Common Auto Insurance Coverages:

Liability Coverage:

Protects you financially in the event that you unintentionally cause injuries to other drivers or damage to other vehicles or property.

Uninsured Motorist Coverage:

Can provide coverage for medical costs and pain and suffering for bodily injury to you and others in your vehicle, if such injury is caused by a driver with no insurance coverage or insufficient limits of coverage.

Personal Injury Protection (“No Fault”):

Required coverage under Florida’s No-Fault Law that provides a percentage of first-dollar medical expenses to you, in addition to other potential benefits, regardless of fault in the accident.

Medical Expense Coverage:

Pays certain medical expenses for injuries sustained while occupying your car, regardless of who is at fault, above and beyond what Personal Injury Protection provides.

Comprehensive Coverage:

Pays for damage to your car, less any deductible, caused by things other than collision, such as a fire, theft, glass breakage, or natural disaster (windstorm, hurricane, etc.).

Collision Coverage:

Pays for damage to your car, less any deductible, caused by colliding with another vehicle or object.

Towing & Labor:

Provides a limited amount of reimbursement for expenses such as towing or car repairs made at the site of vehicle disablement.  Some auto carriers offer roadside assistance, which provides you with an emergency contact number to call in the event of such disablement.

Rental Reimbursement:

Provides limited reimbursement for a rental car used while your car is being repaired for a covered claim.

Common Auto Insurance Discounts:

• Good driving record
• Financial responsibility
• Low annual mileage driven
• Multiple vehicles insured with a company
• Owning a home/condo (does not need to be insured by Joyner Family Insurance)
• Good student
• Student with driver’s education course
• Student away at school without vehicle
• Seasonal drivers
• Billing plan / pay-in-full
• Paperless
• Vehicle safety rating
• Air bags
• Automatic occupant restraint systems
• Anti-theft devices
• Anti-lock brake system