This is a basic guide to the major coverages for your Florida car policy. This outline is to help
you easily understand the coverages your policy provides. It also highlights information on deductibles,
surcharges, and discounts.
Bodily Injury and Property Damage Liability Insurance – pays damages for bodily
injury, sickness, death, and damage to or destruction of property that you or another insured person is
legally obligated to pay. Your policy also protects an insured person from claims for accidents arising
out the ownership, maintenance, use, loading or unloading of an insured car.
Medical Payments – will make payments to or on behalf of an insured person for
reasonable medical and rehabilitation expenses incurred because of bodily injury, sickness, disease, or death
caused by a car accident. This coverage pays for ambulance, medical surgical, X-ray, dental, orthopedic and
prosthetic devices, professional nursing services, pharmaceuticals, eyeglasses, and hearing aids.
Personal Injury Protection – pays for medical expenses, income loss, loss of services,
and funeral expenses for bodily injury, sickness, disease, or death if it is the result of an accident arising
from the ownership, maintenance, or use of a motor vehicle as described in the definition of motor vehicle
found in your policy.
Deductibles: Deductibles may apply under Personal Injury Protection. Please check your policy for specific
information on any deductible which may apply to Coverage P.
Uninsured Motorists Insurance – pays damages for bodily injury, sickness, disease,
or death which an insured person is legally entitled to recover from the owner or operator of an uninsured auto.
It does not pay any punitive or exemplary damages under this coverage.
Collision Insurance – pays for loss to your car or a non-owned car which results from
a collision with another object, or by an upset of the car. Coverage G also extends to rental cars, less your
deductible. This coverage will apply on an excess basis over the rental company’s coverage.
Comprehensive Insurance – pays for loss to your car or a rental car which does not result
from a collision. Some of the hazards covered are glass breakage, missiles, falling objects, fire, theft or larceny,
explosion, earthquake, windstorm, hail, water, flood, malicious mischief or vandalism, riot, civil commotion, and a
collision with a bird or animal. A deductible will apply.
There are several other optional coverages you may purchase, including those which provide coverage for towing and
labor costs, rental reimbursement, or non-factory install equipment. Please read your policy for a full description of
Exclusions: Several exclusions related to the aforementioned coverages are included in your policy. Please read your
policy for complete details for these exclusions.
Multiple Car Discount – This discount is available if you two or more private passenger cars which are eligible for
insurance under the same car policy.
Transfer Discount – Applicants who can prove that they were previously insured may be eligible for this discount.
The previous coverage must still be in force on the date of the application.
Accident Prevention Course Discount – You may be eligible for this discount for any car insured under your policy,
as long as the principal operator of that car is at least 55 years of age, and has voluntarily attended and successfully
completed a motor vehicle accident prevention course which is approved by the Florida Department of Highway Safety and
Airbag Discount – Cars equipped with factory installed airbags
Anti-Lock Brake Discount – Cars which are equipped with factory installed anti-lock brake system on all four wheels.
Paid In Full Discount – You must pay your policy in full with a single payment.
Homeowner Discount – Eligible if you own your home, condominium, or mobile home.
Anti-Theft Discount – Car is equipped with theft deterrent devices.
Good Student Discount – Single driver age 24 or younger who is a good student. The student must
attend high school or college and maintain a B or better average or be on the Dean’s List or Honor Roll.
Excluded Driver Surcharge – Is applied to Property Damage Liability and Personal Injury Protection
coverages if you exclude coverage for any licensed driver.
Business Use Surcharge – Is applied to Bodily Injury, Property Damage Liability, Personal Injury
Protection, Medical, Comprehensive and Collision coverages if you use your car for business or artisan use.