Homeowners insurance is needed by any individual or family that owns their own home. A policy will need the proper amount of coverage as well as discounts to keep...Automobile insurance is complicated. This brief guide will make it easier for you to understand the coverages, deductibles and limits and how they can work for you.Conser Insurance offers coverage through various reliable companies for almost any kind of bike, including ATV’s, golf carts, even custom or classic bikes.
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Automobile insurance is complicated. This brief guide will make it easier for you to understand the coverages, deductibles and limits and how they can work for you.
Personal Injury Protection (PIP) Insurance
Also called Florida No Fault Insurance, covers you - regardless of fault (i.e. whether or not you cause the crash) - up to the limits of your policy. Your PIP will also cover your child, members of your household, certain passengers who lack PIP Insurance as long as they do not own a vehicle. People riding in your vehicle who carry PIP will receive coverage under their own PIP for their injuries, and certain licensed drivers who drive your vehicle with your permission. PIP also covers your child if he or she suffers an injury while riding on a school bus. PIP coverage protects you while in someone else's vehicle, as a pedestrian, or bicyclist if you suffer an injury in a crash involving a motor vehicle. The Florida Motor Vehicle No-Fault Law requires all owner/registrants of a motor vehicle with four wheels or more to carry a minimum of $10,000 of Personal Injury Protection (PIP) and $10,000 of property damage liability (PDL) if you own a motor vehicle in Florida. Florida law requires you to maintain PIP/PDL insurance continuously throughout the licensing and registration period.
Bodily Injury Liability (BI)
Coverage pays for serious and permanent injury or death to others when you cause a crash involving your automobile. Your insurance company will pay for injuries up to the limits of your policy and provide legal representation for you if you get sued. In particular, your company pays for injuries caused by you or members of your family who live with you, even if they were driving someone else's vehicle. It may also cover others who drive your automobile with your permission. This coverage also provides you with legal defense in the event you are sued by the injured party.
Property Damage Liability (PD)
Coverage pays for damages you or members of your family cause (and are liable for) to other people's property in a crash involving a motor vehicle.
You choose your liability limits as either Split Limits or a Combined Single Limit (CSL). Split Limits divide Bodily Injury liability limits per person and per accident. (For example, $100,000/$300,000 means that the insurance company will pay for up to $100,000 for Bodily Injury liability per person in a covered crash and up to $300,000 per crash.) For Property Damage, the company will pay up to the limit you select per accident. CSL combines your liability coverage into one total limit per accident ($300,000).