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LBTS Car Insurance

Bodily injury and Property liability

Bodily injury liability coverage applies to injuries that you cause to someone else. Property liability coverage pays for damage you may cause to someone else's property. Usually, this means damage to someone else’s car, but it also includes damage to lamp posts, telephone poles, fences, buildings or other structures your car hits. 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 car.

Collision and Comprehensive

Collision coverage pays for damage to your car resulting from a collision with another car, an object, such as a tree or telephone pole, or as a result of flipping over. Comprehensive covers events such as fire, falling objects, explosion, earthquake, windstorm, hail, flood, vandalism, riot, or contact with animals such as birds or deer. It will also pay to repair your windshield if it is cracked or shattered.

Uninsured and underinsured motorist coverage

Underinsured motorist covers 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 replacment car. Roadside allows your car to be towed to a repair shop.