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Even if you think you are a safe driver, every motorist must have car insurance. Auto insurance can cover your expenses if one or more vehicles are damaged, and drivers, passengers, or pedestrians sustain injuries. All 50 states require a minimum amount of liability insurance by law. Explore your Crystal River car insurance options at Harris Insurance today.
Car insurance is a legal and moral obligation, as it protects you, others, and vehicles that could be involved in incidents. It can also cover the expenses of defending you and family members in court.
As the trusted choice for Florida auto protection, we offer:
Crystal River Car Insurance Can Save You in the Long Run
Most people do not want to think that the worst may happen, but auto insurance is there to protect you and others if an accident does occur. In most cases, we recommend more coverage than the minimum. You will find that we offer various options and types of coverage to cover all motorists, so we can cater to your needs and the circumstances you may find yourself in.
A personal auto insurance policy, for example, will only cover personal driving. It will not provide coverage if the car is being used for commercial purposes. If you use your vehicle for deliveries, for example, you will need commercial auto insurance. This is sometimes called fleet auto insurance but note, that it can cover a single-vehicle.
Just as your needs differ from other drivers, our insurance differs from those provided by other insurance companies. We do not offer off-the-shelf solutions, because there is no one-size-fits-all solution for auto insurance. Instead, we recommend that our clients look at a range of criteria, including quality of customer service, the level of protection offered, and how much the coverage can be customized, when deciding their options. These all contribute to the value of your insurance.
Insurance Options Available to You in Crystal River
Harris Insurance can offer you a free analysis and a straightforward description of our policy packages, which are offered by A-rated insurance carriers. It will give you peace of mind because you know exactly what each policy means, and you can obtain the coverage you need. Our custom auto insurance options are tailored so that we can have both the type, and the level, of insurance appropriate to you.
Here is some information about our Crystal River auto insurance sub-services that might help you.
Bodily Injury Caused to Others – This is liability coverage. It will pay for an injury caused to another person, or persons, due to an accident that was your legal responsibility. You can purchase auto insurance without bodily injury, but in Florida, you must have this insurance coverage by law. You are required to have a limit of $10,000 per person and $20,000 per accident. If you choose to purchase a single limit option, however, the minimum requirement is $25,000. You can purchase higher limits to increase your protection further. We can go over these limits with you to make sure that you, your family, and your business have adequate protection for bodily injury caused to others.
Property Damage Caused to Others – This liability coverage pays for damages caused by the driver to others resulting from an accident where the driver is legally responsible. Florida coverage limits begin at $10,000. Property damage coverage can be included in an excess umbrella liability policy, which would provide additional protection.
Personal Injury Protection – In Florida, this is required in all personal auto policies. It is also necessary for most business auto insurance policies. You may have heard of it as “no-fault insurance.” That is because no party needs to be at fault for the coverage to be triggered.
Damage to Your Vehicle (Comprehensive and Collision) – This coverage protects you from financial loss as a result of damage to your vehicle. These two types of coverage pay the cash value of your vehicle at the time the financial loss occurred, minus a chosen deductible. You can enhance the coverage by adding other types of coverage, including replacement cost, new car replacement, non-factory add-on equipment, and more.
Towing Coverage – This optional coverage is usually a fixed amount. Normally, it is paid on a reimbursement basis. It protects you by reimbursing the cost of removing your vehicle from an accident scene to a repair facility, or it will cover the cost of restarting a disabled vehicle so that you can drive it yourself.
Rental Car Reimbursement – Another optional coverage, this will help you if you need transportation because your vehicle is being repaired or is disabled. Typically, this coverage is a fixed amount per day for a certain number of days paid on a reimbursement basis, unless otherwise arranged. Note that while agreeing to rent a vehicle, you may be responsible for damage to that vehicle. It is worth talking about options over with your insurer.
Uninsured and Underinsured Motorist Coverage – This protection refers to the bodily injury of occupants of an insured vehicle. It can protect you against financial loss if you are in an incident with an uninsured or underinsured party. While you can make sure that you have adequate coverage, you cannot make sure that others on the road abide by the law. This coverage is designed to compensate you if you suffer a loss due to a driver or vehicle owner who does not have insurance or has inadequate insurance or who has been negligent in their ownership, maintenance, or use of an uninsured vehicle.
Be Sure to Have the Auto Insurance Coverage You Need
Many options are available when choosing your Crystal River car insurance coverage. That is why we recommend that you do not go with anyone suggesting an off-the-shelf solution. The best way to purchase the right auto insurance is to talk to an experienced professional insurer. Contact Harris Insurance at your convenience to Request a Car Insurance Quote with no obligation. Learn more about our services, as our expert team is looking forward to helping you.
Options & Potential Discounts
Safe driving discount
Additional policy discount
Educational degree discount
Vehicle equipment discounts (airbags, antilock brakes, anti-theft, rear & parking sensors, electric vehicle)
Home Owner discount
New car replacement
Transfer your policy to Harris Insurance discount
Senior driver accident prevention course discount
Paid in full discount
Good student discount
Non-factory, aftermarket & optional equipment coverage