Auto Insurance coverage descriptionDescription of coverage options for Auto (personal or commercial) and General Liability*
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.
Provides coverage for damage to or replacement of your car from theft, vandalism, flood, fire and other direct losses not excluded.
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
Penalties: SR-22 & FR-44
- $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).
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.