• PIP (Personal Injury Protection): Helps cover medical expenses, lost wages, and more for you and your passengers after an accident, regardless of fault.
• PD (Property Damage): Pays for damage to someone else's property caused by your vehicle during an accident.

Covers medical costs, pain and suffering, and legal fees for injuries you cause to others in an accident

Click here see sample declaration page

Click here see sample declaration page

Used primarily for driving to and from school.

Used for general personal activities, such as running errands or leisure driving.

Used mainly for recreational activities and weekend driving.

Used for business purposes, such as meeting clients or transporting goods (excluding rideshare and artisan uses)

Used for ridesharing services like Uber or Lyft.

Used by tradespeople (e.g., carpenters, plumbers, electricians) to carry tools and materials to job sites.

Think of this as "everything else" insurance. It covers damage to your car that isn't caused by a collision, such as theft, vandalism, or natural disasters. If a tree falls on your car, comprehensive coverage helps pay for repairs.

• If you choose a $0 deductible, your insurance will cover the full cost of repairs for covered damages without requiring you to pay anything upfront. This option provides the highest coverage but usually comes with higher premiums.
• If you choose a $250 deductible, you will pay the first $250 of the repair costs for covered damages. Your insurance will cover the rest. This option balances affordability and coverage.
• If you choose a $500 deductible, you will pay the first $500 of the repair costs for covered damages. This option often comes with lower premiums compared to smaller deductibles.
• If you choose a $1,000 deductible, you will pay the first $1,000 of the repair costs for covered damages. This option usually offers the lowest premiums but requires a higher out-of-pocket expense in the event of a claim.
• I do not need comprehensive coverage (not recommended if you have a lienholder or want coverage for non-collision damages like theft or weather events).

Think of this as "crash damage" insurance. Collision coverage pays to repair or replace your car if it's damaged in an accident—whether you hit another vehicle, a pole, a curb, or your car rolls over. It protects your car regardless of who is at fault.

• $0 Deductible: You pay $0 toward repairs. Insurance covers the full amount. Highest protection, higher premiums.
• $250 Deductible: You pay the first $250 of repair costs. Insurance covers the rest. A strong balance between cost and protection.
• $500 Deductible: You pay the first $500. Usually lowers the monthly premium compared to smaller deductibles.
• $1,000 Deductible: You pay the first $1,000. Lowest premium option, but higher out-of-pocket at claim time.
• I do not need collision coverage: Not recommended if your car is financed or leased, or if you want coverage for accident-related damage to your vehicle.

PIP stands for Personal Injury Protection, which covers your medical expenses and lost wages regardless of who is at fault in an accident. PD stands for Property Damage Liability, which covers the cost of damage you cause to another person's property. Both are required by Florida law.

• With a $0 deductible, your insurance will cover the full cost of eligible medical expenses, lost wages (PIP), and property damage you cause (PD) without any out-of-pocket cost upfront. This option comes with higher premiums but offers the most immediate coverage.
• With a $250 deductible, you will pay the first $250 of eligible expenses for PIP/PD before your insurance covers the rest. This option balances upfront costs and premiums.
• With a $500 deductible, you will pay the first $500 of eligible expenses for PIP/PD. This option typically reduces your premiums but requires more out-of-pocket payment if you file a claim.
• With a $1,000 deductible, you will pay the first $1,000 of eligible expenses for PIP/PD. This option offers the lowest premiums but requires higher upfront payment in the event of a claim.

While not required by the state for all drivers, this coverage is crucial if you're at fault in an accident and others are injured. It helps cover their medical expenses and legal costs.

Uninsured/Underinsured Motorist Coverage protects you if you're in an accident caused by a driver who either doesn't have insurance or doesn't have enough insurance to cover your damages. It helps pay for medical expenses, lost wages, and other costs for you and your passengers.

• This is a basic coverage level and may be suitable for customers looking for a cost-effective option. It pays up to $10,000 for injuries to one person and up to $20,000 total for all injuries in one accident.

• A mid-tier option that offers a balance between coverage and cost. It provides up to $25,000 for one person and $50,000 total per accident.

• Higher coverage that's recommended for added protection. It covers up to $50,000 for individual injuries and $100,000 total for all injuries per accident.

• A premium coverage level for those wanting maximum protection. It offers up to $100,000 for one person and $300,000 total per accident.

This coverage is here to protect you if you're ever in an accident where the other driver is at fault but doesn't have enough insurance or any insurance to cover your medical costs. It's like a safety net that helps pay for your medical bills and lost wages if the person at fault can't cover these costs. Choosing the right level of coverage can save you from paying out of pocket for unexpected injuries and expenses.

• This option helps cover medical expenses and lost wages up to a certain limit if you're injured in an accident caused by a driver without insurance.

• Offers more coverage for medical bills and lost wages, providing a greater buffer against the costs of an accident with an underinsured driver

• This provides even higher coverage limits to help ensure most of your expenses are covered if you're hit by someone without adequate insurance.

• Our most comprehensive option gives you the highest level of coverage, ideal for ensuring you're well-protected against various risks and financial burdens caused by underinsured or uninsured drivers.

What is an SR-22?
An SR-22 is not actually insurance, but a certificate that proves you carry the minimum car insurance required by the state of Florida. Think of it as a hall pass that shows you have what you need to drive legally. You might need an SR-22 if you've had certain types of traffic violations, such as driving without insurance, a DUI, or other serious infractions. It's a way for the state to keep an extra eye on your car insurance status to make sure you're following the rules. In Florida, if you're required to have an SR-22, you'll need to maintain it for about three years, depending on your specific situation. During this time, you must keep continuous insurance coverage. If your policy lapses or expires, your insurance company is required to notify the state, which could lead to your driver's license being suspended.
SR-22 Minimum Liability Limits in Florida: • $10,000 for one person in bodily injury liability • $20,000 for two or more people in bodily injury liability • $10,000 per crash in property damage liability

An FR-44 is similar to an SR-22 but is required for more serious offenses, particularly DUI convictions. Like the SR-22, an FR-44 is a certification from your insurer that you're maintaining car insurance coverage. However, the FR-44 requires higher liability limits than the SR-22 or the standard policy. If you're told you need an FR-44, it's because the state wants to ensure that you have enough coverage to protect others if you're involved in an accident, given your past driving record.
FR-44 Minimum Liability Limits in Florida: • $100,000 for one person in bodily injury liability • $300,000 for two or more people in bodily injury liability • $50,000 per crash in property damage liability

• Rated Driver: A person actively covered under the policy and factored into the insurance premium calculation. This includes individuals who frequently use the vehicle or are designated as the primary driver.
• Excluded Driver: A person explicitly removed from coverage under the policy. If they drive the insured vehicle, no claims will be covered, and they will not have any legal protection under the policy.
• Listed Driver: A person included on the policy who resides in the household or has access to the vehicle but is not the primary or rated driver. They are typically covered for occasional use but do not impact the premium as much as a rated driver.