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Car Insurance Ft Lauderdale

What is Car Insurance Fort Lauderdale Policy?

An Car Insurance Policy in Fort Lauderdale is a legal contract between you and a licensed Florida insurance provider. This policy offers financial protection against a wide range of risks related to your vehicle, including:

  • Car accident.
  • Theft or vandalism.
  • Weather-related damage (such as flood, wind, or hurricane).
  • Liability for injuries or property damage caused to others.

Your policy may also cover family members living in your household who drive your insured vehicle. Florida law requires drivers to carry minimum coverage of 10/20/10,  but many Fort Lauderdale drivers choose to add extra protection, such as comprehensive, collision, uninsured motorist, or personal injury protection (PIP) to better manage local risks—especially during hurricane season.

What Coverages are included in Fort Lauderdale Car Insurance Policy?

(1) Auto Liability Coverage – Auto liability coverage is a type of car insurance that helps cover costs if you’re legally responsible for injuring someone or damaging their property in a car accident. It’s typically required by law in most states.

Two Main Components of Car Liability Coverage?

    1. Bodily Injury Liability (BI) – Covers medical expenses, lost wages, and legal fees for injuries you cause to others in an accident.
    2. Property Damage Liability (PD) – Covers repair or replacement costs for another person’s property (e.g., their car, fence, or building) if you’re at fault.

How Personal Auto Liability Coverage Works?

    • It only covers damages to others, not your own injuries or vehicle damage.
    • Coverage limits are usually written as three numbers representing:
      • $100,000 for bodily injury per person.
      • $300,000 for bodily injury per accident.
      • $100,000 for property damage per accident.

(2) Comprehensive coverage – Comprehensive auto insurance is a type of coverage that helps pay for damage to your car that is not caused by a collision. It protects against a variety of unexpected incidents, often referred to as “acts of God or nature.”

What Car Comprehensive Insurance Covers?

  1. Fire – Helps repair or replace your car if it’s damaged by fire.
  2. Animal Collisions – Covers damage caused by hitting a deer or other animals.
  3. Falling Objects – Covers damage from tree branches, debris, or even meteors.
  4. Glass Damage – Repairs cracked or shattered windshields, depending on the policy.
  5. Theft – If your car is stolen, comprehensive coverage can help pay for its replacement.
  6. Vandalism – Covers damage caused by vandalism, such as broken windows or graffiti.
  7. Natural Disasters – Includes hurricanes, tornadoes, floods, earthquakes, and hail damage.

(3) Collision coverage – Collision auto insurance helps pay for damage to your own vehicle if you’re involved in a crash, regardless of who is at fault. It covers repair or replacement costs after an accident.

What Car Collision Insurance Covers?

  1. Accidents with another vehicle – If you hit another car or another car hits you.
  2. Single-car accidents – If you crash into a tree, guardrail, pole, or ditch.
  3. Hit-and-run accidents – Covers your car’s damage if the other driver flees.
  4. Rollovers – Pays for damage if your car flips over in an accident.

(4) Personal Injury Protection (PIP) – this coverage reimburses the driver and passengers for medical treatment expenses caused by a car accident regardless of who was at fault for the accident. Also, it pays for loss of income up to $10,000 per person per policy limit.

(5) Uninsured Motorist coverage – Uninsured motorist (UM) coverage protects you if you’re involved in an accident with a driver who does not have insurance or in a hit-and-run situation. It helps cover your medical bills and, in some cases, vehicle damage.

What types of Uninsured Motorist Coverage included in Car Insurance?

  1. Uninsured Motorist Bodily Injury (UMBI) – Covers medical expenses, lost wages, and pain and suffering for you and your passengers.
  2. Uninsured Motorist Property Damage (UMPD) – Pays for damage to your car if an uninsured driver is at fault (not available in all states).

What Car UM Insurance Covers?

  1. Medical expenses for you and your passengers.
  2. Lost wages if injuries prevent you from working.
  3. Pain and suffering compensation.
  4. Funeral expenses (if applicable).
  5. Vehicle repairs (if UMPD is included)

(6) Auto Glass – There is NO deductible applies if a windshield gets broken and required replacement for personal safety reasons.

(7) Roadside Assistance – Auto roadside assistance is an optional coverage that provides emergency help if your vehicle breaks down or becomes inoperable while you’re on the road. It offers support for common car issues, helping you get back on the road quickly.

What Car Roadside Assistance Covers?

  1. Towing Services – If your car is disabled, it will be towed to a nearby repair shop.
  2. Flat Tire Change – A technician will replace your flat tire with your spare.
  3. Jump-Start – If your battery dies, roadside assistance can provide a jump-start.
  4. Fuel Delivery – If you run out of gas, they’ll bring fuel to your location.
  5. Lockout Service – If you’re locked out of your car, they’ll help unlock it.
  6. Winching – If your car is stuck in mud, snow, or a ditch, assistance is available to pull it out.

What Factors that affect Car Insurance policy premium in Fort Lauderdale?

  • Marital Status – single, married and age.
  • Prior Auto Insurance for past 6 Months.
  • Vehicle usage – distance you drive to work, or pleasure.
  • Territory – including garaging zip code and population density.
  • Type of Vehicle – year, make, model, value and high-performance.
  • Increase deductible to $1,000 or $2,5000 which helps lower the premium.
  • Credit History – a soft credit report can be used for insurance Underwriting.
  • Driving history – including number of violations or accidents for the past 3 to 5 years.

How to get a Car Insurance quote today?

To Compare auto insurance rate, please complete a quote request form today. Or feel free to call us now at (954) 454-9599  right before you renew your current policy.

WE WELCOME ALL INQUIRIES.