Dependable Car and RV Insurance Coverage

The value of good auto insurance often doesn't become apparent until you really need it. Whether it's a minor fender bender or a more substantial accident, it pays to have insurance coverage you can count on. Wherever your road takes you, protect yourself, your car and others along the way. Phoenix of Florida Insurance will help you get the best coverages at the best value from the national carriers.

Call us for information about RV, boat and motorcycle insurance.

Recreational Vehicle
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Boat
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Commercial Auto
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We’ll help you protect your car with:

Comprehensive Coverage
May pay for damage to your car, minus any deductible, caused by things other than collision or upset (fire, theft or glass breakage). Comprehensive covers all direct and accidental loss to a covered auto or an auto damaged by an insured, including its equipment, which is not caused by collision or upset. Other motor vehicles or trailers may also be covered.
Collision Coverage
Covers damage caused to the owners auto from a collision caused by another auto or other object. The deductible is the amount you choose to pay upfront (if any) before the auto insurance policy pays. The higher the deductible chosen the lower the collision coverage cost within the car insurance policy.
Collisions include an auto hitting such things as:
A parked car.
Another vehicle.
An object such as a telephone pole, fence or building.

Florida Auto Insurance Policy FAQ

Liability Coverage
Bodily Injury Liability
Injuries that you (insured) cause to someone else are covered under this part of an auto insurance policy. This is not required in Florida unless you displayed financial irresponsibility following an accident. The minimum liability insurance coverage available for purchase in Florida is 10/20 and is explained in detail below. However, we recommend that you choose liability insurance coverage amounts that are much higher than the minimums.
Florida Liability Coverage limits explanation:
10/20/10 =$10,000 - 20=$20,000 - 10=$10,000
The first number = bodily injury liability maximum for one person injured in an accident.
The second number = bodily injury liability maximum for all injuries in one accident.
Third number = property damage liability maximum for one accident.
Property Damage Liability
Damage caused by the insured (you) to someone else's property, such as a motorcycle, car, truck, fence, or house, is covered through property damage auto insurance coverage. This coverage also assists in protecting you if a lawsuit arises from an accident. The minimum coverage amount in Florida is $10,000.
No-Fault Coverage (PIP)
Pays 80% of all reasonable expenses for necessary medical, surgical, x-ray, dental and rehabilitative services, including prosthetic devices, wheelchairs, crutches, slings, neck braces and splints (including necessary travel related to medical care) and necessary remedial treatment (nursing home care or home nursing care).
Florida requires a minimum of $10,000 of PIP or personal injury protection coverage. This coverage pays medical bills for injuries suffered in an auto accident regardless of who caused the accident.
Pays 60% of gross income loss caused by an inability to work because of an injury suffered in an accident.
$5,000 death benefit.
Medical Payment Coverage
Pays for medical bills not covered by PIP
Uninsured Motorist Coverage
The company will pay for injuries to "insured", who is legally entitled to recover from the owner or operator of an "uninsured motor vehicle" because of "bodily injury" caused by an accident. Limits of liability under uninsured motorist coverage can be equal to or less than the bodily injury limits of the policy.