Auto Insurace
Coverages for your vehicles
We understand that every driver on the road is unique. Your car, your driving history, and of course your budget determines the kinds of coverage options to consider when shopping for car insurance. We also want to make understanding car insurance simple.
- Collision: Repairs or replaces your vehicle when damaged in a collision with another vehicle or object . (Does NOT include colliding with an animal).
- Comprehensive (Other than collision): Will repair or replace your vehicle when damaged by anything other than a collision . Like flooding, fire, and theft.Fun fact : Windshields in the state of Florida have no deductible so you may get it fixed without needing to pay any out of pocket expense.
- Rental: Will cover the cost of a rental car, up to your limit, until your car is fixed.
- Roadside Assistance: Ensures you won't get stranded if something unexpected happens with your vehicle, whether it's accident-related or not. Situations covered like a flat tire, dead battery , tow, and running out of gas.
- Gap: If your car is totaled, and the car's value is lower than the amount remaining on your loan, Gap Coverage will cover the remaining amount you owe.
Coverage For you
Personal Injury Protection (PIP):
If you are in an accident this covers you, your family, and in some cases your passengers regardless of fault of accident.Pays for covered medical and hospital expenses, and may pay for lost wages and expenses for childcare or household-related services while you’re recovering.
Medical Payments :
This coverages include medical expenses, legal fees, pain and suffering, lost of income, death benefits. Uninsured Motorist (UM): You’ll be protected in an accident if the at-fault driver is uninsured. This coverage pays for your injuries up to the limit you choose.
Coverage For Others
Bodily Injury (BI):
Covers medical expenses of others to whom you have caused in an accident up to your limit. Not required to have in the state of Florida , but extremely recommended.
Property Damage(PD):
Repairs or replaces someone else’s vehicle / property that you damaged in an accident. This includes mailboxes , other vehicles, fences , and others.
1. REQUEST A QUOTE
We have to get to know you In order to insure you properly and to satisfy your expectations , we need to know what you are looking for.
There are a million ways a policy can be altered to meet your needs.
On that note, the first step is for us to exchange information in order to know what you are looking for and for us to obtain the information necessary to quote you .
2. YOU REVIEW OUR EXCEPTIONAL OFFERS FOUND
We work with many companies, that's the main perk of an independent agent. Most of the time, we will provide several offers and go over the differences between them .
This is the most crucial part of the process because we really want you to understand what you are buying.
Making sure it meets all your needs and that you are aware of any exclusion of the policy. Once you agree with the best offer for you , we move on to step 3.
3. YOU FINALLY BECOME OUR OFFICIAL CLIENT
This final step is the purchasing part. We pretty much take it all from here.
All we need from you is to sign the necessary documents and be aware of any conditions by the company chosen which we will let you know.
You will receive your proof of insurance and if you have any questions through the policy term , we will always be here to help.
Keep in mind we review your policy at renewal to see if there are any additional offers that benefit you.
