AUTO INSURANCE

Auto insurance for your “baby”. Do you love your truck just a little more than you love your teenager? We understand.

Reach out for a FREE analysis of your policies

Coverage for your cherished mode of transportation

Add your personal auto to your business policy

Policies to cover you

  • Bodily Injury Liability (BI) Coverage:

    pays for death or serious and permanent injury to others when you are legally liable for those damages. If you are sued, the insurer will provide legal representation until the insurer has paid the policy coverage limit.

  • Property Damage Liability (PD) Coverage:

    pays for damage to, or destruction of, the tangible property of another, including loss of use, for which you are determined to be legally liable. If you are sued, the insurer will provide legal representation until the insurer has paid the policy coverage limit. Florida law requires a minimum of $10,000 of this type of coverage.

  • Personal Injury Protection (PIP) Coverage:

    pays 80% of all necessary and reasonable medical expenses incurred as a result of a covered injury, regardless of liability. This includes medically necessary medical, surgical, x-ray, dental, and rehabilitative services, including prosthetic devices and medically necessary ambulance, hospital, and nursing services.

  • Uninsured/Underinsured Motorist (UM) Coverage:

    pays you for an 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 insufficient liability limits. Unlike PIP benefits, UM benefits are typically paid as a lump sum once the full extent of treatment has been determined, or rendered.

  • Collision Coverage:

    pays to repair your vehicle if it collides with another vehicle, flips over, or crashes into an object (except animals), regardless of fault. In the event that your vehicle is determined to be a total loss, the insurer will pay to replace it. The amount paid by the insurer is typically limited to the vehicle’s actual cash value (ACV) unless the specific value of the vehicle has been previously agreed to by both you and the insurer.

Policies to cover you

  • Bodily Injury Liability (BI) Coverage:

    pays for death or serious and permanent injury to others when you are legally liable for those damages. If you are sued, the insurer will provide legal representation until the insurer has paid the policy coverage limit.

  • Property Damage Liability (PD) Coverage:

    pays for damage to, or destruction of, the tangible property of another, including loss of use, for which you are determined to be legally liable. If you are sued, the insurer will provide legal representation until the insurer has paid the policy coverage limit. Florida law requires a minimum of $10,000 of this type of coverage.

  • Personal Injury Protection (PIP) Coverage:

    pays 80% of all necessary and reasonable medical expenses incurred as a result of a covered injury, regardless of liability. This includes medically necessary medical, surgical, x-ray, dental, and rehabilitative services, including prosthetic devices and medically necessary ambulance, hospital, and nursing services.

  • Uninsured/Underinsured Motorist (UM) Coverage:

    pays you for an 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 insufficient liability limits. Unlike PIP benefits, UM benefits are typically paid as a lump sum once the full extent of treatment has been determined, or rendered.

  • Collision Coverage:

    pays to repair your vehicle if it collides with another vehicle, flips over, or crashes into an object (except animals), regardless of fault. In the event that your vehicle is determined to be a total loss, the insurer will pay to replace it. The amount paid by the insurer is typically limited to the vehicle’s actual cash value (ACV) unless the specific value of the vehicle has been previously agreed to by both you and the insurer.

Competitive Edge Insurance Logo

Reach out for a free analysis of your policies today!

Tell us how we can help...