When it comes to auto insurance, there are many options to consider including:
If you are at fault in an accident when other people are injured or property is damaged, liability coverage pays the cost of these damages. Our recommendation is a minimum of 100/300 coverage for Bodily Injury (BI) Liability. With this coverage your policy would pay up to $100,000 per person or $300,000 for all parties involved for the following expenses:
- Medical expenses for bodily injury
- Emergency aid at the accident scene
- Compensation for lost income
- Legal defense fees
- Funeral expenses
Property Damage Liability
We recommend a minimum of $100,000 coverage to pay for damage to another’s property in an accident when you are found at fault. This can include:
- Damage to homes, stores or other structured damaged during the accident
- Vehicle repair or replacement
Medical Payment Coverage
This pays for medical expenses for accident-related injuries (no matter who is at-fault) for you, your passengers and family members.
Uninsured Motorist Coverage
We recommend matching policy limits. This pays for medical expenses when the other driver has no or little insurance.
Personal Injury Protection (PIP)
PIP pays for medical expenses, funeral expenses, lost wages and other damages. $10,000 PIP is required under Florida law.
Collision coverage pays for repairs to your vehicle when your car is in a collision with other cars or objects. Coverage is limited to the actual cash value (ACV) of your car.
Comprehensive Coverage pays for losses that result from anything besides a collision such as hurricanes, vandalism, or even a fallen tree. Deductibles apply except for cracked or chipped windshields.
Towing & Labor Coverage
Towing and Labor reimburses you for the expense of towing your vehicle and other basic roadside services.
Rental Car Reimbursement
Rental Car Reimbursement covers the cost of a rental vehicle after an accident while your car is being repaired.