Car & truck insurance

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LIABILITY COVERAGE 

The liability section covers your financial responsibility for injuring others and damaging their property in a car accident. If you're sued, it also pays your defense and court costs. Florida sets a minimum coverage level for bodily injury at 10,000 per person, 20,000 per accident. Property damage is set for a minimum of 10,000. The higher your limits, the more protection we will have.

MEDICAL PAYMENTS COVERAGE 

If you were injured in an accident, Medical Payments Coverage would pay reasonable medical and funeral expenses up to specified limits for covered persons. Most states do not require this coverage, but it provides excellent coverage at an affordable price. The cost will correspond to the limits you select. There are no deductibles or copays so that this coverage can pay from the first dollar of incurred, covered expenses.

COLLISION AND COMPREHENSIVE COVERAGE 

This part covers the cost of repairing your auto after an accident or if it's damaged by fire, water, hail, when you hit an animal, or if your vehicle gets stolen. You may also choose to have coverage for towing, car rental, or medical payments.

UNINSURED/UNDERINSURED MOTOR VEHICLE COVERAGE 

Uninsured Motorist Coverage will pay for damages when you are injured in a car accident caused by another person who does not have sufficient liability insurance. Medical expenses, pain and suffering, and lost wages are examples of bodily injury damages.

CAR RENTAL 

Rental Reimbursement pays the cost of renting a replacement vehicle if your car is disabled after an accident, so you don’t have to interrupt your daily routine.

EMERGENCY ROAD SERVICE 

Emergency Road Service provides costs incurred for towing your vehicle to a repair facility, mechanical labor at the place of breakdown when your vehicle becomes disabled, pulling your vehicle out of a location where it is stuck, delivery of gas or oil, assistance with changing a tire, a jumpstart and locksmith services.

BODILY INJURY LIABILITY 

Bodily Injury Liability typically covers damages that result from the injury or death of another driver or a guest passenger on your motorcycle when you are at fault. Some of the things you may be liable for include medical expenses, lost wages, and pain and suffering.

PROPERTY DAMAGE LIABILITY 

Property Damage Liability typically covers damages that result from the damage to another person’s property when you are at fault. Some of the things you may be liable for include vehicles, private residences, storefronts, and other structures.

UNINSURED/UNDERINSURED MOTORIST BODILY INJURY 

This coverage typically covers damages that result from the injury or death of you or a passenger on your motorcycle caused by an uninsured or underinsured driver.

MEDICAL PAYMENTS 

Medical Payments typically covers reasonable and necessary medical expenses resulting from any injury to you or your passengers. Some costs that might be covered include ambulance, hospital, x-ray, dental, and surgical.

PERSONAL INJURY PROTECTION 

If you’re hurt in an accident, or worse, expenses could add up faster than you imagine. That’s where this coverage can help, with reimbursements for medical and hospital expenses, lost income, services you would normally do yourself, funeral expenses, child care expenses. You’re typically covered regardless of who was at fault.

COLLISION 

It typically covers damages to your motorcycle that result from a collision with another object, which could include another car or motorcycle, a tree, or a building.

COMPREHENSIVE 

Comprehensive coverage typically covers your bike if it’s stolen or damaged by flooding, wind, vandalism. Comprehensive coverage typically covers the cost of repairing or replacing your bike, up to the actual cash value.

TOWING 

Typically reimburses you (up to the applicable limit) for getting your bike to the shop if it breaks down or is in an accident.