Does Luxury Car Insurance Require a More Comprehensive Policy?

You want to protect your investment if you own a luxury auto like a Lamborghini, Mercedes-Benz, or a model from another manufacturer. Getting an appropriate auto insurance policy for your vehicle in Oakland Park, FL, can take some effort. Our eAdvisorPro Property & Casualty LLC team can ensure you’ll find a policy to protect your luxury auto.

Risks for Luxury Vehicles are Similar to Less Expensive Cars

All vehicles face risks like theft, vandalism, and the like. However, repairing a luxury auto can cost much more than fixing a traditional car. Premiums are much higher, too. You can expect to pay two to three times more than a high-end vehicle for a similar yet traditional car. Owners will find the same coverage options, including liability, comprehensive, collision, and personal injury protection (PIP). You may want to get the maximum coverage amount for each category to protect your vehicle fully. An alternative is to purchase an umbrella policy, which kicks in when your auto insurance has reached its liability limits.

Other Provisions to Consider

Budget is not an issue for many luxury car owners when insuring their vehicles. Two additional provisions to consider are gap and new car replacement coverage. Gap coverage is ideal if you have a loan for your luxury car. Insurers only pay for the vehicle’s actual value, not how much you spent when you bought it, which can be problematic if it is totaled or stolen. New car replacement coverage covers the cost of purchasing a replacement vehicle.

If you’re wondering what level of coverage is appropriate for your luxury auto, contact eAdvisorPro Property & Casualty LLC, serving Oakland Park, FL. Our professionals can recommend a policy to protect your investment.

Three Car Insurance Add-On’s You Should Consider

More Than Just Pricing: Improve Your Auto Insurance Coverage in Oakland Park, FL

A common shopping behavior is to hunt for the best price while buying any product. However, better pricing doesn’t necessarily equal better protection, especially when it comes to auto insurance. At eAdvisorPro Property & Casualty LLC, we offer drivers in the Oakland Park, FL area a range of beneficial add-ons to enhance their car insurance coverage without breaking the bank.

Understanding Valuable Auto Insurance Add-Ons

In the quest for superior auto insurance coverage, several add-ons should be considered. Underinsured and Uninsured Motorist Coverage is vital because not all drivers follow the mandatory minimum coverage rule. In such scenarios, this add-on offers crucial protection.

Rental Car Insurance proves exceedingly beneficial when your car is being repaired after an accident. This add-on covers the cost of a rental car, thereby reducing your inconvenience. This additional coverage is relatively economical and extremely valuable when required.

Increasing Coverage can also be a wise choice. While many opt for only the minimum state-mandated protection, upgrading your coverage might prove affordable. Our experts at eAdvisorPro Property & Casualty LLC will guide you through the benefits of enhanced coverage.

Contact eAdvisorPro Property & Casualty LLC if it’s been over a year since your last auto insurance review. Serving Oakland Park, FL, we offer insurance products aimed at safeguarding your assets. Don’t pre-emptively say ‘no’; find out your possibilities with eAdvisorPro Property & Casualty LLC.

Safe Driving in Florida: Your Guide to Auto Insurance

Oakland Park, FL motorists must maintain the proper level of vigilance on the roadways. It all starts with finding the right auto insurance policy. Fortunately, eAdvisorPro Property & Casualty LLC is here to help. Let’s look at the following tips to avoid the usual pitfalls.

Prioritize Safe Driving

Safe driving is a must in any context, but did you know that it can actually help significantly when it comes time to purchase an auto insurance policy? You will be able to prevent serious accidents from taking place, and you will also be able to find a top-notch policy more efficiently. It should go without saying, but those with a clean driving record will always have more options than those without.

Look Into anti-theft Systems.

Auto insurance policies are always easier to come by for motorists in the state of Florida when they are taking critical steps. Anti-theft systems are one of the most crucial investments that can be made. Be sure to speak with our team of experts about all the advantages you can enjoy when you take the time to equip your vehicle with an anti-theft system.

Don’t Purchase Unnecessary Coverage

We are happy to review your potential policy as early as possible to ensure no unnecessary coverage is being purchased. The policy declarations page is significant in these instances, so be sure to ask any questions that you may have before making any final decisions.

If you are in the Oakland Park, FL region and would like to learn more about the best auto insurance policies for your needs, eAdvisorPro Property & Casualty LLC is here to help. Give us a call or stop by as soon as possible!

