Description of Coverages
When you are involved in automobile accidents, auto insurance provides protection for any bodily injury and/or property damage that may occur. The minimum coverage required in Florida is $10,000 Personal Injury Protection and $10,000 property damage. You should also consider other types and amounts of insurance that would best fit your needs and that would best cover your assets.
The following insurance coverages are key to protecting you and your loved ones. Please click on each one to see a brief description of each:
- Bodily Injury/Property Damage
- Uninsured Motorists
- Personal Injury Protection
- Comprehensive
- Collision
- Other
Bodily Injury/Property Damage (top)
Pays damages for bodily injury, sickness, death, and damage to or destruction of property that you or another insured person is legally obligated to pay. Your policy also protects an insured person from claims for accidents arising out of the ownership, maintenance, use, loading, or unloading of an insured car.Uninsured Motorists Protection (top)
Pays damages for bodily injury, sickness, disease, or death which an insured person is legally entitled to recover from the owner or operator of an uninsured auto or if the owner/operator has insufficient coverage to pay for all of your damages.Personal Injury Protection (top)
Pays for medical expenses, income loss, loss of services, and funeral expenses for bodily injury, sickness, disease, or death if it is the result of an accident araising from the ownership, maintenance, or use of a motor vehicle as described in the definition of motor vehicle found in your policy.Comprehensive (top)
Pays for loss to your car or a rental car which does not result from a collision. Some things that are covered are fire, vandalism, break-in, and glass breaks.Collision (top)
Pays for loss to your car or a non-owned car which results from a collision with another object, or by an upset of the car. This also extends to rental cars, less your deductible.Other (top)
We also offer towing, rental, and coverage for special equipment.For further details, contact an Florida Auto Insurance representative.
Things That May Affect Your Rates
Auto insurance rates are affected by a number of factors, including:
Zip code - Rates vary from zip code to zip code due to the frequency of thefts, vandalism, and auto repair bills. For example, insuring an auto in Miami, Florida may cost twice as much as insuring an auto in Sanford, Florida.
Make and model of your auto - Cars that have a low theft statistic or are cheaper to repair have lower insurance rates.
Driving record - Tickets, accidents (whether it's not-at-fault or at-fault), and previous claims may raise your rates.
Age - Statistics show that younger, less-experienced drivers, as well as senior drivers are involved in more accidents; therefore, the rates for these drivers are higher.
Vehicle usage - Business use, commute, and pleasure use are some usage categories. Each one is rated different. Business use tends to be the highest rated, while pleasure use tends to be the lowest rated.
Talk to one of our representatives to find out how you can lower your premiums. Some available auto insurance discounts are:
- Driver training discount
- Good student discount (3.0 GPA or better)
- Multi-car discount (can be up to 20% discount)
- Defensive Driver training courses for older drivers
- Higher deductibles
- Alarm systems
- Anti-lock brakes
Understanding Your Policy
Trying to make sense of your auto policy can be very confusing at times. At Florida Auto Insurance we make understanding your protection as easy as possible.
The declarations page of your policy is a summary of the coverages, deductibles, and other options you selected for your insurance. This page also breaks down the coverages and premiums for each vehicle and shows your policy's effective dates.
The body of the policy provides a detailed explanation of your coverage in everyday language.
Please take a few moments to read over your policy to get a better understanding of the kind of protection you have and so you may identify any unprotected risks.
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