Auto Insurance
Personal Auto Insurance safeguards you against financial loss stemming from accidents or theft, an essential shield when cruising through Florida's scenic landscapes.
Crafted to fit your unique needs and budget, Personal Auto coverage options can be customized for Florida and its surrounding coastal areas. Our policies, often available in 6-month or 12-month terms, offer flexibility, ensuring you're adequately protected as you explore the diverse terrains of this beautiful region.
A Personal Auto Policy extends coverage to you and your household members, whether you're behind the wheel of your own car or driving someone else's vehicle with permission. However, it's important to note that coverage primarily follows the vehicle, meaning if you're in an accident while legally driving a friend's car, their insurance would initiate the coverage, with yours supplementing any additional needs.
For personal use, like errands, commuting, or road trips, your Personal Auto policy has you covered. However, if your vehicle ventures into commercial use, such as for deliveries, additional coverage might be necessary.
Coverage Requirements
In Florida, drivers must comply with certain mandatory auto insurance coverages, notably Property Damage Liability (PDL) and Personal Injury Protection (PIP).
Property Damage Liability is a requirement that ensures drivers have coverage for any damages they may cause to someone else's property in an accident. This coverage helps pay for repairs to the other party's vehicle or property in case you are at fault in a car accident.
Personal Injury Protection, on the other hand, is designed to cover medical expenses, lost wages, and other related costs for you and your passengers, regardless of fault, in the event of an accident. PIP coverage is intended to provide swift access to medical treatment and financial support for injuries sustained in an automobile accident.
Surrounding areas may have different requirements. One of our knowledgeable agents would be happy to assist you with making sure your coverage is sufficient.
Did you know
Florida operates as a diminished value state, allowing drivers to seek compensation for the decreased worth of their vehicle from the insurance company of the at-fault party.
Even if your vehicle undergoes complete repair and is restored to its pre-loss state after an accident, its resale value tends to decrease. Being involved in a collision reduces your car's value compared to similar vehicles with no accident history.
Filing a diminished value claim enables you to recover potential losses when selling your car. As one of the 15 states offering restitution for diminished value, Florida necessitates meeting specific requirements to file such a claim through the at-fault party's insurer.
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Recommended Additional Coverage:
Florida's minimum car insurance requirements remain relatively modest. Hence, it's strongly advised that drivers secure coverage surpassing the state-mandated limits. Minimum coverage may fall short of covering most expenses, leaving individuals vulnerable to potential out-of-pocket costs.
Bodily Injury Coverage: Safeguards you by providing financial protection in case you're responsible for injuries to others in a car accident. Drivers have the option to pursue compensation for injuries exceeding their own PIP policy's costs. In cases where the at-fault driver causes injuries surpassing a certain threshold, the affected party could pursue legal action. Without bodily injury liability coverage, you might bear responsibility for damages.
Collision coverage: Paying for damages to your car due to collisions.
Comprehensive coverage: Covering damages to your car from non-collision events like theft or natural disasters.
Uninsured/underinsured motorist coverage: Protecting you against accidents caused by uninsured or underinsured drivers.
Rental car coverage: Covering the cost of a rental car if your car is undrivable due to a covered loss.
Towing and labor coverage: Paying for towing expenses if your car breaks down.
Gap coverage: Bridging the gap between your car loan and its actual cash value if it's a total loss.