VanAllen/Acentria Insurance offers Auto Insurance Coverage in Florida. We will be
happy to review your coverage to make sure you are getting the most amount of insurance
for the least amount of money. We can offer you a wide variety of coverage options!
What is auto insurance?
An auto insurance policy is comprised of six different kinds of coverage. Most states
require you to buy some, but not all, of these coverages. If you're financing a
car, your lender may also have requirements. Most auto policies are for six months
to a year. Your insurance company should notify you by mail when it’s time to renew
the policy and to pay your premium.
What is covered by a basic auto policy?
Your auto policy may include six coverages. Each coverage is priced separately.
1. Bodily Injury Liability
This coverage applies to injuries that you, the designated driver or policyholder,
cause to someone else. You and family members listed on the policy are also covered
when driving someone else’s car with their permission.
It’s very important to have enough liability insurance, because if you are involved
in a serious accident, you may be sued for a large sum of money. Definitely consider
buying more than the state-required minimum to protect assets such as your home
2. Medical Payments or Personal Injury Protection (PIP)
This coverage pays for the treatment of injuries to the driver and passengers
of the policyholder's car. At its broadest, PIP can cover medical payments, lost
wages and the cost of replacing services normally performed by someone injured in
an auto accident. It may also cover funeral costs.
3. Property Damage Liability
This coverage pays for damage you (or someone driving the car with your
permission) may cause to someone else's property. Usually, this means damage to
someone else’s car, but it also includes damage to lamp posts, telephone poles,
fences, buildings or other structures your car hit.
This coverage pays for damage to your car resulting from a collision with another
car, object or as a result of flipping over. It also covers damage caused by potholes.
Collision coverage is generally sold with a deductible of $250 to $1,000—the higher
your deductible, the lower your premium. Even if you are at fault for the accident,
your collision coverage will reimburse you for the costs of repairing your car,
minus the deductible. If you're not at fault, your insurance company may try to
recover the amount they paid you from the other driver’s insurance company. If they
are successful, you'll also be reimbursed for the deductible.
This coverage reimburses you for loss due to theft or damage caused by
something other than a collision with another car or object, such as fire, falling
objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, riot,
or contact with animals such as birds or deer.
Comprehensive insurance is usually sold with a $100 to $300 deductible, though you
may want to opt for a higher deductible as a way of lowering your premium.
Comprehensive insurance will also reimburse you if your windshield is cracked or
shattered. Some companies offer glass coverage with or without a deductible.
6. Uninsured and Underinsured Motorist Coverage
This coverage will reimburse you, a member of your family, or a designated driver
if one of you is hit by an uninsured or hit-and-run driver.
Underinsured motorist coverage comes into play when an at-fault driver has insufficient
insurance to pay for your total loss. This coverage will also protect you if you
are hit as a pedestrian.
If you would like information about other types of personal insurance, please
contact us. We will be glad to answer any questions you