Auto Insurance FAQ's

What is Liability Coverage?

Liability coverage pays for your legal responsibility to others for bodily injury or property damage.

What is Personal Injury Protection (PIP)?

For the treatment of injuries to the driver and passengers of the policyholder’s car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident in Florida.

What is Collision coverage?

For damage to the policyholder’s car from a collision.

What is Comprehensive coverage?

For damage to the policyholder’s car that does not involve a collision. Covered risks include fire, theft, falling objects, earthquake, flood, riot and civil commotion.

What is Uninsured/Underinsured Motorist (UM) coverage?

Underinsured motorist coverage comes into play when an at-fault driver has auto liability insurance, but the limit of insurance is inadequate to pay for your damages. Uninsured motorist coverage comes into play when an at-fault driver does not have liability insurance to pay for your damages.

What is the minimum amount of insurance required in the state of Florida?

The insurance industry recommends that your bodily injury liability limits be $100,000 per person and $300,000 per occurrence. However, in Florida drivers are not required to carry bodily injury liability and can be insured with only $10,000 limit of PIP and $10,000 of property damage liability.

Does my auto insurance policy cover my toys like my motorcycle, RV and boat?

Your auto policy does not cover your toys such as motorcycles, RVs and boats. Not to worry, we can help covers those, too. Call our office for more details.