{"id":4972,"date":"2015-06-22T11:59:00","date_gmt":"2015-06-22T11:59:00","guid":{"rendered":"https:\/\/469899a3-97a5-4c9b-8d86-b9629724411a.cc10.conves.io\/?p=4972"},"modified":"2015-06-22T11:59:00","modified_gmt":"2015-06-22T11:59:00","slug":"auto-insurance-basics-101","status":"publish","type":"post","link":"https:\/\/swflinsurance.com\/auto-insurance-basics-101\/","title":{"rendered":"Auto Insurance Basics 101"},"content":{"rendered":"

Overview of Your Personal Auto Policy<\/strong><\/p>\n

Liability Coverage (Bodily Injury & Property Damage)<\/strong>
\nIf you are deemed to be at fault in an accident that\u2019s covered by your auto policy and other people or property are injured or damaged, liability coverage helps protect you and pay the cost of these damages. Everyone has different needs, so we can customize your liability coverage to suit your personal needs. Remember when your insurance coverage limits are exhausted, you will be paying out of your pocket. Our recommendation for bodily injury limits is $ 50k per person \/ $ 100k per accident, property damage limits is a minimum of 50k per accident. This coverage helps to pay for damage to another driver\u2019s property (car, house, fence, etc). With pickup trucks costing in excess of $ 50k these days, many vehicles have values in excess of the state requirement of $10k. That\u2019s why we recommend the higher coverage. This increased coverage is usually very affordable, sometimes as little as a few dollars extra per month.<\/p>\n

Medical Payment Coverage (Med Pay)<\/strong><\/p>\n

Medical payment coverage helps pay for medical expenses for accident-related injuries to your family and passengers, no matter who is at-fault. These expenses can include; hospital stays, doctor visits, x-rays, surgery, and even funeral expenses should the worst happen. Medical payment coverage covers you, your passengers, and other family members. This is a valuable protection that is fairly inexpensive to add to your policy.<\/p>\n

Uninsured Motorist Coverage (UM)<\/strong><\/p>\n

This coverage helps pay for medical expenses and other damages incurred by your family and passengers when the other driver carries little or no bodily injury liability insurance. A recent survey found that about 20% of drivers in SWFL either have no insurance or carry the state minimum. That\u2019s why UM coverage is a valuable addition to any auto insurance policy.<\/p>\n

Personal Injury Protection (PIP)<\/strong><\/p>\n

Personal Injury Protection coverage (or PIP) is required by the state, and covers $10k in medical expenses and other expenses regardless of who\u2019s at fault. The way PIP pays out is a little more complicated, so please call or stop by for a more in depth explanation.<\/p>\n

Collision Coverage<\/strong><\/p>\n

This covers your vehicle if you\u2019re in an accident that involves a \u201ccollision\u201d with another car or cars or objects (trees, house, etc). Collision coverage helps pay for repairs to your vehicle up to the ACV (actual cash value) of your car less the applicable deductible. Typically, you can select a deductible from $100 up to $1000. Keep in mind, that you can save money by choosing a the higher the premium.<\/p>\n

Comprehensive Coverage<\/strong><\/p>\n

This coverage helps pay for losses that result from everything that is \u201cnot a collision\u201d. This can include; fire, theft, vandalism, storms, or even a tree falling on your vehicle. This coverage also provides coverage for broken glass and\/or windshields. Like collision, comprehensive coverage carries a deductible, and can affect your premium based on how high or low of a deductible you chose.<\/p>\n

Other Coverage that can be added.<\/strong><\/p>\n

Towing and Labor\u2014<\/strong>This option will help reimburse you for the expense of having your vehicle towed, as well as other basic roadside services. You usually have a couple of coverage options; either $50 or $100 per occurrence.<\/p>\n

Rental Car Reimbursement\u2014<\/strong>This feature would pay a set amount ($20, 30, 40, etc) for you to rent a vehicle while your car is in the shop being repaired due to accident. The coverage typically pays for a maximum of 30 days. A nice feature, if you only have one vehicle in the household, or if you need a vehicle to get to and from work.<\/p>\n

Customizing Equipment\u2014<\/strong>Custom wheels, gauges, and other aftermarket products that are permanently installed to the vehicle. Stated amount coverage is available for values over $ 5,000.<\/p>\n

Loan Payoff Coverage\u2014<\/strong>Pays for the difference between the actual cash value and any greater amount that you may owe under a finance or lease agreement to a financial institution. Limited to 25% of actual cash value. Some conditions apply.<\/p>\n

Typical Available Discounts \u2013 How Many do you qualify for?<\/strong><\/p>\n

Advance quote discount
\nMulti Car discount
\nContinuous coverage discount
\nPaid in Full discount
\nThree year Safe Driving discount
\nFive Year Accident Free discount
\nVehicle Anti Lock Brake, Airbag, Passive Anti-Theft discounts
\nMulti-Policy Discount
\nSenior Citizen discount<\/p>\n

