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Auto2020-06-27T16:45:14-04:00

AUTO INSURANCE IN FLORIDA

AUTO INSURANCE PRODUCTS

All auto insurance products are not created equally.  Policies vary depending on vehicle and ownership.  It is important to know exactly what type of policy you have.  In the event of a loss, the policy will be used to determine exactly what is covered and the valuation process for losses.  Most importantly, not all insurance companies offer the same products.  Keep your options open by working with an insurance agent that represents multiple insurance providers.

  • Personal Auto
  • Commercial Auto
  • Named Non Owner Auto
  • Hired Non Owned Auto

AUTO INSURANCE COVERAGE

The following is a general list of auto insurance coverages and endorsements that may be available depending on the insurer’s product offering and your individual policy type.   It is recommended that you review and inquire about coverages that ideally suit your needs and resources.

AUTO INSURANCE COVERAGES

Bodily Injury Liability – Covers injuries cause to others.  Generally most personal auto policies use split limit coverage, which pays a limit per person and a limit per occurrence.  For example, $100,000 per person/$300,000 per accident.  An alternative to split limits is combined single limit (CSL).  CSL provides a single limit that applies to any combination of bodily injury and property damage liability claims.  For example, $500,000 CSL for liability.

Property Damage Liability (REQUIRED: $10,000 minimum) – Covers damage to the property of others

Personal Injury Protection (PIP) (REQUIRED: $10,000 minimum) – Covers a portion of medical costs, funeral expenses, and lost wages due to injury sustained in a car accident by you and possibly passengers and/or resident relatives. The sum of Medical Expenses, Income Loss and Loss of Services benefits combined cannot exceed the basic aggregate $10,000 limit.

Medical Payments – Pays expenses incurred for your necessary medical and funeral services following a car accident that results in injury.  This kicks in after personal injury protection.

Uninsured Motorist  – Covers your property damage when someone who is not insured is responsible.  Insured with multiple vehicles can select stacked option to increase coverage.

Collision – Pays for damage caused by colliding with another object.  Deductible applies.  Coverage selection is for each vehicle individually.  Coverage is optional, but generally required by lienholder of vehicle.  

Comprehensive – Pays for damage caused by something other than collision.  Deductible applies.  Coverage selection is for each vehicle individually.  Coverage is optional, but generally required by lienholder of vehicle.  

Emergency Roadside Assistance – Assists with towing, battery jumpstarts, fluid delivery, and lockout service.  Services vary by carrier. 

Rental Reimbursement– Assists with replacement vehicle while your vehicle is being repaired after a covered loss.  

Replacement Coverage (GAP)  This is an option with some insurers, that pays the value of a brand-new car of the same make and model, minus the deductible, if your car is declared a total loss.  Replacement coverage generally applies only to newer cars and is available only if you have collision and comprehensive insurance.

AUTO INSURANCE ENDORSEMENTS

SR22 – 

FR44 – 

AUTO INSURANCE QUESTIONS

Why does the foundation matter?2019-07-22T21:45:28-04:00
How long do most things last?2019-07-22T21:48:35-04:00

Roofs

Slate, copper and tile roofs can last more than 50 years. Homeowners with wood shake roofs should expect them to last about 30 years, while fiber cement shingles last about 25 years and asphalt shingle/composition roofs last about 20 years, the NAHB found. Climate and weather conditions, such as snow, hail and hurricanes, can cut the life span of all types of roofs.

Air Conditioning System

Central air conditioning systems typically last 10 to 15 years. For a window air conditioner, InterNACHI suggests five to seven years. Having your unit serviced every year or two, keeping filters clean and trimming bushes around the outdoor unit can keep it working longer, but eventually the components wear out. Before you buy an air conditioning system, water heater or any other costly appliance, keep energy efficiency in mind to prevent your utility bill from soaring. You may also want to check with your utility provider to inquire if rebates or incentives for buying certain appliances are available, or consult EnergyStar.gov for additional tools and information.

Water Heater

A conventional electric or gas water heater typically lasts about 10 years. If you have a tankless water heater, expect it to stick around for about 20 years.

Why does the shape and composition of my roof matter?2019-07-22T21:44:52-04:00
What type of home construction is the best?2019-07-22T21:45:54-04:00
What type of electrical issues are unacceptable?2019-07-22T21:46:02-04:00
What type of plumbing is unacceptable?2019-07-22T21:46:11-04:00
Will a wind loss mitigation report reduce my premium?2019-07-22T21:46:20-04:00
What is on a 4-point inspection?2019-07-22T21:46:26-04:00
What is the difference in an admitted and non-admitted carrier?2019-07-22T21:37:24-04:00
Why does the foundation matter?2019-07-22T21:45:28-04:00
How long do most things last?2019-07-22T21:48:35-04:00

Roofs

Slate, copper and tile roofs can last more than 50 years. Homeowners with wood shake roofs should expect them to last about 30 years, while fiber cement shingles last about 25 years and asphalt shingle/composition roofs last about 20 years, the NAHB found. Climate and weather conditions, such as snow, hail and hurricanes, can cut the life span of all types of roofs.

Air Conditioning System

Central air conditioning systems typically last 10 to 15 years. For a window air conditioner, InterNACHI suggests five to seven years. Having your unit serviced every year or two, keeping filters clean and trimming bushes around the outdoor unit can keep it working longer, but eventually the components wear out. Before you buy an air conditioning system, water heater or any other costly appliance, keep energy efficiency in mind to prevent your utility bill from soaring. You may also want to check with your utility provider to inquire if rebates or incentives for buying certain appliances are available, or consult EnergyStar.gov for additional tools and information.

Water Heater

A conventional electric or gas water heater typically lasts about 10 years. If you have a tankless water heater, expect it to stick around for about 20 years.

Why does the shape and composition of my roof matter?2019-07-22T21:44:52-04:00
What type of home construction is the best?2019-07-22T21:45:54-04:00
What type of electrical issues are unacceptable?2019-07-22T21:46:02-04:00
What type of plumbing is unacceptable?2019-07-22T21:46:11-04:00
Will a wind loss mitigation report reduce my premium?2019-07-22T21:46:20-04:00
What is on a 4-point inspection?2019-07-22T21:46:26-04:00
What is the difference in an admitted and non-admitted carrier?2019-07-22T21:37:24-04:00