What Are the Main Categories of Auto Insurance Coverage?

What Are the Main Categories of Auto Insurance Coverage?

Auto insurance coverage can come with a lot of options, add-ons, and sometimes confusion. The world of insurance can seem like another language. With the help of Elite Insurance Group, you can be sure you’re getting quality coverage and curated care. We are passionate about providing Floridians with insurance solutions that match their needs. Keep reading to learn about the main kinds of auto insurance coverage available.

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Liability Coverage

As auto insurance helps protect you, your family and your vehicle, liability coverage will help can also cover the cost of injury to the other person impacted and to their property. Liability coverage is required by every state to legally drive and is usually broken down into two parts: property damage and bodily injury. With the right liability insurance coverage, even if you’re at fault in the accident, liability insurance will cover both the costs of their damaged property and bodily injury. That's why at Elite Insurance Group, you get the auto insurance coverage that’s best suitable to safeguard your security and interests.

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Personal Injury Protection Coverage

You will often hear Florida referred to as a “No-Fault State.” This means that any time you are injured in an auto accident you will file your injury claim with your own insurance company, regardless of who is at-fault. However, once an injured person pierces the tort threshold, they may seek recovery for costs not duplicated by PIP from the at-fault party. Coverage under PIP can be complicated. It is important to disclose to your agent or insurance company all the members of your household and any regular users of your vehicle when you initially purchase your policy and throughout the policy term if members of the household and/or users change.

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Uninsured and Underinsured Motorist Coverage

Uninsured or underinsured motorist coverage (UM) pays for accidental bodily injury, disease, or sickness, including death. When a car accident results in such an injury and the at-fault party doesn’t have Bodily Injury (BI) coverage, then uninsured or underinsured motorist coverage will help cover your costs. This is also great for when your liability limits are lower than what is needed. At Elite Insurance, we work hard to help you decipher the difference and benefits of Uninsured or Underinsured Motorist (UM) compared to Bodily Injury (BI).

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Comprehensive Coverage

Living in the beautiful state of Florida, we can get sudden and severe inclement weather. With this risk in mind, comprehensive coverage is what will give you peace of mind. It covers damage to your vehicle from these types of incidents such as fire, windstorm, and flood. And when you encounter those unfortunate circumstances of theft, vandalism, or falling objects, Comprehensive Coverage will cover that too. Elite Insurance Group can help you make a confident and informed choice on affordable insurance coverage in Florida.

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Collision Coverage

Another great auto insurance option is Collision Coverage. If you collide with another vehicle, crash into an object, or flip over, this coverage will pay for either the repair or the actual cash value of the vehicle. Whether or not your repair costs more than the cash value, with Elite Insurance Group, you will get the repair or replacement of your vehicle. This is also a big reason why leasing companies or lenders require drivers to carry this type of insurance. If you were not to have this collision coverage, you would have full financial responsibility for your car if it were totaled. Collision coverage can hold great value in random and unforeseen circumstances.

Auto insurance coverage can come with a variety of coverage options. When shopping for your auto insurance, Elite Insurance Group will help you go over all of the options to be sure that you get a policy that works best for you.

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