Auto Insurance
If you drive a car, it must be insured. This law protects you and the other drivers on the road from facing significant financial loss in case of an auto accident. Since everyone must have insurance, there naturally are numerous options as to where you can buy it. But OCEAN TO OCEAN INSURANCE, LLC can offer industry leading features like Accident Forgiveness and New Car Replacement. Contact OCEAN TO OCEAN INSURANCE, LLC today for a quote and find out how we can help you.When buying Auto Insurance, you do have choices to make about policy options and levels of coverage. Our experienced insurance professionals will guide you through these decisions to help you get the coverage you need. The following are components that will make up your auto insurance:
Liability Coverage (Bodily Injury and Property Damage))
Liability coverage offers peace-of-mind. If you are at fault in an accident that’s covered by your auto policy and other people or property are injured or damaged, liability coverage helps protect you and pay the cost of these damages.
We strongly recommend a minimum of 100/300 coverage for Bodily Injury (BI) Liability. With this coverage your policy would pay up to $100k per person or $300k for all parties involved for the following expenses:
As an agency with experience, we recommend a minimum of 100k coverage for Property Damage Liability. This coverage helps pay for damage to another driver’s property that occurs due to an accident where you are found at fault. This can include:
Medical Payment Coverage
Medical payment coverage helps pay for medical expenses for accident-related injuries, no matter who is at-fault. These expenses can include hospital stays, doctor visits, x-rays, surgery, ambulance, and funeral expenses. Medical payment coverage is provided for you, your passengers, and your family members.
Uninsured Motorist Coverage
This coverage helps pay for medical expenses when the other driver has little-to-no insurance. A recent survey found that 1 in 6 Southwest Florida drivers either have no insurance or carry the state minimum. We recommend a minimum of 100/300 protection for UM.
Personal Injury Protection
Personal Injury Protection coverage not only covers reasonable and necessary medical and hospital expenses, but it can also help you with income continuation, loss of services, and funeral expenses. $10,000 PIP is required under Florida law for any auto policy.
Collision Coverage
Collision Coverage protects your car if you’re in an accident that involves a “collision” with other cars or objects (trees, structures, fences). Collision coverage helps pay for repairs to your vehicle up to the actual cash value of your car.
Note: Collision coverage typically carries a deductible, and in most cases, the higher the deductible the lower your premium. However, a higher deductible will require you to pay more in the event of a loss.
As an agency with over 25 years of experience we are able to review various quotes and help determine the best deductible for your personal situation and goals.
Comprehensive Coverage
This coverage helps pay for losses that result from accidents that are “not a collision”. This can include hurricanes, vandalism, or even a tree falling on your vehicle. This coverage would also provide payments for broken glass or windshields.
Like Collision, Comprehensive coverage also typically carries a deductible, which can affect your premium based on how high or low of a deductible you chose.
Note: For accidentally cracked/chipped windshields or broken glass NO DEDUCTIBLE will apply.
Other Coverages