Auto Insurance

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Car and truck insurance throughout Central Florida.

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Your vehicle can be a fairly costly investment—one that is exposed to many potential losses that are out of your control. We’ll make sure you have the protection you need at a price you can afford.

How does auto insurance work?

Personal auto insurance protects you against financial loss if you’re involved in an accident. It is a contract between you and the insurance company where you agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Nine auto insurance coverages.

An auto insurance policy typically contains nine separate and distinct coverage parts:

  • Bodily Injury Liability: For serious and permanent injury or death to others when the policyholder causes a crash involving their automobile. The insurance company will pay for injuries up to the limits of the policy and provide legal representation for the policyholder if they get sued.
  • Property Damage Liability: For damages the policyholder caused to someone else’s property.
  • Uninsured Motorist: For the policyholder and their relatives who live with them, and people who occupy their car. Uninsured motorist coverage pays the policyholder for injuries caused by an auto accident where the at-fault driver is uninsured (has no insurance) or under-insured (not enough insurance).
  • Medical Payments: Helps to pay medical costs for the policyholder and their passengers in the event of a covered auto accident. This may include hospital and ambulance bills, as well as doctor visits and other necessary medical treatments.
  • Personal Injury Protection (PIP): A no-fault coverage for the treatment of injuries to the driver and certain passengers of the policyholder’s car. At its broadest, PIP can cover medical payments, lost wages, and the cost of replacing services normally performed by someone injured in an auto accident. In Florida, PIP coverage is required to be purchased by all owners of motor vehicles registered in this state.
  • Comprehensive: Coverage that helps pay to replace or repair the policyholder’s vehicle if it’s stolen or damaged in an incident that’s not a collision. Comprehensive typically covers damage from fire, vandalism, or falling objects (like a tree or hail).
  • Collision: Coverage for damage to the policyholder’s car from a collision. The collision could be with another car, a light post, a fire hydrant, etc.
  • Additional Expense: For use of a rental car when the policyholder can’t use their vehicle due to an accident.
  • Road Trouble Service: Provides assistance for policyholders who are stranded due to a flat tire, minor mechanical malfunction, dead battery, have their keys locked in the car, etc.
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Bodily Injury Liability Coverage

Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.

Solution

Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage

Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else’s property. Usually this means damage to someone else’s car, but it can really be any property damaged by your vehicle.

Solution

Property damage coverage protects you if your car damages someone else's property, such as another car, a fence, or building front. When choosing your property damage liability limits, you should consider all of your assets, including your home and future earnings because if you don't have enough coverage to protect all of your assets, those assets could be at risk if you're liable for damages that exceed your coverage limit. Consider having a higher limit of liability coverage – it may help you avoid having to pay out-of-pocket after an at-fault accident.

Medical Payments Coverage

Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it’s not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health care plan.

Solution

Medical payments coverage can help cover all reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it's an optional addition to your car insurance policy.

Uninsured / Underinsured Motorist Damage Coverage

Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, takes off? According to the Insurance Research Council, this happens more than you might expect. In fact, it is estimated that one in seven drivers go uninsured, leaving you to pay out-of-pocket for damages and medical expenses not covered by the other driver.

Solution

Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage

Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.

Solution

Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Transportation Expenses / Rental Coverage

Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.

Solution

Transportation expenses/rental coverage is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Overwhelmed by all the auto insurance choices? Don’t be. We can make finding the right car insurance plan easy. Let us help you find the plan you need at a rate you can afford.

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