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auto insurance experts

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.

Representing financially stable comanies:
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Where ever 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.

We’ll help you protect your car with:

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.

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 - for example a telephone pole, fence, or building

 


Florida Auto Insurance Policy FAQ

Liability Coverage

  • Bodily Injury Liability
    Injuries that you (insured) cause to someone else is covered under this part of an auto insurance policy. This is not required in Florida unless you displayed a 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
    First number = bodily injury liability maximum for one person injured in an accident.
    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.

Medical Payments Coverage
Benefits Provided Include:
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.)
Necessary remedial treatment (nursing home care or home nursing care).

No Fault Coverage (PIP)
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 inability to work because of an
injury suffered in an accident.

$5,000 death benefit

Uninsured Motorist Coverage
The company will pay for injuries to "insured" who is legallly entitled to recover from the owner or operator of an "uninsured motor vehicle" because "bodily injury" caused by an accident. Limits of liablility under uninsured motorist coverage can be equal to or less than the bodily injury limits of the policiy.

 

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