Getting the Best Business Auto Insurance Quote?

Answer 1

Business auto insurance is not always best handled by the same brokers and underwriters that handle personal auto insurance, and it is not advised to insure a business vehicle as if it were for personal use. To get the best business auto insurance quote, start by dealing with the broker who handles your general business insurance needs. In addition, ask the dealer from whom you plan to buy the car if he has any suggestions or if the dealership offers any type of assistance with business auto insurance plans through an affiliated broker.

Answer 2

There are many types of car insurance out there. But we will discuss the top three primary types of Car Insurance Coverage in Southwest Florida.

Comprehensive Coverage

Comprehensive coverage with your insurance company pays for losses from certain incidents. Many insurance policies have deductibles for this coverage, meaning you will be responsible for the initial cost of the loss up to the amount of the deductible you have chosen.

It may help pay for damage to your car due to incidents besides collisions, including vandalism, certain weather events and accidents with animals.

Most car owners purchase this type of auto insurance because it covers a lot of benefits.

Liability Coverage

Auto liability coverage is mandatory in most states. Drivers are legally required to purchase at least the minimum amount of liability coverage set by state law. Liability coverage has two components:

Bodily injury liability may help pay for costs related to another person’s injuries if you cause an accident.

How Much Bodily Injury Liability Coverage Should I Carry in Florida?

In order to protect yourself against personal liability if you cause a collision involving motor vehicle collision, it is important to consider purchasing Bodily Injury Liability Coverage. Bodily Injury Liability Coverage can be purchased in a variety of different coverage amounts, with the minimum amount being $10,000.00 for anyone’s injury claim. Depending on your need for protection from personal liability and your financial ability to purchase this coverage, it is important to consider purchasing as much Bodily Injury Liability Coverage as you are able. The more in Bodily Injury Liability Coverage that you carry, the less at risk for personal liability you will be.

Property damage liability may help pay for damage you cause to another person’s property while driving.

How Much Property Damage Liability Coverage Am I Required to Carry in Florida?

If you own a motor vehicle in Florida, you are required to carry a minimum of $10,000.00 in Personal Injury Protection Coverage and $10,000.00 in Property Damage Liability Coverage. There are currently no other auto insurance coverage requirements that will protect you in the event you are involved in a motor vehicle collision, however, there are a number of other coverages that you may want to consider purchasing so that you are fully insured if a motor vehicle collision occurs.

Personal Injury Coverage

Personal injury protection, or PIP, is only available in some states. Like medical payments coverage, PIP may help pay for your medical expenses and loss of income resulting from a covered accident – for example, child care expenses or lost income.

There is still a lot of insurance coverage that is useful for every car owner in Florida such as Medical Payments Coverage, Towing, and Labor Insurance, Gap Insurance, Underinsured Motorist Insurance, and many more.