Car insurance
Auto insurance coverage caters to both personal and commercial needs, offering a variety of options to suit different requirements.
Personal Auto Insurance:
Personal auto insurance is designed for individuals and families to protect against financial losses from accidents involving their personal vehicles. This coverage typically includes:
- Liability Coverage - Pays for injuries and damages to others if the policyholder is at fault in an accident.
- Collision Coverage - Covers damage to the policyholder’s vehicle from a collision with another vehicle or object.
- Comprehensive Coverage - Protects against non-collision-related damage, such as theft, vandalism, or natural disasters.
- Medical Payments: Covers medical expenses for the policyholder and passengers after an accident.
- Uninsured/Underinsured Motorist Coverage: Provides protection if the policyholder is involved in an accident with a driver who has insufficient or no insurance.
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Commercial Auto Insurance:
Commercial auto insurance is tailored for businesses that use vehicles as part of their operations. This type of insurance covers vehicles such as company cars, trucks, vans, and buses, providing broader coverage and higher policy limits. Key components include:
- Commercial Liability Coverage - Similar to personal liability but with higher limits, it covers bodily injury and property damage caused by business vehicles.
- Physical Damage Coverage - Includes both collision and comprehensive coverage, tailored for commercial use.
- Cargo Coverage - Protects goods being transported by the business’s vehicles.
- Hired and Non-Owned Auto Coverage - Covers vehicles not owned by the business but used for business purposes, such as rental cars or employee-owned vehicles.
- Fleet Insurance - Offers coverage for multiple vehicles under one policy, simplifying management for businesses with large fleets.
Both types of insurance are crucial for protecting against financial losses due to accidents, ensuring legal compliance, and providing peace of mind for individuals and businesses alike.
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10481 SW 88th St, Suite D204, Miami, FL 33176
