Auto Coverage

Explained

LIABILITY COVERAGE

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

MEDICAL PAYMENT COVERAGE

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

COMPREHENSIVE

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

COLLISSION

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

PERSONAL INJURY PROTECTION

This covers you, your family members and certain others, for bodily injuries resulting from auto accidents, without regard to fault. Personal Injury Protection is also required under Florida law.

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”. 

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.

You have questions, we have answers!

If you have any questions, we would love to help.  For all your insurance needs contact us and we will make sure they are met!