead to poor decisions that impact your coverage and financial security. Here, we debunk five of the most popular myths. Myth #1: Red cars are more expensive to insure because they […]<\/p>\n","protected":false},"author":8,"featured_media":50348,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[20],"tags":[2743,2747,2751,2745,2749],"class_list":["post-50349","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vehicle-insurance","tag-car-insurance-coverage","tag-common-car-insurance-misconceptions-2","tag-florida-auto-insurance-2","tag-myths-about-auto-insurance-2","tag-univista-insurance-46"],"acf":[],"yoast_head":"\n