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What is Automobile / Motorcycle / Boat Insurance?

child-in-autoThese kinds of insurance protect you from financial loss if you have an accident.  Basically, you pay the premium on your policy and the insurance company pays your losses that you are insured against.

Car, Motorcycle and Boat insurance provides property, liability and medical coverage:

  • Property coverage pays for damage to or theft.
  • Liability coverage pays for your damage to others for bodily injury or property damage.
  • Medical coverage pays for treating injuries, rehab and in worse cases, lost wages and funeral expenses.

These policies are comprised of six different kinds of coverage. Florida requires you to buy uninsured motorist, PIP and Liability. If you’re buying a car, your bank or financial institution may also have requirements.

Most policies are for six months to a year. We will notify you by mail when it’s time to renew the policy or to pay your premium.

Your policy may include six different kinds of coverage.

Bodily Injury Liability

This covers injuries that you, a designated driver or policyholder, cause to others. You and family members on the policy are also covered if you are driving someone else’s vehicle.

Having the right amount of liability insurance is extremely important, because if you are sued for a large sum of money you may need larger coverage. Our suggestion is to buy more than the minimum to protect your financial assets such homes and savings.

Personal Injury Protection or PIP

This pays for medical treatment to the driver and passengers of your car, and more. PIP can cover medical, lost wages and the cost of paying income lost by someone injured in the accident. And, in the worst case, may also cover funeral costs.

Property Damage Liability

This covers damage you (or someone driving with your permission) cause to someone else’s property. Obviously damage to someone else’s car, but will also cover damage to buildings or other structures, fences, and other property related damages caused by your car.


This pays for repairs from damage resulting from a collision with another vehicle, object or as a result of rolling over. Collision coverage is usually sold with deductibles ranging from $250 to $1,000—the higher the deductible, the lower the premium.

Even if you are at fault, your collision coverage will pay you for the costs of fixing your car, less the deductible that you chose. If it’s not your fault, your insurance company will most likely try to recover the money they paid you from the other insurance company and if they get it, you will get your deductible back.


This part of the coverage pays you back for loss due to theft or damage caused by something other than a collision with another car or object, which could include hitting animals, fire, falling objects, high winds or flood, vandalism and the like.  If your windshield gets a crack, or breaks, comprehensive will cover that, and sometimes without a deductible!

You will be able to choose a $100 to $300 deductible, though you can get a higher deductible to lower your premium.

Florida does not require that you have collision or comprehensive, but if you are making payments on your vehicle, you may be required to have it until your loan is paid off.

Uninsured Motorist Coverage

This will cover you, or a member of your family, or a designated driver if you are in an accident with an uninsured or hit-and-run driver.

The other side of this coverage is under-insured motorist coverage when the at-fault driver has insufficient insurance to pay for your loss. Believe it or not, this will also cover you if you are hit as a pedestrian.

* All information presented on this website is for a general understanding of the various kinds of insurance.  This does not in any way imply terms of coverage that you may purchase.  The information is subject to change at any time.

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