Flexible Coverage Options for Florida Auto Insurance
You must get an auto insurance policy that comprises of every conceivable option.Not everyone can afford expensive insurance and whether it’s a basic policy with just PIP or PD, to full coverage with bodily injury of 100/300. We search top-rated insurers to find you the best price available in your area. Through our extensive network, we are able to provide quotes from multiple companies that compete for your business.
Uninsured Motorist Coverage in Florida
In Florida, Uninsured Motorist Coverage is an optional coverage you can purchase on your own auto insurance policy. Uninsured Motorist coverage is for you and your relatives who live with you, and people who occupy your car. UM pays you for injuries caused by an auto accident where the at-fault driver is uninsured (has no insurance) or under-insured driver (not enough insurance). UM coverage can be used where you or your family members or driver of your car did not cause the auto accident.
Rental reimbursement and Towing and Labor
Ride-sharing Insurance Uber and Lyft
Ride-sharing companies have developed a new market for insurance. We offer a range of affordable auto products for Uber and Lyft drivers. These ride-sharing policies must be used instead of personal auto and therefore, it is important to tell us what you need. Using a personal policy on an Uber or Lyft may negate coverage should a claim arise. Please let the agent know what you are looking for in a ride-share policy. This way we will search the top-rated carriers to find you the best price.
If you use your auto for business, you must have a commercial auto policy. Certain cargo vans and trailers that are used for commercial auto must also be insured. Without protecting your vehicle with commercial insurance, you are opening yourself to the risk of significant financial loss tied to your business. The liability limits tend to be higher for commercial auto policies. Amount of commercial liability corresponds to your business type, the fleet, assets and the financial strength of the company
When you’re getting a quote for commercial auto insurance
These are terms you may encounter when you’re getting a quote for commercial auto insurance, whether you’re getting a price over the phone or at one of our many stores.
The process by which the commercial auto insurance company determines whether it will approve your application for insurance. During the underwriting process, an underwriter looks at the risks associated with getting an insurance for your business’s vehicles. The underwriting process may also help determine your premium amount.
The name of the business or person who owns the insurance policy.
Anyone who is driving a covered auto and has been given your permission to do so. If a permissive user is involved in an auto accident while driving, your insurance may provide the same coverage as if you were behind the wheel, but the level of coverage will depend on your state.
Fleet vehicles are rated differently than non-fleet vehicles. This definition may vary depending on your state and insurance company, but in general, you may be considered to have a “fleet” if you have at least three passenger type vehicles. Some companies require you to have at least five vehicles, and others, only two. Delivery services, construction companies, and taxi services are a few examples of industries that may contain a fleet of vehicles.
The length of time your policy is active. With Direct Auto, commercial policy terms are available for 6 and 12 months.
Combined Single Limits (CSLs)
Unlike most personal car insurance policies that have individual limits for bodily injury and property damage liability, a commercial policy will generally have a combined single limit. The result is higher limits for both bodily injury and property damage coverage. The most common commercial auto CSLs for small businesses, according to the III, are $500,000 and $1,000,000.
Fire and Theft CAC
The “CAC” part of this type of coverage stands for, “combined additional coverage.” Fire and theft CAC applies to physical damage or loss that occurs as a result of events like fire, lightning, explosion, theft, hail, earthquakes, floods, vandalism, collision with an animal, or damage that occurs while being transported by a third party.
The place where the insured vehicle is primarily parked when you’re not using it. This is typically your business address, but not always. For instance, you may park your flower delivery vans in a gated parking lot a few blocks away from the shop where you do business.
Gross Vehicle Weight (GVW)
Some states have specific insurance requirements for business vehicles of a certain weight and type, which is why your insurance agent may ask you for the gross weight of your business vehicles. The GVW is the total weight capacity of a fully loaded vehicle. The easiest way to find it is in the manufacturer’s general info for the vehicle. Or, you can calculate it by adding the weight of the vehicle to the max weight of a load that could be carried by the vehicle.
Temporary Substitute Auto
A temporary substitute auto is any auto used by the insured or an employee, with the permission of the owner, as a substitute for an insured auto that is unavailable for normal use because of servicing, repairs, or loss.
Regardless of your insurance history, approach our experts to evaluate the most comprehensive and the most affordable car insurance. With quality on our mind, we provide car owners and drivers the best policy that suits your requirement. We possess the capability of offering multiple discounts, several modes of payment, low down payments and least monthly payments. Our skilled professional consultants are available online and on the phone 24 x 7 to support you
The information published on our website solely depend on the policy information available to us from the insurance policy provider. Hence, auto-insurance-digi.com will not be liable for any claims that may arise as a result of purchase of an insurance policy on our website.