Custom Policies for
Every Florida Driver

Bodily Injury & Property Damage Liability

Bodily Injury covers losses resulting from injuries you cause to others in an at-fault accident. Property Damage covers repair costs or the replacement value of property you have damaged.

• You and family members residing at your address
• Any covered driver operating your car with permission

• Death & bodily injury to others
• Medical care for injured parties
• Loss of services & property damage
• Defense costs, bail bond costs & emergency first-aid

Comprehensive & Collision Coverage

Comprehensive Coverage protects against non-collision events: fire, theft, vandalism, falling debris, hail, and animal impacts — all especially common in Florida. Repair or replacement is covered up to actual cash value, minus your deductible.

Collision Coverage covers damage to your vehicle when it collides with another object, regardless of who is at fault. Repair or replacement is covered up to actual cash value, minus your deductible.

Uninsured & Underinsured Motorist Coverage

Florida has one of the highest rates of uninsured drivers in the country. This coverage protects you, your family, and your passengers against losses caused by an at-fault driver who has no liability coverage — or insufficient coverage — to pay for your damages.

• You and all passengers in your car
• You and resident relatives if injured in another person's vehicle

• Death & bodily injury
• Medical care costs
• Property damage (in certain circumstances)

Medical Payments & Personal Injury Protection

Required in Florida, Personal Injury Protection (PIP) covers you and your passengers regardless of who caused the accident. You are also covered as a pedestrian if struck by a vehicle.

• Ambulance & emergency transport
• Medical, surgical & dental treatment
• Hospital care & nursing services
• Eyeglasses & prosthetics
• Funeral expenses
• Loss of income & essential services (additional coverage)

Emergency Road Service

An accident or breakdown shouldn't leave you stranded on a Florida highway. This coverage provides 24/7 roadside assistance at no additional charge — we bill the service provider directly up to your coverage limit.

• Battery jump start
• Flat tire change
• Gasoline, oil & water delivery
• Towing to nearest repair facility
• Minor mechanical adjustments
• Lockout service

*Cost of replacement battery, tires, gasoline or oil are not covered.

Rental Reimbursement

When your vehicle is in the shop following a covered loss, life doesn't stop. Rental Reimbursement helps pay for a rental car so you can stay on the go without added stress or out-of-pocket expense.

This coverage pairs with both comprehensive and collision coverage, and is a cost-effective add-on that many Florida drivers don't realize they need until it's too late.