We have Great Auto Insurance Rates. See how many Discounts you may qualify for.
\nRequest a Quick Quote from Website or Call 239-265-9577<\/a>.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Overview of Your Personal Auto Policy Liability Coverage (Bodily Injury & Property Damage) If you are deemed to be at fault in an accident that\u2019s covered by your auto policy and other people or property are injured or damaged, liability coverage helps protect you and pay the cost of these damages. Everyone has different needs, so we can customize your liability coverage to suit your personal needs. Remember when your insurance coverage limits are exhausted, you will be paying out of your pocket. Our recommendation for bodily injury limits is $ 50k per person \/ $ 100k per accident, property damage limits is a minimum of 50k per accident. This coverage helps to pay for damage to another driver\u2019s property (car, house, fence, etc). With pickup trucks costing in excess of $ 50k these days, many vehicles have values in excess of the state requirement of $10k. That\u2019s why we recommend the higher coverage. This increased coverage is usually very affordable, sometimes as little as a few dollars extra per month. Medical Payment Coverage (Med Pay) Medical payment coverage helps pay for medical expenses for accident-related injuries to your family and passengers, no matter who is at-fault. These expenses can include; hospital stays, doctor visits, x-rays, surgery, and even funeral expenses should the worst happen. Medical payment coverage covers you, your passengers, and other family members. This is a valuable protection that is fairly inexpensive to add to your policy. Uninsured Motorist Coverage (UM) This coverage helps pay for medical expenses and other damages incurred by your family and passengers when the other driver carries little or no bodily injury liability insurance. A recent survey found that about 20% of drivers in SWFL either have no insurance or carry the state minimum. That\u2019s why UM coverage is a valuable addition to any auto insurance policy. Personal Injury Protection (PIP) Personal Injury Protection coverage (or PIP) is required by the state, and covers $10k in medical expenses and other expenses regardless of who\u2019s at fault. The way PIP pays out is a little more complicated, so please call or stop by for a more in depth explanation. Collision Coverage This covers your vehicle if you\u2019re in an accident that involves a \u201ccollision\u201d with another car or cars or objects (trees, house, etc). Collision coverage helps pay for repairs to your vehicle up to the ACV (actual cash value) of your car less the applicable deductible. Typically, you can select a deductible from $100 up to $1000. Keep in mind, that you can save money by choosing a the higher the premium. Comprehensive Coverage This coverage helps pay for losses that result from everything that is \u201cnot a collision\u201d. This can include; fire, theft, vandalism, storms, or even a tree falling on your vehicle. This coverage also provides coverage for broken glass and\/or windshields. Like collision, comprehensive coverage carries a deductible, and can affect your premium based on how high or low of a deductible you chose. Other Coverage that can be added. Towing and Labor\u2014This option will help reimburse you for the expense of having your vehicle towed, as well as other basic roadside services. You usually have a couple of coverage options; either $50 or $100 per occurrence. Rental Car Reimbursement\u2014This feature would pay a set amount ($20, 30, 40, etc) for you to rent a vehicle while your car is in the shop being repaired due to accident. The coverage typically pays for a maximum of 30 days. A nice feature, if you only have one vehicle in the household, or if you need a vehicle to get to and from work. Customizing Equipment\u2014Custom wheels, gauges, and other aftermarket products that are permanently installed to the vehicle. Stated amount coverage is available for values over $ 5,000. Loan Payoff Coverage\u2014Pays for the difference between the actual cash value and any greater amount that you may owe under a finance or lease agreement to a financial institution. Limited to 25% of actual cash value. Some conditions apply. Typical Available Discounts \u2013 How Many do you qualify for? Advance quote discount Multi Car discount Continuous coverage discount Paid in Full discount Three year Safe Driving discount Five Year Accident Free discount Vehicle Anti Lock Brake, Airbag, Passive Anti-Theft discounts Multi-Policy Discount Senior Citizen discount We have Great Auto Insurance Rates. See how many Discounts you may qualify for. Request a Quick Quote from Website or Call 239-265-9577.<\/p>\n","protected":false},"author":2,"featured_media":4864,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_title":"","_yoast_wpseo_metadesc":"Overview of Your Personal Auto PolicyLiability Coverage (Bodily Injury & Property Damage)","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_metasync_otto_title":"","_metasync_otto_description":"","rank_math_title":"","rank_math_description":"","footnotes":""},"categories":[4],"tags":[],"class_list":["post-4972","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-swfl-insurance"],"acf":[],"yoast_head":"\nAuto Insurance Basics 101 - SWFL Insurance<\/title>\n<meta name=\"description\" content=\"Overview of Your Personal Auto PolicyLiability Coverage (Bodily Injury & Property Damage)\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/swflinsurance.com\/auto-insurance-basics-101\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Auto Insurance Basics 101 - SWFL Insurance\" \/>\n<meta property=\"og:description\" content=\"Overview of Your Personal Auto PolicyLiability Coverage (Bodily Injury & Property Damage)\" \/>\n<meta property=\"og:url\" content=\"https:\/\/swflinsurance.com\/auto-insurance-basics-101\/\" \/>\n<meta property=\"og:site_name\" content=\"SWFL Insurance\" \/>\n<meta property=\"article:published_time\" content=\"2015-06-22T11:59:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/swflinsurance.com\/wp-content\/uploads\/2015\/12\/Insurance-policy.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"450\" \/>\n\t<meta property=\"og:image:height\" content=\"250\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"SWFL Insurance\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"SWFL Insurance\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/swflinsurance.com\/auto-insurance-basics-101\/\",\"url\":\"https:\/\/swflinsurance.com\/auto-insurance-basics-101\/\",\"name\":\"Auto Insurance Basics 101 - 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