Auto Insurance coverage description

Description of coverage options for Auto (personal or commercial) and General Liability*
Liability Coverage

Bodily Injury Liability covers your legal liability for bodily injury to others or damage to their property. Florida law requires you to have Property Damage Liability coverage for all vehicles you own.

Personal Injury Protection

This covers you, your family members and certain others, for bodily injuries resulting from auto accidents, without regard to fault. Payments are for 80% of medical expenses, 60% for loss of income and (if the limit has not been exhausted by other benefits) a death benefit. Personal Injury Protection is also required under Florida law.

Medical Payment Coverage

This coverage supplements the medical expense reimbursement of PIP coverage and provides basic coverage in situations where PIP does not pay.

Uninsured Motorist Coverage

This coverage pays for bodily injuries to you, family members and certain others, resulting from the negligence of others. It pays when the at-fault party has: no liability insurance, or liability coverage with limits not adequate to pay for the damage incurred, or if injuries result from a hit-and-run vehicle. Your coverage may be “Stacked” or “Non-stacked”. The principal difference between these two forms is that the total amount of protection under the stacked form is the sum of the limits applicable to each vehicle insured, whereas under the non-stacked form the limit stated applies per accident regardless of how many vehicles you own or insure.

This covers damage to your car resulting from an impact with another object.

Provides coverage for damage to or replacement of your car from theft, vandalism, flood, fire and other direct losses not excluded.

Other Coverage

In addition, your policy may contain other endorsements which add or broaden coverage, as indicated by their titles. The principal endorsements which may be found is towing and labor cost.

Commercial Auto coverage description
Like your personal auto policy, provides similar coverages such as liability, collision, comprehensive, medical payments (or personal injury protection) and uninsured motorists coverage.
However, there are also differences between a commercial auto insurance policy and your personal auto policy that may include eligibility, definitions, coverages, exclusions, and limits.
Most Commercial Auto policies are “named driver only” policies, meaning only those drivers listed on the policy can operate a covered auto.
Penalties: SR-22 & FR-44
You may be required to purchase additional car insurance if you’ve been in a car accident or you’ve had certain traffic violation convictions.
Certain incidents or violations may require you to carry an SR-22 certification, which mandates that you purchase bodily injury liability on top of the basic Florida car insurance requirements.
You will have to carry an SR-22 for 3 years if:
You are involved in a car accident that causes injuries or property damage.
You have had your driver’s license suspended due to excessive traffic violation points.
Your driver’s license has been habitually revoked.
If you are found guilty of driving without car insurance, you may have to carry a 6-month non-cancelable SR-22 for up to 2 years. A 6-month non-cancelable SR-22 requires you to pay your entire premium up front each time you renew your policy.
If you are convicted of a DUI in Florida, you may be required to purchase additional insurance and file an FR-44 form as proof of that coverage. FR-44 certificates are required when a driver has been convicted of a DUI and did not hold the following amounts of coverage for bodily injury liability and property damage liability insurance on the date of the arrest:
  • $100,000 for injuries to any one person.
  • $300,000 for injuries to all people in one accident.
  • $50,000 for property damage liability (PDL).
If you are subject to the FR-44 requirement, you will need to add Bodily injury liability and Property Damage liability to your policy, with the minimums shown above.
You must carry your FR-44 for at least 3 years from the date of suspension.
Driving under the influence is not only dangerous, but it can also be extremely costly! Stay safe and keep your car insurance premiums low.
Life Insurance

We carry multiple plan types including:

  • Final Expense
  • Term Life Insurance
  • Whole Life Insurance
  • Disability and Accidental Insurance

Regardless of your age and financial circumstance we can help you find a plan that fits your budget.

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