Auto Insurance Request a Quote Personal auto insurance protects you against financial loss if you’re involved in an accident. It is a contract between you and the insurance company where you agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.An auto insurance policy typically contains nine separate and distinct coverage parts:Bodily Injury Liability – for serious and permanent injury or death to others when the policyholder causes a crash involving their automobile. The insurance company will pay for injuries up to the limits of the policy and provide legal representation for the policyholder if they get sued.Property Damage Liability – for damage the policyholder caused to someone else’s property.Uninsured Motorist – for the policyholder and their relatives who live with them, and people who occupy their car. UM pays the policyholder for injuries caused by an auto accident where the at-fault driver is uninsured (has no insurance) or under-insured (not enough insurance).Medical Payments – helps pay medical costs for the policyholder and their passengers in the event of a covered auto accident. This may include hospital and ambulance bills, as well as doctor visits and other necessary medical treatments.Personal Injury Protection (PIP) – “no fault” coverage for treatment of injuries to the driver and certain passengers of the policyholder’s car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident. In Florida, PIP coverage is required to be purchased by all owners of motor vehicles registered in this state.Comprehensive – coverage that helps pay to replace or repair the policyholder’s vehicle if it's stolen or damaged in an incident that's not a collision. Comprehensive typically covers damage from fire, vandalism or falling objects (like a tree or hail).Collision – for damage to the policyholder’s car from a collision. The collision could be with another car, a light post, a fire hydrant, etc...Additional Expense – for use of a rental car when the policyholder can’t use their vehicle due to an accident.Road Trouble Service – provides assistance for policyholders who are stranded due to a flat tire, minor mechanical malfunction, dead battery, keys locked in the car, etc...Overwhelmed by all the auto insurance choices? Don’t be. We can make finding the right car insurance plan easy. Let us help you find the plan you need at a rate you can afford.