Personal Auto

 

One of the greatest risks we face is the liability arising from an automobile accident. We will explain the various coverage sections and ensure that your Personal Auto Insurance is adequate to protect your assets.

 

Personal Auto Insurance policies generally include the following:

 

Bodily Injury Liability Coverage

Coverage for bodily injury or death resulting from an accident for which you are deemed fully or partially at fault.  Provides you with Legal Defense for events that cause or allege injury through the use of your vehicle.

Property Damage Liability Coverage

Provides you with legal defense and protection when your vehicle accidentally damages another person’s vehicle or property.

Combined Single Limit (CSL)

Combines the Bodily Injury and Property Damage Liability into one limit. Using this option can often be a more cost-effective method of securing higher coverage for an accident.

Personal Injury Protection (PIP)

Covers medical expenses and, in some cases, loss of wages for injuries resulting from an automobile accident regardless of fault. Coverage is unique to Florida and several other states. The so-called ‘’No Fault’’ Law was initially designed to ease the flow of litigation from automobile accidents.

Medical Payments

Pays for medical expenses of the driver and passengers in your vehicle incurred as a result of a covered accident regardless of fault.

Uninsured Motorist Coverage

Pays for your injuries if they are caused by an uninsured or a hit-and-run driver. In some cases, under-insured motorist coverage is also included. This is for cases in which the at-fault driver has insufficient insurance.

Comprehensive Physical Damage Coverage

Pays for damage to your vehicle from theft, vandalism, flood, fire, and other covered perils.

Collision Coverage

Pays for damage to your vehicle when it hits or is hit by another object.