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Personal Auto Insurance
Personal Automobile Insurance Overview
Personal automobile insurance is purchased for cars, trucks, and other vehicles. Its primary use is to provide protection against losses incurred as a result of traffic accidents and against liability that could be incurred in an accident.
What Coverage Is Required In Florida?
In Florida, to purchase a tag, you must carry:
However, Florida’s Financial Responsibility law requires drivers to be financially responsible for Bodily injuries to limits of $10,000 per person with a maximum of $20,000 per accident. If a driver or owner of a vehicle does not have sufficient cash reserves on the amount of $30,000 to meet the financial responsibility requirement, therefore it is a very good idea to purchase Bodily Injury Liability. The State minimum required is equal to: 10/20/10 (Bodily Injury/Property Damage Liability)
Personal Injury Protection (PIP)
PIP was designed to help reduce the need for Floridians to sue to cover injuries resulting from automobile accidents. PIPcovers the named insured and other members of the household. PIP pays:
The basic PIP limit is $10,000. However, additional PIP may be purchased or extended.
Physical Damage Coverage: This coverage protects your auto in case of accident/incident by a covered peril. You must select a Deductible to maintain for this coverage. This coverage is usually mandatory if your auto is financed or leased. These coverages are applied as follows:
Optional Coverages there are available:
Commercial Auto or Business Auto Insurance
Like your personal auto policy, provides similar coverages such as liability, collision, comprehensive, medical payments (or personal injury protection) and uninsured motorists coverage. However, the difference in premium can be determined upon the type of industry you will use the vehicle and average of distance ratio you will drive for business purposes use.
However, there are also differences between a commercial auto insurance policy and your personal auto policy that may include eligibility, definitions, coverages, exclusions, and limits.
Most Commercial Auto policies are "named driver only" policies, meaning only those drivers listed on the policy can operate a covered auto.
What are the coverages?
Commercial truck insurance policies
Commercial truck also defaults on the Commercial Auto as depending of your business you may qualify for coverages such as:
Tow truck insurance: If your business involves towing vehicles, you’ll need special policies in place. These include On Hook Towing (to cover damages caused to vehicles that you tow) and Garagekeeper’s Legal Liability (covers your business when you store cars for parking or service).
Motor truck cargo insurance: Does your business involve moving cargo? You’ll need a special policy to protect you in the event that damages are caused to the cargo.
Types of vehicles covered
Commercial Auto Insurance covers a variety of vehicles that you rely on to serve your customers. Often times, these vehicles include trucks such as:
* Dump trucks
* Flatbed trucks
* Box trucks
* Tank trucks
Motorcycle & Boat Insurance
Since boat and motorcycle insurance are not mandatory in the state of Florida, most Insurance carriers try to offer many discounts that are based on current auto insurance limits and experience, distance, mileage of used and the driver's safety and experience on driving either one.
What does Florida Boat Insurance cover?
Most boat policies cover physical damage to the hull, sails, machinery, furnishings, and most other equipment that is normally used on board. Most dangers are covered including vandalism, malicious mischief, and damage which results from collision or sinking.
Insurance needs differ depending on the type, age, or value of the boat or watercraft you own. Your policy will explain in detail what is covered and what is specifically excluded.
What about Liability Coverage for your boat policy?
You are also insured against liability losses. You are covered for damage you may cause to another boat, yacht, personal water craft, sailboat or dock, and for bodily injury or death to another person while operating your vessel.
Under most boat policies, the boat trailer is covered against physical loss or damage from any external cause.
What is motorcycle insurance covers
Florida's No-Fault, or "PIP Law" does not apply to motorcycles, "Trikes" or motorcycles with sidecars. HOWEVER, the Financial Responsibility FR Law applies to ALL motor vehicles in Florida, including motorcycles. Thus the voluntary purchase of motor vehicle liability insurance by an owner, operator or owner/ operator is highly recommended. From this you can see that no it is not required. However, if you crash into another person's property (i.e. their car, a house, a mailbox, etc.) you are going to be held liable for all damages and you may also be fined, have your license suspended/revoked, bike impounded, be labeled a "high risk" operator, and/or other various penalties. Notice that the excerpt says you may be subject to "civil court judgment". If a judge deems it necessary, you may be sentenced to serve time in jail or other sentences at the court's discretion.
Morning Star Insurance Agency.
Morning Star Insurance Agency, is an independent insurance agency, established on December of 2009, by CEO & Founder Fred Costa. Learn More
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