Those who think that getting car insurance is a choice are kidding themselves. Considering how much they stand to lose in case an accident happens, they should consider being covered by a Florida auto insurance policy which is a must. Any person who has had to get their car repaired knows how costly that could be. Car parts are not only difficult to find at times, they may also be tagged with an almost prohibitive cost. If you meet an accident, then the damage that your car will incur could involve the replacement of multiple parts and several hours of repairs. Put together the cost of parts and labor and you will have a pretty hefty bill on your hands. If you are covered by a car insurance policy, you could find yourself not having to pay for anything. Depending on your policy, it is possible that all you will need to do is to file a claim.