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Auto Insurance

hex-camaroAuto insurance protects you, your family, and your vehicle. It gives you peace of mind in knowing that your financial assets are protected in the event of an accident. That’s why, as a Florida automobile owner, you need auto insurance coverage sufficient to safeguard your security and interests. Elite Insurance Group is here to help you make an informed choice on comprehensive yet affordable Florida auto insurance coverage. Simply call one of the offices, and let our professional agents quote you on the optimal coverage for your vehicle.  It’s fast, it’s easy, and it’s free.

When shopping for a policy, beware of terms such as “full coverage” and “what’s required.” What one considers “full coverage” or “what’s required” may differ from one person to the next. You should determine the type and amount of insurance you need. The following are the most common coverage available in Florida.hex-merc

Bodily Injury Liability (BI) Coverage: pays for death or serious and permanent injury to others when you are legally liable for those damages. If an insured is sued, the insurer will provide legal representation.

Property Damage Liability (PD) Coverage: pays for damages that an insured is legally liable for resulting in the physical damage to tangible property of another, including loss of use.

Personal Injury Protection (PIP) Coverage: pays 80 percent of all necessary and reasonable medical expenses incurred as a result of a covered injury, regardless of who caused the accident. PIP also pays 60 percent of work loss and a $5,000 death benefit.

Uninsured/Underinsured Motorist (UM) Coverage: pays for accidental bodily injury, sickness, or disease, including death, when such an injury is the result of an automobile accident and the at-fault party does not have Bodily Injury (BI) Coverage or has liability limits lower than what is needed.

Medical Payments (Med Pay) Coverage: pays reasonable expenses for necessary medical and funeral services due to a bodily injury or death sustained in an automobile accident, regardless of fault.

Comprehensive or Other than Collision Coverage: pays for damage to a vehicle from incidents other than a collision including: fire, theft, windstorm, vandalism, falling objects or flood.

Collision Coverage: pays for repair or the actual cash value of the insured’s vehicle if it collides with another vehicle, flips over, or crashes into an object.

Towing & Labor Coverage: provides coverage for emergency road service (at the scene) and towing up to the limits shown on the policy.

Rental Reimbursement: provides reimbursement for automobile rental up to a specified limit shown on the policy. It applies if the insured has a covered loss with their own automobile and can no longer drive it.

Auto Loan Lease Gap Coverage:  pays unpaid amount due on the lease or loan for your vehicle in the event of a total loss.

Replacement Collision Coverage:  pays for the repair or replacement of your vehicle whether or not the repair costs exceed its actual cash value.