We are here to help you get exactly the coverage you want and need. Whether that means meeting the Florida Minimum Required Coverage, Full Coverage with Comprehensive & Collision or specialized coverage for your Classic Car.
Our experienced agents will work with you and go over all your auto insurance coverage options to build the policy that is right for you.
Auto Insurance Coverage Options*
Personal Injury (PIP) and Property Damage Liability (PDL) – Bodily Injury and Property Damage Liability covers your legal liability for a covered accident that involves injury to another person or damage to someone’s property, up to the limit of liability you select.
Florida State Minimums – Florida is a no-fault insurance state. If you are injured in an accident, your car insurance will pay your medical costs up to your policy’s limits, regardless of who caused the accident. Florida requires a minimum of $10,000 PIP & PDL coverage at all times.
Carpenter Insurance may be able to help you if you have had previous accidents or serious driving infractions and are required to meet SR-22 or FR-44 financial responsibility requirements with your auto insurance.
Comprehensive and Collision – Pays to repair or replace your auto if it is stolen or damaged in an accident, regardless of who is at fault. For each coverage, you select a deductible that you pay out of pocket. Your insurance company pays for the remaining damage up to the limits you select.
With Collision coverage, your insurance company pays for damage to your auto when you collide with another vehicle or object. If you hit a car, a pole or another nonliving object, Collision coverage will apply.
With Comprehensive coverage, your insurance company pays for damage to your auto caused by an event other than a collision, such as fire, theft or vandalism. If you hit an animal, or if your auto is flooded or stolen, Comprehensive coverage will apply.
Uninsured/Underinsured Motorist – Several coverages can help protect you if you are hit by someone who doesn’t have insurance, or doesn’t have enough insurance. Here’s how these coverages generally work (keeping in mind that policies and the law vary by state):
Uninsured Motorist Bodily Injury – This may pay for damages when a covered person is injured and the person at fault for the accident does not have liability insurance.
Underinsured Motorist Bodily Injury – This may pay for damages when a covered person is injured and the person at fault for the accident does not have enough liability insurance.
Uninsured/Underinsured Motorist Property Damage – This may pay for damages when a covered vehicle is damaged and the person at fault for the accident does not have liability insurance or does not have enough liability insurance.
Loan/Lease GAP Insurance – Provides coverage for the difference between your loan/lease amount and the actual value of your vehicle (less deductible) in the event your vehicle is a total loss from an accident or theft.
Medical Payments – Medical Payments coverage pays the cost of necessary medical care you receive as a result of an auto accident and can be used regardless of who is at fault.
Custom Parts and Equipment/Accessory Coverage – When you purchase Comprehensive & Collision Coverage, you may also decide to include additional coverage for custom installed parts and accessories.
Rental Car Reimbursement – Rental Reimbursement provides rental car coverage if you have a claim that is covered under Comprehensive or Collision coverage. Daily rental amounts are subject to the limit purchased.
Roadside Assistance – Provides towing to the nearest qualified repair facility and covers a specified amount of the necessary labor at the place of breakdown when your automobile is disabled due to any covered reason.
*See specific policies for coverage, limitations & exclusions
Potential Auto Insurance Discounts
- Multi-Vehicle Disocunts
- Multi-Policy Discounts
- Good Driver Discounts
- Good Student Discounts
- Pay in Full Discounts
- Low Mileage Discounts
- Accident Forgiveness
- Anti-Theft Discounts
- Anti-Lock Brakes Discounts
- Passive Restraint (Air Bags)
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