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Types of Auto Insurance

Owning a car may seem like the last step in your driving test, while in reality, it is only the first stage of car ownership within Miami Beach, FL. Having a car comes with responsibility, a factor that will require you to protect yourself and other motorists during your drives. This means getting auto insurance, an area that Assure-Us can help with. Below, we discuss types of auto insurance that will be worth your while.

Liability Coverage

Liability coverage can be broken down into two categories, with the first one being bodily injury liability. This covers other parties’ injuries when you cause an accident and will take care of the costs of medical treatments. The second is property damage liability, which is a state requirement. This coverage comes in handy when other parties’ property gets damaged by an accident that you are found liable for and will help them cater for their costs of repairs and replacement.

Personal Injury Protection

Personal injury protection is another mandatory cover in the state designed to cover your costs of medical expenses after you are involved in an accident. It also ensures that your passengers are protected when they get bodily harm and will cater to lost wages when needed.

Uninsured/Underinsured Coverage

Uninsured coverage will be your go-to when you are hit by an uninsured driver, providing compensation for your injury and vehicle repair needs. Underinsured coverage kicks in when your vehicle gets damaged by a motorist whose cover cannot provide enough compensation for your costs of damages.

Collision Coverage

Collision coverage provides protection when you are involved in a collision. This includes head-ons with other vehicles and collisions with objects such as buildings, trees, and poles.

Comprehensive Coverage

Comprehensive coverage provides compensation when you get into a non-collision accident. It helps you pay for your repair and replacement costs during events such as fires, vandalism, theft, and hail.

Rather than wait for emergencies to catch you off guard during your Miami Beach, FL travels, make it a point to call Assure-Us today for customized auto insurance. 

Our Insurance Partners

  • Ascendent
  • Atlantic
  • Bristol
  • Capitol
  • Federated National Insurance
  • Fidelity
  • Florida Peninsula
  • Gainsco
  • GMAC National General
  • Homeowners Choice
  • Infinity
  • Mendota
  • Mercury
  • Olympus
  • Progressive
  • Safe Point
  • Southern Oak
  • Towerhill
  • Travelers
  • United Auto
  • United Heritage
  • Universal Property
  • Universal Property Casualty
  • Weston
  • Windhaven