Car Insurances: Comprehensive
Coverage for Miami Drivers

This essential coverage protects your assets if you are at fault in an accident. It covers the costs for injuries to others (Bodily Injury Liability) and damage to their vehicle or property (Property Damage Liability). Given the high costs of medical care and vehicle repairs in South Florida, securing adequate liability limits is critical to protecting your financial future.

Collision coverage pays to repair or replace your vehicle if it is damaged in an accident with another vehicle or an object, such as a pole or guardrail. This coverage is crucial regardless of who is at fault, ensuring your investment is protected from the inevitable bumps and scrapes of city driving.

Often called “other than collision” coverage, Comprehensive Insurance protects your vehicle against non-accident related damages. This is especially vital in Miami, where coverage for theft, vandalism, fire, or damage from severe weather like hurricanes and tropical storms is non-negotiable. Protect your vehicle against everything Mother Nature and misfortune can throw at it.

Florida has many drivers who carry minimal or no insurance. UM/UIM coverage protects you and your passengers if you are hit by a driver who is legally uninsured or whose insurance limits are too low to cover your expenses. It pays for your medical bills, lost wages, and pain and suffering up to your policy limit.

Florida’s No-Fault law requires Personal Injury Protection (PIP), which covers you regardless of who caused the accident. This pays a percentage of your medical bills and lost wages. We also offer Medical Payments Coverage for additional security to cover medical expenses for you and your passengers.