Home, Health, Auto Insurance, Business Insurance,
150 E. Palmetto Park Rd, Suite 800,
Toll free: 866.910.0030
South Florida and Boca Raton:
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A wise Florida driver makes sure they are protected from catastrophic financial losses due to lack of coverage in an unfortunate incident. We are aware that some may not have the budget right now but we always stress that protecting yourself should be a priority. With that in mind we also offer low cost auto insurance for those who need it.
Listed here are the types of coverage a Florida car, truck or motorcycle owner can purchase. When combined and written correctly you can save money on your total premium and have excellent coverage. So lets talk about each type of insurance coverage and explain what they cover so you are informed when you are ready to renew or buy a new policy.
Bodily Injury Liability Protection: If you are at fault in a car accident and it caused bodily harm to others then you are liable for expenses which could be enormous. This type of insurance protects you from heavy financial losses. It pays the injured parties involved for medical expenses, loss of income, pain and suffering and other expenses. It also covers you if you need an attorney to defend you from lawsuits.
When you get insurance you will see two numbers next to each other something like this $500,000/$1,000,000. There are two parts to this coverage. The first number is the amount you are covered for if one person only is injured. The second number is the amount you are covered for if more than one person is injured. For the little extra amount you pay, its worth it to have a reasonable amount of coverage.
Uninsured Motorist Coverage: About 20% of all Florida drivers do not have bodily injury coverage putting you at risk if an accident is their fault. Since No Fault Insurance only covers you for up to $10,000 it is recommended that you have adequate uninsured motorist coverage which is required by Florida state law. So if there are injuries, or vehicle damage and the other person doesn't have the resources or coverage to compensate you then you are covered. You will have reimbursement for medical expenses, lost income, suffering, and it also covers hit-and-run victims.
No Fault Insurance (Personal Injury Protection - PIP: This type of insurance is also required by law in Florida. It pays for damages no matter who’s fault the accident was. In Florida the maximum amount you can buy is $10,000.
Property Damage Liability: In the event you cause damage to another person's property such as the car, landscaping, structures, or government owned property you are covered up to the amount of your policy. In Florida you are required to have $10,000 coverage. But the difference between $10,000 and $100,000 is just a few dollars. So it is well worth it to have the extra protection.
Collision insurance: This covers damage to your vehicle due to any type of accident. You also have a deductible with this policy which you are responsible for depending on the amount you choose. This is a must have coverage to cover you in any situation where there is damage to your car. About 70% of drivers choose to have collision insurance at an average cost of $234 a year.
Extended Personal Injury Protection: This is like an add-on to your PIP policy. It increases the amount of coverage you will have for Personal Injury Protection. You can purchase the amount you want which will take over when your PIP has been exhausted.
• GAP insurance: This protects you if your car is worth less than what you still owe on it and it is a total loss. You will be reimbursed for the remaining amout on your loan so you can go ahead and purchase another car.
• Rental Car coverage - This is always good to have if you have an older car or the dealer doesn't have a loaner. It is very little in cost but well worth having it when you need it. Mechanics and auto body shops may need to keep your car for several days and you will be needing transportation other than Uber or Lyft.
Medical Payment Coverage (Medpay): This covers medical bills that PIP does not cover like co-payments.
When you are ready tobuy auto insurance for your Florida vehicle you can select the type of coverages you want on our auto insurance calculator to get quotes on your policy. Here you have the ability to search multiple insurance companies to get the lowest rates available. You can also go to our FAQ section and learn how to reduce your auto premiums and get tips and advice on Florida auto insurance.
Blue Sky Insurance® Mission Statement “We strive to give our clients the best customer service, putting our clients’ best interest first and foremost.”
Our commitment to you We are committed to providing our clients with comprehensive consultation, dedication, and service by delivering a turnkey insurance solution to meet their specific needs.
Personal service Your coverage is assigned to one of our dedicated customer service representatives. You will always have an agent who is familiar with your file when you need help with claims, additional coverage, or renewal analysis.
Continuity All of your insurance needs are met under one roof, simplifying your life.