Insurance Service of Sarasota compares the rates of multiple companies to offer you the best price. Please review the basics of auto policy coverage (below) and contact us for a quote.
- Bodily Injury Liability
- Property Damage Liability
- Roadside Assistance
- Medical Payments Coverage
- Personal Injury Protection (PIP)
- Uninsured Motorist Coverage
Bodily Injury Liability
If you’re involved in an accident where it is determined you were at fault, this coverage pays for medical treatments, rehabilitation, or funeral costs incurred by another driver, the other driver’s passengers, passengers in your car, and pedestrians.
Property Damage Liability
In the event of an accident caused by anyone insured on your policy, this coverage will pay for repair or replacement of other people’s vehicles or property damage.
Collision pays for the repair of your car – or replacement of its actual cash value – no matter who was at fault.
Comprehensive pays for replacement or repairs if your vehicle is stolen or damaged as a result of naturally occurring events, such as fire, flood, and windstorm.
Medical Payments Coverage
Also called “med pay,” this coverage pays physicians and hospital bills, rehabilitation costs, and some funeral expenses for you and your passengers. It also pays limited compensation for services needed during convalescence.
Personal Injury Protection (PIP)
After an accident, this broader version of med pay covers medical and funeral costs for you and members of your household. It also pays a portion of lost wages and the cost of in-home assistance.
Uninsured Motorists Coverage
If you and members of your household are involved in an accident caused by a hit-and-run driver, a driver with insufficient insurance or one with no insurance at all, this coverage pays for medical costs, rehabilitation, funeral costs, and loss due to pain and suffering.
After an accident, this coverage pays for the car rental while your vehicle is being repaired.
Provides towing to the nearest qualified repair facility and covers a specified amount of labor at the place of breakdown when your automobile is disabled.