Auto Insurance

Auto Insurance Coverage

Even if your driving record isn't perfect, our commitment is for you to receive the best coverage optimized to meet your present needs.  In the end, you should have the most auto insurance coverage for yourself and your vehicle that your budget permits.

Florida drivers are required by law to carry insurance for their own protection (PIP) and for property damage liability.

Automobile Damage Insurance

• Comprehensive Auto Insurance Coverage:  Pays for damage to your car, less any deductible, caused by things other than collision or upset.
• Collision Insurance Coverage:  Pays for damage to your car, less any deductible, caused by collision with another car or object, or by upset.

Auto Liability Insurance

• Property Damage Liability Coverage:  Pays for claims when you are responsible for damage to someone else's car or property.
• Bodily Injury Liability Coverage:  Pays for claims when you are responsible for injury to others, and for your legal defense costs.
• Medical Payments Coverage:  Pays for certain medical expenses sustained by you or others while occupying your car, regardless of who is at fault.
• Uninsured and Underinsured Motorist Coverage:  Pays for hospital costs and other medical expenses for bodily injury to you and others in your car, when injury is caused by an underinsured or uninsured driver.
• Personal Injury Protection (PIP):  Regardless of driver's legal liability, pays for medical expenses, disability expenses, and death benefits.