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Auto Insurance

What is Auto Insurance Policy?

An Auto Insurance Policy is a contract between you and a Florida insurance company that provides financial protection against losses related to your vehicle and other family members. Auto Insurance policy helps cover costs associated with accidents, theft, Flood, Wind & Hurricane damage, and liability for injuries or property damage caused to others by you and members of your family living at the same address.

Car Insurance Policy Coverages:

(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 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 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 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 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.

Types of Uninsured Motorist Coverage:

  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 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 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.

8 Underwriting Factors that affect your Auto Insurance policy premium in Florida:

  • 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.

Are you Shopping for 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, or (866) 454-9555 right before you renew your current policy.

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