3 Essential Changes to Make to Your Car Insurance Policy in 2025
Posted By Darrigo & Diaz

Discover three crucial updates you need to make to your car insurance policy in 2025 to stay protected against uninsured drivers, rising repair costs, and unexpected financial risks.
As we enter 2025, the road ahead comes with new challenges and opportunities for drivers. With more uninsured motorists on the streets, evolving vehicle technologies, and the rising costs of repairs, ensuring your car insurance policy is up to date is more critical than ever. In this blog, our Florida accident attorneys share three essential changes to make to your car insurance policy in 2025 to protect yourself and your wallet.
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1. Increase your uninsured/underinsured motorist coverage
Did you know that 1 out of 5 drivers in Florida do not have car insurance? Although it is illegal to not have car insurance in Florida, a substantial number of drivers do not have it. This presents a significant risk if you’re ever involved in an accident with one of these drivers. For example, imagine your car is totaled in an accident caused by an uninsured driver. If the repairs cost $18,000 and you don’t have uninsured/underinsured motorist (UM/UIM) coverage, you will be responsible for covering that amount yourself. Even if your insurance policy helps, filing a claim without proper protection could lead to higher premiums in the future.
That’s why it is critical you add or increase your UM/UIM coverage in 2025. UM/UIM coverage acts as a safety net, covering medical bills, lost wages, and even vehicle repairs if the at-fault driver can’t pay. In 2025, with inflation impacting repair costs and medical expenses, it’s wise to reassess your coverage limits and ensure you’re adequately protected against uninsured drivers. This is a smart way to shield yourself financially and avoid unnecessary stress.
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2. Add gap insurance if you’ve purchased a new or financed vehicle
If you’ve purchased or financed a car recently, gap insurance is a must-have. Gap insurance is designed to protect you financially if your car is totaled or stolen and you owe more on your auto loan or lease than the car’s current market value. For example, say you purchase a new car for $30,000 and, after a year, an accident totals the vehicle. Due to depreciation, your car’s insurance payout is only $22,000, but you still owe $27,000 on your loan. Without gap insurance, you’d be responsible for paying the $5,000 difference out of pocket. However, with gap insurance, that $5,000 “gap” is covered, ensuring you’re not left financially stranded after an unexpected event. It’s especially useful for new or financed vehicles, where depreciation happens quickly.
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3. Consider increasing your comprehensive and collision coverage
Comprehensive and collision coverage are two types of auto insurance that protect your vehicle from a wide range of potential damages. Collision coverage pays for repairs to your car if it’s damaged in an accident, regardless of who is at fault—whether you hit another car, an object like a tree or pole, or experience a single-car rollover. Comprehensive coverage, on the other hand, protects against non-collision-related incidents, such as theft, vandalism, fire, natural disasters, or damage caused by falling objects.
Repair costs have skyrocketed as vehicles become more high-tech. Features like advanced driver-assistance systems (ADAS), sensors, and cameras make modern cars safer but also more expensive to fix. If your current policy’s coverage limits are low, you might not have enough to cover repairs after an accident or damage from severe storms, such as hurricanes. Increasing your comprehensive and collision coverage ensures you’re protected against costly repairs due to accidents, theft, weather events, or vandalism.
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Injured in an accident in Florida?
Call the Florida Accident Attorneys at Darrigo & Diaz for a free consultation at (813) 437-5523
With over 25 years of experience, Darrigo & Diaz has built a reputation for compassionate, results-driven representation. Led by Board-Certified Civil Trial Attorney Nadine Diaz, our firm has successfully helped hundreds of accident victims across Tampa Bay and Florida’s west coast. When you choose Darrigo & Diaz, you’re not just hiring attorneys—you’re gaining a team that treats you like family.
If you’ve been injured in an accident in Florida, contact us immediately through our secured contact form. Or call our office at (813) 437-5523 to schedule your free, no-obligation consultation and connect with an experienced and knowledgeable accident lawyer.