Florida Auto Insurance

Purchasing the right auto insurance policy is critical to protecting you and your family. You never know when an accident will occur and ensuring that you are covered by an uninsured motorist clause, gap protection and more, can make the difference between a positive outcome to your accident or one that is financially damaging. Don’t take the risk when, at Florida Educators Insurance, our professionals offer many types of auto insurance coverage to meet any lifestyle. We will help you choose the right auto coverage for you’re needs and get you all applicable discounts to find the best value for you. Below are some options available to you. Call us today to ensure you have the proper coverage and discounts!

Liability Coverage

Types of Coverage Who is Covered? What is Covered?

Types of Coverage

There are two types of compensation associated with liability coverage;

Bodily Injury

Bodily injury covers losses resulting from injuries you cause to others.

Property Damage

Property damage covers repair costs or the value of the property you have damaged.

Who is Covered?

You, along with family members who are living at your residence, are covered if driving your car or another person’s car with their permission. Someone else driving your car with your permission.

What is Covered?

Those covered can be paid for losses related to:

  • Death
  • Injury
  • Medical care
  • Loss of services
  • Property damage (in certain states)
  • You are also covered for certain defense costs, bail bond costs and emergency first aid to others

Uninsured Motor Vehicle Coverage

Why You Need   Who is Covered? What is Covered?

Why You Need  

This coverage protects you, your family and passengers against losses caused by an at-fault driver who has no liability coverage or by a hit-and-run driver.

Who is Covered?

You and any passengers in your car.You, along with resident relatives, are covered if occupying another person’s car.

What is Covered?

Those covered can be paid for losses related to:

  • Death
  • Injury
  • Medical care
  • Property damage (in certain states)

Underinsured Motor Vehicle Coverage

Why You Need   Who is Covered? What is Covered?

Why You Need  

This coverage protects you, your family and passengers against losses caused by an at-fault driver with insufficient liability coverage.

Who is Covered?

You and any passengers in your car. You, along with resident relatives, are covered if occupying another person’s car.

What is Covered?

Those covered can be paid for losses related to:

  • Death
  • Injury
  • Medical care
  • Property damage (in certain states)

Medical Payments / Personal Injury Protection Coverage

Why You Need   Who is Covered? What is Covered?

Why You Need  

This protection covers you and your passengers regardless of who was at fault. In addition, you are also covered if you’re injured as a pedestrian.

Who is Covered?

You, along with resident relatives, are covered.

What is Covered?

Those covered are paid for medical expenses, including:

  • Ambulance
  • Medical, surgical and dental treatment, including X-rays
  • Hospital care and nursing
  • Eyeglasses
  • Funeral
  • Additional coverage may provide for loss of income and/or services

Collision Coverage

Why You Need

Why You Need

This protection covers auto damage to insured vehicles that collide with another object. Repair or replacement costs will be covered for your vehicle, up to its actual cash value minus your deductible.

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Comprehensive Coverage

Why You Need

Why You Need

This covers damage to your car from non-collision events, including fire, theft, vandalism, falling rocks, hail, or impact from an animal. Repair or replacement costs will be covered for your vehicle, up to its actual cash value minus your deductible.

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Emergency Road Service / Express Service

Why You Need

Why You Need

A car accident or breakdown doesn’t have to leave you stranded with our roadside service. This coverage provides for:

  • Battery jump start*
  • Tire change*
  • Gasoline, oil and water delivery*
  • Towing
  • Minor mechanical adjustments
  • Lockout service

Emergency Road Service also includes Express Service, prompt 24/7 assistance at no additional charge. We will be billed directly for the services up to your Emergency Road Service coverage limit.

* Costs of the battery, tire(s); gasoline or oil are not covered under this policy.

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Rental Reimbursement

Why You Need

Why You Need

Rental Reimbursement helps pay for a rental car following a covered loss, so you can still get through your day without your car.

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Available Discounts

  • Educator
  • Multi-Line
  • NEA, FASA, Coach's Association
  • Homeowner
  • Good Student
  • Driver Training
  • Credit Union
  • School Payroll, where available

Coverage is subject to the terms, limits and provisions in the policy. This Web page provides only a general description of coverage and is not a statement of contract. You must have comprehensive coverage for your vehicle in order to qualify for Emergency Road Service, and both comprehensive and collision coverage’s to qualify for Rental Reimbursement.