Liability covers you, up to your policy limits, from lawsuits if you are involved in an accident.  Even if you are driving another person’s vehicle, liability coverage provides protection.  Coverage is no longer available once your policy limit is exceeded. Liability Coverage includes the following:

(1) Bodily Injury

Bodily injury coverage is typically sold for each passenger and an overall limit per incident. For example, $250,000/$500,000 coverage has maximum payouts in the event of an accident: $250,000 maximum payment to any individual involved in the accident, and $500,000 maximum payment for all individuals involved in the accident. The minimum limits for Florida are $10,000.   We would be happy to explain the risks associated to purchasing the lower or minimum policies.

(2)  Personal Injury Protection (PIP)

This provides coverage for medical and/or funeral costs for you in the event of an accident, up to your policy limits.  Florida is a PIP state.  If travelling, other states may be Medical States. We would be happy to talk with you about how this coverage is related to other existing Health/Life Coverage you may have.

(3) Property Damage (PDL)

Property damage covers you from any damages resulting to another person’s property in the event of an accident.  The minimum PDL for Florida is $10,000.  We can help you determine the correct coverage for you circumstances.

(4) Uninsured/Underinsured Motorist

Uninsured Motorist provides coverage for you if the other driver does not have insurance at all. Underinsured Motorist provides liability coverage for you if the other driver has liability limits that are lower than your policy limits.

These two coverage options provide compensation for damage to your vehicle if an accident should occur. Collision provides coverage in the event of an accident. Comprehensive provides coverage for non-accident damage from other incidents such as storms, fire, theft, vandalism or malicious damage, earthquake, flood, birds or animals.

Comprehensive and Collision are sold with deductibles. A deductible is the amount you pay first. After the deductible has been reached, the insurance coverage provides payment for the additional amount of repairs/replacement needed. A typical deductible for Comprehensive and Collision is:

•    $100 Comprehensive

•    $250 Collision

We would like to discuss your coverage options.  These will be determined by the your vehicle, age, driving record, income and other factors.

In the event of a “total loss” gap insurance will pay the difference between the actual cash value of the car and what is still owed on your loan or lease.  Gap insurance is not necessary if the balance on your loan or lease is below the value of your vehicle.

If your vehicle is disabled due to an accident, rental reimbursement coverage helps you to pay the cost of having to rent a car while your vehicle is being repaired.  Typical rental reimbursement coverage reads $30/$900; this means that you can be reimbursed up to $30 a day, not to exceed a total of $900 over 30 days.

This coverage help you pay the cost you incur from having your car towed if it breaks down or from an accident, to the repair shop.

This coverage means that you pay no deductible for the repair of replacement of safety glass on any vehicles with this endorsement.

Yes, if physical damage is required on the vehicle and physical damage exists on your current auto policy, you have up to 14 days.  If you do not have physical damage already on your policy, you have up to 4 days to contact your insurance company.