We offer what you need to give you peace of mind and cover your vehicle properly. Looking at car insurance Florida style there are plenty of great coverage options to choose from, depending on how you use your vehicle and the lifestyle you lead. Just let us know what you're looking for in a car insurance Florida policy, and we can work with you to find the right coverage at the right price.
Liability coverage encompasses two types of protection: property damage and bodily injury.
Property damage coverage is designed to pay for damage you have done to someone else's property. The property may need to be repaired, or it may have to be replaced. Either way, property damage coverage will help protect you from financial loss.
Bodily injury coverage pays for harm you have caused to other people. If you physically injure someone with your vehicle, this coverage will pay their medical bills so you do not have to pay them out of pocket
Liability coverage is extended to you and family members who live in your home provided that those people are driving your vehicle. You and your resident family members will also be covered if you are driving someone else's vehicle, provided you obtained that person's permission to drive that vehicle. Another person not on your policy who is driving your car with your permission is also protected.
Having liability coverage will protect you from financial loss in the event you cause another person's death or injury. Liability coverage can also be used for loss of services and medical care, as well as bail bond, emergency first aid to others, and certain defense costs. Some states allow you to use your liability coverage for property damage.
Who is covered?
Natually you're covered and family members living at your home if they are diving your car with permersion. In fact, if they are diving someone elses car with permission they are also covered. If you grant permision for someone to drive your car they are covered.
What is covered?
Those covered can be paid for losses related to:
- Death
- Injury
- Medical care
- Loss of services
- Property damage (in certain states)
You are also covered for certain defense costs, bail bond costs and emergency first aid to others.
If you are the victim of a hit-and-run driver or you are involved in an accident where the other driver is at fault and has no insurance, uninsured motorist vehicle coverage covers you and the passengers in your vehicle, no matter whether the vehicle you are driving is yours or someone else's.
Medical care, death, and injury along with property damage, in some states, can be handled under this type of coverage.
Who is covered?
Natually you're covered and family members living with you. In fact you and resident family members are covered if you are in another persons car. Passengers in your car are also covered.
What is covered?
Those covered can be paid for losses related to:
- Death
- Injury
- Medical care
- Property damage (in certain states)
Comprehensive coverage protects your vehicle from damage that is not collision-related, such as fire, vandalism, falling rocks, theft, hail, and other issues. It works like collision in that you will pay your deductible and your insurance will pay the rest, up to your vehicle's actual cash value.
In order to qualify for Emergency Road Service, you need to have comprehensive coverage. For Rental Reimbursement, both collision and comprehensive coverages are required. The coverage that you have will be subject to the limits, provisions, and terms that are contained within the policy.
This website offers a general description of your coverage options and is not intended to be a statement of contract. To get started on your auto insurance policy or discuss your coverage needs, call or email me today!
