What is Auto Insurance?

Many people think auto insurance is just something they are required to have by law and something they will likely never use. Auto insurance is a product you buy but hope you never have to use. It is not a maintenance plan or a new car replacement tool. Auto insurance can not only protect your car but also your wallet.

In the litigious society we live in a simple fender bender could turn into a lawsuit. Having a solid auto insurance policy can prevent that from happening.

Protect what you love!

Common Coverages Included in Auto Insurance

Liability: 25/50/25

The State Minimum requirements in Florida are 25/50/25 (we suggest having more than this). The first two numbers (25/50) of your liability limits are your bodily injury coverage. The first number represents how much the coverage will pay out per person, the second number represents how much the coverage will pay per incident, the third number represents how much the policy will pay for the other persons property.

Uninsured/Under-insured Motorist

This coverage is possibly the most important piece of your policy. This covers you in the event you get hit by someone who doesn’t have insurance or doesn’t have enough insurance. The limits of this policy usually will match your liability limits.

Comprehensive

This covers acts of God. Say a tree branch falls on your car, you have hail damage, something flies up off the road and breaks your windshield, you hit a deer, or if your car is vandalized or stolen. Comprehensive coverage is essential in these situations.

Collision

This coverage is going to pay for your vehicle to be repaired in the result of an accident. This would also cover if you hit something such as a tree, pole, pothole, or even the side of your garage (it happens)!

Medical Payments

In the event you are in an accident, this coverage will provide money payable towards medical bills.

Rental Car and Travel

This coverage does not provide coverage when you rent a car! This coverage actually provides a rental car when your car is being fixed because of an accident!

Towing and Labor

Towing and Labor also known commonly as Emergency Roadside assistance is a service most carriers offer where they will tow your car, change a flat tire, or get your keys out of your car when you lock them in there.