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Auto Insurance

We have polices for both commercial and personal vehicles. Please view the available options below for more information on the different policies we offer:

Types of Auto Insurance:

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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:

    • A minimum of $10,000 of Personal Injury Protection (PIP)
    • A minimum of $10,000 of Property Damage Liability

    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:

    • 80%of medically necessary expenses; that must be used within 14 days of the accident.
    • 60% of lost wages (This coverage could be excluded in order to obtain lower rates)
    • $2,500 for Non-emergency treatment (Chiropractor or physical Therapy)
    • Up to $5,000 for death benefits.

    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:

    • Comprehensive – In most cases applies for perils such as: Theft, Flood, Falling objects, etc.
    • Collision – This applies mostly for collision with another vehicle or property.

    Optional Coverages there are available:

    • Uninsured/Underinsured Motorist (UM) – This coverage must be equal or less than your BI limit if accepted. Otherwise it must be rejected by written statement.
    • Medical Payments – Coverage is applicable in excess of PIP regardless of fault
    • Towing – Towing Services are only available for towing a auto in case of accident.
    • Road Side Services – Mechanical Assistance in case of mechanical breakdown
    • Rental Reimbursement – Applicable in case the insured auto is in shop for repair due an accident
    • Special Equipment – Any non-original manufacture equipment that was installed by the insured.

     

  • 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?

    • Bodily injury liability coverage – This pays for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defense.
    • Property damage liability coverage – Property damage liability coverage provides you with protection if your car accidentally damages another person’s property. It also provides you with a legal defense.
    • Combined single limit (CSL) – Liability policies typically offer separate limits that apply to bodily injury claims for property damage. A combined single limits policy has the same dollar amount of coverage per covered occurrence whether bodily injury or property damage, one person or several.
    • Medical payments, no-fault or Personal Injury Coverage – This extremely important coverage usually pays for the medical expenses of the driver and passengers in your car incurred as a result of a covered accident regardless of fault.
    • Uninsured motorist coverage – This coverage pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, underinsured motorist coverage is also included. This is for cases in which the at-fault driver has insufficient insurance.
    • Comprehensive physical damage coverage – This pays for damage to or replacement of your car from theft, vandalism, flood, fire, and other covered perils.
    • Collision coverage – Just like the name sounds, this pays for damage to your car when it hits or is hit by another object. Comp/Collision can be determined by the vehicle's stated amount or Actual Cash value whichever is less.

    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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