Florida Auto Insurance Questions

What is Uninsured /Underinsured Motorist coverage?

Uninsured Motorist insurance (UM) pays for injuries, such as medical expenses, that result from an accident caused by a driver who is uninsured/underinsured UM insurance also protects you and your passengers if struck by a hit-and-run driver.Covered UM expenses for you and your passengers...

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What is rental car reimbursement coverage?

Rental Reimbursement provides rental car coverage if you have a claim that is covered under Comprehensive or Collision coverage.Daily rental amounts are subject to the limit purchased. There are different coverage limits available and limitations apply for example:If you purchase Rental...

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I am going out to purchase a new car that will have a loan on it. I know the lender requires a full-coverage policy and I will soon be looking for a quote for auto insurance. What types of coverages are available on most full-coverage auto policies?

The following is a list of coverages available on most auto policies:Collision Coverage. Covers auto damage from a collision with another car. Comprehensive Coverage. Covers auto damages from causes such as fire, theft, hail, vandalism or many other events. Bodily Injury Liability. Protects...

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Will my personal auto policy cover business use?

Your personal auto policy provides coverage for some business use of your vehicle. Similarly, your employees personal auto policies cover some business use of their vehicles too. A personal auto policy is unlikely to provide coverage, however, if the vehicle in question is used primarily in...

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What determines the price of my auto policy?

There are many factors that influence the price you pay for auto insurance. Your premium may be higher or lower, depending on:1.Your driving record.The better your record, the lower your premium. If youve had accidents or serious traffic violations, you will pay more than if you have a clean...

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What if I lease a car?

If you lease a car, you still need to buy your own auto insurance policy. The auto dealer or bank that is financing the car will require you to buy collision and comprehensive coverage. Youll need to buy these coverages in addition to the others that may be mandatory in your state, such as auto...

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My car was recently stolen what coverage would that be under?

Auto theft is covered under the comprehensive section of an auto insurance policy. Theft coverage applies to the loss of the vehicles as well as parts of the car such as air bags. Comprehensive coverage, which is not mandatory, also pays for fire, vandalism and weather-related damage including...

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What is the most common way to purchase automobile insurance?

There are presently 3 ways to purchase car insurance:1) From a Independent Agent 2) From a Captive Insurance Agent3) Directly From a Insurance CompanyThe first two categories, the independent agent and the captive insurance agent are somewhat similar. We will go over those two categories first...

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How will getting a DUI affect my auto insurance rates?

Driving under the influence (or DUI) is a serious offense. If you are convicted of a DUI, more often than not, your insurance company will find out about the DUI and will deal with you in one of two ways. Typically, your rates will go up, sometimes substantially, or, the company will simply...

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Does the type of car I drive affect my insurance rate?

Insurance rates are certainly affected by the type of car you drive. Comprehensive and collision insurance premiums are mainly calculated by looking at the vehicles loss history, which is how often that model is stolen and how much it costs to repair or replace it after an accident.Most insurers...

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My car was flooded in a storm. Is it covered?

If you have purchased comprehensive coverage, also known as other than collision coverage, then your car will be covered for flood damage including flooding from a storm surge. Please note that comprehensive coverage is optional with a standard auto policy.

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What factors can affect the cost of my automobile insurance?

A number of factors can affect the cost of your automobile insurance, some of which you can control and some that you can not. The type of car you drive, the purpose the car serves, your driving record, and where the car is garaged can all affect how much your automobile insurance will cost. Even...

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What is Bodily Injury Liability (BIL) insurance?

Bodily Injury Liability coverage pays for serious and permanent injury or death to others when you cause a crash involving your automobile. Your insurance company will pay for injuries up to the limits of your policy and provide legal representation for you if you get sued. In particular, your...

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What is Personal Injury Protection (PIP) insurance?

PIP is coverage that will compensate a loss due to injury regardless of who is charged with causing the accident. PIP applies to bodily injury to you, relatives who live in your home, passengers who are not required to have PIP, as well as licensed drivers who drive your vehicle with your...

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Should I buy the insurance from a rental car company?

If you have a personal auto insurance policy, generally speaking, your auto insurance should extend to a rental car. Depending on your particular policy, a rental car will most likely be covered by the collision or liability coverage you carry because youre temporarily driving it and you do not...

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If I borrow my friends car will their auto insurance cover me?

Different states have different policies on this coverage and you need to be sure to check your states policy. In most cases, the answer depends on what you are using it for, how often, and how long you are using it for. How often: If you only borrow your friends car occasionally, for instance...

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What is Collision and Comprehensive Insurance?

Collision and Comprehensive are 2 different types of insurance coverage in an auto policy that will protect your car in case of a covered loss. Collision insurance is an optional feature in your auto policy and is the coverage responsible for how your car will get repaired after you have an...

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F.A.Q - Questions And Answers about Florida Insurance


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