Learn About Coverage

We offer the coverages you need, without the confusing language

Auto insurance coverage is a complicated subject. We have tried to make our coverages easy to understand with the following general explanations and examples. Please refer to your policy for additional details and limitations.

Required by law in Florida:

Personal Injury Protection (PIP)

By Florida law, any person injured in an automobile accident, regardless of which driver is at-fault, will seek payment for medical expenses and treatment from their own PIP Coverage. This is often referred to as the “Florida No-Fault Motor Vehicle Law.” PIP insurance pays the treatment costs related to your injuries from an accident (minus your deductible and any copayments). It may also cover some of the cost of lost wages, and the cost of helping the injured person(s) perform day-to-day duties that their injury prevents them from doing. PIP can even reimburse you for the cost of driving to your doctor visits.

+ Example
Another driver ignores a stop sign and rear-ends your vehicle. You are injured and have a $2,000 medical bill. Instead of filing a claim with your health insurer, you can file with us and we will pay the bill (minus your deductible and copayments).

Property Damage Liability (PD)

If an insured driver of your vehicle is at-fault for an accident, Property Damage Liability insurance covers the cost of other people’s property damage, subject to coverage limits, including other vehicles, buildings, signage, fencing, etc. Property Damage coverage does not pay for damages to your vehicle and/or your property.

+ Example
Your spouse on your policy backs your vehicle into a parked vehicle. We will pay for the damages up to the applicable coverage limits. There is no deductible for Property Damage Liability coverage.

Optional coverages:

Bodily Injury Liability (BI)

If an insured driver of your vehicle is at-fault for an accident, Bodily Injury Liability protects you for personal liabilities to an injured person(s). BI can compensate an injured party for out of pocket medical expenses as well as other injury damages that you may be liable for (up to the coverage limit).

+ Example
You rear-end another car; the other driver is injured and has $2,000 in out of pocket medical expenses. The BI could cover those treatment costs. There is no deductible for Bodily Injury coverage.

Comprehensive and Collision

If random acts of nature or other events beyond your control cause damage to your vehicle, Comprehensive covers the cost of that damage. Covered situations could include fire, flooding, vandalism, theft, or hitting an animal.

If an insured driver of your vehicle is involved in an impact with another vehicle and or object, this is a Collision Loss. Collision insurance covers the cost of damage to your vehicle (minus your deductible amount) regardless of fault.

+ Comprehensive Example
You park under a tree. During a storm, a tree branch breaks off and falls onto your car, resulting in $2,500 in damage. We will pay for the repairs to your car (minus your deductible amount).
+ Collision Example
You rear-end a large truck causing $3,000 in damage to your car. We will pay to repair your vehicle (minus your deductible amount).

Uninsured Motorist (UM)

If you are in a car accident that is not your fault and the at-fault driver is uninsured, or underinsured with respect to Bodily Injury liability, Uninsured Motorist coverage helps to pay for medical and other injury-related damages.

+ Example
Another driver ignores a red light, and collides with your vehicle. You are injured. The driver that caused the accident was not insured. We will pay for medical expenses and other injury-related damages that are not covered by your PIP coverage, up to the limit that you selected on your policy.


Towing coverage provides reimbursement of up to $75 for towing fees or road service costs after your vehicle has been disabled. There is a limit of 1 tow or road service per incident. There is no limit on the number of claims per year.

Rental Car Reimbursement

In the event that your covered vehicle is disabled due to a Collision or Comprehensive loss (not including mechanical failure, breakdown or maintenance issues that cause a vehicle to be disabled), the Rental Coverage option will reimburse the insured for expenses incurred by you in obtaining a temporary substitute vehicle up to the limits on the policy.