Liability Coverage: Protects you in the event that you unintentionally cause injuries to other drivers or damage to other vehicles or property.
Uninsured and Underinsured Motorist Coverage: Can provide coverage for medical costs, pain and suffering for bodily injury to you and others in your vehicle, if injury is caused by a driver with no coverage or not enough coverage.
Personal Injury Protection (No Fault): Required coverage under Florida’s No-Fault Law. Provides a percentage of first dollar medical expenses to you regardless of fault in the accident.
Medical Expense Coverage: May pay certain medical expenses for injuries sustained while occupying your car, regardless of who is at fault.
Comprehensive Coverage: May pay for damage to your car, less any deductible, caused by things other than collision or upset. (fire, theft, glass breakage, for example)
Collision Coverage: May pay for damage to your car, less any deductible, caused by a collision with another object.
Towing & Labor: This coverage may provide a limited amount of reimbursement for expenses such as towing or car repairs made at the site of vehicle disablement.
Rental Reimbursement: This type of coverage provides limited reimbursement for a rental car used while your car is being repaired for a covered claim.
- Good Driving Record
- Driving a Safe Car
- Low annual miles
- Student away at school without vehicle
- Student with drivers education course
- Drivers over 50 years old
- Seasonal Driver
- Multiple cars insured with a company
- Have additional lines of business insured with a company
- Air Bags
- Automatic occupant restraint systems
- Longevity with a company
- Good Student
- Anti-theft devices
- Own a home (does not need to be covered by State Insurance)
- Anti-lock brake system