No Fault

Also called Personal Injury Protection (PIP) Insurance covers you - regardless of fault (i.e. whether or not you cause the crash) - up to the limits of your policy. Your PIP will also cover your child, members of your household. The Florida Motor Vehicle No-Fault Law requires all owners of a Lauderdale by the Sea vehicle with four wheels or more to carry a minimum of $10,000 of Personal Injury Protection (PIP) and $10,000 of property damage liability (PDL) if you own a motor vehicle in Florida. Florida law requires you to maintain PIP/PDL insurance continuously throughout the licensing and registration period.

Bodily injury and Property liability

Bodily injury liability coverage applies to injuries that you, the designated driver or policyholder, cause to someone else here in Lauderdale by the Sea. You and family members listed on the policy are also covered when driving someone else’s car with their permission. Property liability 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 auto. In Florida a no fault state, your first 10,000 of injury related cost are covered by Medical payments and personal injury protection (PIP),this coverage pays for the treatment of injuries to the driver and passengers of the policyholder's vehicle. 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.

Collision and Comprehensive

Collision coverage pays for damage to your car resulting from a collision with another vehicle, an object, such as a tree or telephone pole, or as a result of flipping over (note that collisions with deer are covered under comprehensive). It also covers damage caused by potholes. Comprehensive coverage reimburses you for loss due to theft or damage caused by something other than a collision with another automobile or object. Comprehensive covers events such as fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, riot, contact with animals and if your windshield if it is cracked or shattered.

Uninsured and underinsured motorist coverage

Underinsured motorist coverage reimburses you, a member of your family, or a designated driver if one of you is hit by an uninsured driver or a driver who doesn’t have sufficient insurance to pay for your total loss. This coverage also offers protection in the event a covered driver is the victim of a hit-and-run or if, as a pedestrian, you are struck by an uninsured or underinsured motorist.

Rental and Roadside

Provides car rental if your car is damaged and you need a replacement car. Roadside allows your auto to be towed to a repair shop.

Motorcycle, Boat, PWC and RV Insurance

We can offer all of these insurance products for your diverse and active Lauderdale by the Sea life!.

Please call 954 492 5592