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At Triton Insurance we understand the importance of auto insurance and how it can protect your family in the event of an accident, but we also understand that every penny counts. We will work with you to get the best rate for your family’s needs and also walk you step by step through the insurance process so you understand the policy you are purchasing. We offer multiple discounts and can help you take full advantage of the many ways you can save whether its safe driver discounts, student discounts, AARP discounts or even placing you with a carrier that offers a plug-in device credit.
Have you ever heard the term “Full Coverage?” Well, there is actually no such thing as full coverage, your auto policy is a combination of multiple layers of coverage. Starting with Personal Injury Protection or PIP. PIP coverage is the state minimum. PIP coverage is simply designed to provided drivers $10,000 for immediate medical coverage. PIP coverage makes the individual responsible for their own injuries in an accident regardless of fault this is where the term “ No-Fault” State comes from.
Bodily Injury Liability comes in different limits starting at $10,000 and going as high as half a million. This coverage is designed to pay for medical expenses in the event that you are found at fault in an accident that injures someone. Bodily Injury can also cover the injured drivers lost of income as well as your legal fees. As the cost of medical treatment rises, the minimum 10/20 bodily injury limit may not be enough coverage.
Property Damage Liability is the part of an auto policy that pays to repair the damage you caused to another person’s property, most commonly car repair. Property damage liability is not required in the state of Florida. As car manufacturers make cars safer and more high tech, this causes the average fender bender to increase dramatically. Rather than just replacing a bumper, mechanics now need to replace back up sensors or cameras and recalibrate the vehicle. With many new cars costing more than $50,000, do you have enough coverage?
While property damage liability is designed to repair another drivers car, Collison and Comprehensive coverage are designed to protect your vehicle. Collision kicks in during a car accident and comprehensive kicks in for repairs such as theft, hail, fire or Collison with an animal.
Florida is a “No-Fault State” meaning drivers are only required to carry PIP coverage. What happens if you get into an accident with someone only carrying PIP or no insurance at all and they are found at fault? Well if you carry Uninsured Motorist coverage your policy will pay you for the damages that you are legally entitled to.
The automobile insurance quotes generated by this website are not a contract, binder, or agreement to extend insurance coverage and are based on information you have supplied and basic assumptions in a few states about the applicable public fire protection class. To obtain coverage, you must submit an application to Triton Insurance Group®. All applications for coverage are subject to underwriting approval and subject to applicable state, provincial, and federal law. All policies may not be available in all states or provinces. For more information, contact a Triton Insurance Group agent.