Auto Insurance

Auto Insurance

While getting a driver's license will be one of the essential qualifications for driving within Florida, auto insurance will also be a critical part of owning a vehicle. Getting a policy will help keep you covered while out on the road, minimizing any additional costs you are likely to incur during emergencies. Below, Bill Nesper Insurance Services Inc. tackles common auto policies that car owners should consider.

Uninsured and Underinsured Coverage

As the name suggests, uninsured coverage takes care of your damage when a driver hits you without insurance. It pays for your medical and repair expenses when your vehicle is damaged in an accident. Underinsured coverage will kick in when you are hit by a driver whose policy has limits. Underinsured coverage pays for the remaining costs of your damages when this happens. These policies will also cover your passengers.

Collision Coverage

Collision coverage helps pay for vehicle repair costs when you are involved in a collision accident. If you hit objects such as vehicles or posts, this cover will pay for your vehicle's repair or replacement costs.

Comprehensive Coverage

Comprehensive coverage protects you when you get into a non-collision accident. If your vehicle is damaged during vandalism attacks, hail, or fire incidences, this policy compensates you for the repair costs. Comprehensive coverage will help pay for the replacement costs if it is stolen.

Personal Injury Protection

Personal injury protection pays for your medical expenses when you are involved in an accident. Costs covered include ambulance expenses, X-ray costs, and consultation fees. Your passengers also benefit from this coverage, which takes care of lost income due to sustained injuries.

Liability Coverage

Liability coverage comes with two components, the first being bodily injury liability. It helps pay for other people's injury expenses if you cause an accident. The second is property damage liability, which takes care of damage to other people's property, such as cars, buildings, and fences. It will also cover your legal fees when you are sued for any of the above liability claims.

Auto insurance not only allows you to abide by state legislation but also makes it possible to keep you and your passengers safe when driving within Florida. Bill Nesper Insurance Services Inc. provides customized coverage for auto policy seekers, so make it a point to call us today.