Auto Insurance
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Do you know it's the law?
The Florida Motor Vehicle No-Fault Law requires all owner/registrants of a motor vehicle with four wheels or more to carry a minimum of $10,000 of Personal Injury Protection (PIP) and $10,000 of property damage liability (PDL) if you own a motor vehicle in Florida. Florida law requires you to maintain PIP/PDL insurance continuously throughout the licensing and registration period.
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Our commitment:
Our commitment is to assist our clients in understanding what factors are important in choosing the proper auto coverage. We want to make certain our clients reduce their personal financial exposure and maintain the best protection possible. All states have auto insurance requirements and they require proof of responsibility. Understanding your car insurance policy and coverage limits, you will be able to make a more intelligent buying decision.
Many factors including your driving record and insurance history affect the type of insurance policy that is available to our clients. If you have a driving record that is free of accidents, moving violations or points and you have been insured in the past, you will likely qualify for standard auto insurance coverage. Generally, if you haven't had insurance, or have a less-than-perfect driving record, you can still qualify for auto insurance. This type of insurance is known as non-standard auto insurance.
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PIP & Medical
- Personal Injury Protection (PIP)
Florida is a no-fault insurance state. This means that each person's insurance will cover his own injuries and damages, regardless of who is at fault for the accident. This no-fault insurance status does not dismiss individuals from carrying insurance, as it is a state-mandated coverage. Florida maintains its no-fault status to reduce the number of small claims suits. Since every Floridian insurance carrier pays the injuries and damages for its own policyholders, the policyholders are less likely to litigate against one another for minor injuries and damages. As a result, accident litigation is generally reserved for extensive injuries and damages that exceed the coverage limits of the policy or that result from gross negligence.
PIP, or personal injury protection, provides a maximum of $10,000 for injuries that are incurred during an accident. This protection provides coverage for the driver of the vehicle, as well as the driver's passengers. This personal injury protection coverage provides protection for all drivers that are listed on the insurance policy. Since the coverage is no-fault, there is no delay in the coverage's payout because the coverage can be used even while the accident is under investigation. - Medical Payments
Auto medical payments can protect you differently from your auto liability coverage or your health insurance policy. Most auto insurance policies offer a type of coverage called Medical Payments, often abbreviated as Med Pay. Depending on the company, you can usually purchase it in amounts such as $1,000, $5,000, $10,000, $25,000 or $50,000 per person, per accident. Should you be injured in a collision, Med Pay coverage pays for medical expenses (and funeral costs, if necessary) resulting from the accident for you and for all of your passengers. It also pays for you or your family members who may be injured while riding in someone else's car or while walking.
- Personal Injury Protection (PIP)