we are an Independent Insurance Agency representing many different insurance companies throughout South, Florida. Our goal is to provide excellent customer service with coverage's at an affordable rate. If you are looking for Personal, Commercial, or Life insurance services, this is the place to find it all. We offer all types of Personal Insurance coverages including Auto, Homeowners, Motorcycle,
Boat, and Life. We also offer a wide variety of Business Insurance plans for your Commercial Auto, Business Owners Packages, and General Liability needs. Call us today at :954-667-9793 or Email Us, and one of our knowledgeable agent would be glad to provide a FREE no-obligation quote for ALL of your insurance needs. Let Statewide Insurance & Financial Services do the comparison-shopping for you! We offer multiple companies in order to provide multiple quotes and options in order to save money for our clients. The greatest compliment our clients can give is the referral of their friends and loved ones. Thank you for your trust. Term Definition
Bodily Injury Liability (BI)*
Bodily Injury Liability pays for injury to others when you are at-fault. Bodily Injury Liability pays the amount you are legally obligated to pay (up to the limit of coverage you have purchased) for a person(s) injured or killed in an accident when you are at-fault. Collision Coverage (COLL)*
Collision Coverage pays for repairs to your own insured vehicle when it is damaged due to a collision with another vehicle or object. Collision usually reimburses you the amount to repair or replace your damaged vehicle, minus your deductible. Comprehensive Coverage (COMP)*
Comprehensive Coverage pays for repairs to your own insured vehicle caused by something other than collision. This may include damage from vandalism, fire, windstorm, hail or some other peril. As with collision coverage, comprehensive coverage will have a deductible. Medical Payments Coverage (MP)*
Medical Payments Coverage pays the medical expenses for you and the occupants of your insured vehicle if you are injured in an automobile accident. You are able to choose the amount of medical payments coverage for you and your family. The amount of coverage available is specified by the policy. Property Damage Liability (PD)*
Property Damage Liability pays for damage to other peoples’ property due to an automobile accident when you are at-fault. Property Damage Liability items such as an automobile, house or fence. Rental Reimbursement Coverage (RR)*
Rental Reimbursement Coverage is usually offered in conjunction with collision and comprehensive coverages. RR reimburses you for transportation expenses, such as a rental car, when an insured vehicle is not operational due to a loss covered by the policy. Towing and Labor Coverage (TL)*
Towing and Labor Coverage covers towing and on-site labor charges when your insured vehicle is disabled. On-site labor refers to labor performed at the site of disablement (i.e., fix a flat tire so the vehicle can be towed). Deductible (DED)*
Deductible is the dollar amount of the loss you must pay before claims are paid for collision and comprehensive coverages. Each time you make a collision or comprehensive claim, you will pay the deductible amount of the loss. Choosing a higher deductible reduces the cost of your automobile insurance. Uninsured Motorists - Underinsured Motorist Coverage (UM-UIM)*
Uninsured Motorists/Underinsured Motorist Coverage protects you in an accident with a motorist who has no insurance or has too little insurance to cover your injuries or damages. The other driver must be at-fault. In some states and policies, Underinsured Motorist Coverage is separate from Uninsured Motorist Coverage. Policy*
Policy is the document issued to you by the insurance company. The policy states the agreed-upon terms and conditions of the insurance contract. Vehicle Model*
Vehicle Model consists of the following: Model Name, and details such as 4x4, 4Door, Engine Size, and other specific details. Personal Injury Protection Coverage (PIP)*
PIP coverage pays, within the specified limits, the medical, hospital and funeral expenses of the insured person, people in the insured vehicle, and pedestrians struck by the insured vehicle. PIP is the basic coverage implemented in no-fault automobile insurance states.
*Refer to your policy; certain exclusions may apply.
