Insurance talk made easy!
Read below for a little knowledge:
Bodily Injury Liability
This coverage applies to injuries that you cause to someone else. Limited to the coverage you
choose (0, 10/20, 25/50, 50/100, 100/300, 250/500) covers per person per accident.
* Rejection of Bodily Injury Liability is an important thing to consider delicately.
Rejecting Bodily Injury coverage means you take financial responsibility
for the other person's injuries or death. You can be held responsible for up to the
minimum requirements of bodily injury 10,000 per person, and 20,000 per incident
a total of $30,000. Other requirements apply when carrying a DUI.
See more under Florida Financial Responsibility Law.*
Property Damage Liability
This coverage pays for damage you may cause to someone else's property. Limited to the coverage
you choose (10K, 25K, 50K with a zero deductible) per accident.
Personal Injury Protection (PIP)
This coverage pays for the treatment of injuries to the driver, or passenger, no matter who is
at fault up to $10,000; less the deductible you (0-1000). Basic (80% of medical lost wages)
or Extended (100% of medical bills 80% of lost wages) coverage available.
This coverage pays for the additional medical bills to the driver and passengers of the policyholder's car.
Uninsured and Underinsured Motorist Coverage
This coverage pays for additional medical bills to the driver, or passengers, if you are in an accident
and the other party is underinsured or uninsured. Optional limits, 10/20, 25/50, 50/100, 100/300,
250/500 stacked or non-stacked depending on the number of vehicles you insure.
This coverage pays for damage to your car resulting from a collision with another car, object,
other than an animal; less the deductible you choose (0-1000). Required coverage if vehicle has a
Lien Holder, depends upon Lien Holder type (bank or personal).
This coverage pays for damage to your car other than a collision; less the deductible
you choose (0-1000). Required coverage if vehicle has a Lien Holder,
depends upon Lien Holder type (bank or personal).
This covers the reimbursement of a rental car in the event of an accident. Does not pay for
a rental car for mechanical break down, or other rentals (only in the event of an accident).
Optional limits $20, $30, $40 per day up to 30 days.
This covers the reimbursement of towing per disablement in the event of an accident.
Optional limits $50, $75 per disablement.
~ Any coverage you reject is your option, (other than the state minimum required liability coverage),
and also your responsibility to understand. We do our part to disclose your chosen coverage's, in fact
we require an additional form to better explain your policy coverage to you. All a part of better
serving you, as our client. ~