Florida Drivers: What to Do When You’re Involved in a Crash

Most of us have been there: you’re driving down the road, and out of nowhere, you’re involved in a car crash. Florida requires you to contact local law enforcement if the crash results in injury or death. The same requirement applies when the crash causes $500 (or more) damage to a vehicle or property.

Consulting eAdvisorPro Property & Casualty LLC

Florida’s drivers who need auto insurance should know that eAdvisorPro Property & Casualty LLC is ready to provide you with the best auto insurance policy. Our staff of professionals is available to answer your questions about Florida driving laws. Please call today at (800) 891-0515 or stop in at our Oakland Park, FL office.

Exchange Information

The first step after a crash is for both people to move their cars to a safe location. After that, both people should exchange insurance information and wait for a law enforcement officer to arrive. Before the officer leaves, they’ll tell you where to get a copy of the accident report.

If Injury is Involved

If the crash resulted in an injury, the Florida Financial Responsibility Law requires the at-fault driver to have full liability insurance at the time of the crash. If the at-fault driver doesn’t have coverage, they must buy and maintain liability insurance. Their insurance company must then submit proof of that insurance. They must also get a document from the other driver detailing the list of that driver’s injuries or damages.

At eAdvisor Pro Property & Casualty LLC, we’ll provide you with more than an insurance policy. Our experienced Oakland Park, FL agents are always prepared to address your concerns about auto insurance matters. Give us a call today, or get a quote through our website.

Auto Insurance Requirements in Florida

 The agents at eAdvisorPro Property & Casualty LLC, serving the Oakland Park, FL area are stressing the importance of auto insurance.

Auto Insurance Requirements in Florida

In the state of Florida, anyone who owns a motor vehicle with four or more wheels must carry a minimum amount of personal injury protection, also known as PIP insurance, and a minimum amount of property damage liability insurance to drive on public roads legally. The law allows up to a $1,000 deductible for personal injury protection and only a $500 deductible for property damage liability.

Other Auto Insurance Coverage Options

Collision Coverage

There are many other coverage options for auto insurance, including collision coverage. If you collide with an object or another vehicle, this will cover your vehicle. It will help pay for damage to your vehicle and the one you collided with.

Comprehensive Coverage

Comprehensive insurance coverage will help you replace or repair your vehicle if it becomes damaged by some natural disaster, such as a hurricane in Florida, a fire, or even an act of vandalism. If your car is stolen, comprehensive coverage can help you replace it.

Keep in mind that most lenders will require that you have both collision and comprehensive coverage insurance to protect the investment they have made in your vehicle until you pay off your loan.

Other Auto Insurance Options

Other auto insurance options that your agent can discuss include uninsured and underinsured motorist coverage, medical payments coverage, and Gap Insurance.

Contact eAdvisorPro Property & Casualty LLC.

To start your auto insurance policy, call today for an appointment with one of the agents at eAdvisorPro Property & Casualty LLC, serving the Oakland Park, FL area.

Do all Oakland Park car owners need to have auto insurance?

If you live in the Oakland Park, FL area, owning a vehicle is likely very helpful. Being a car owner here can make it much easier for you to get around the community. If you want to buy a car in this area, you will also want to get auto insurance. There are a lot of reasons why someone will need to have auto insurance coverage here. 

Comply with Legal Requirements

You will need to get an auto insurance plan because it will allow you to comply with any legal requirements. Car owners driving in Florida will be obligated to carry liability coverage at all times. This ensures drivers are able to pay for the damage they may cause when driving. If you do not have this insurance, you could face penalization.

Protect Vehicle

It is also important to get auto insurance to ensure you are able to protect your vehicle. A car owner in Florida will be making a significant investment. The best way to support and protect this investment is by getting an auto insurance policy with full coverage. If you have a full plan, you will get support if you experience accident damage, theft, or another form of loss. 

Any car owner in the Oakland Park, FL area needs to get proper insurance coverage for their vehicles. If you want this type of insurance when you are here, calling our team with eAdvisorPro Property & Casualty LLC could be helpful. Our eAdvisorPro Property & Casualty LLC insurance team can give you any guidance you need to build a proper plan to meet your needs and protect your car. 

What Information Should You Have Available When Reporting an Auto Insurance Accident to Your Auto Insurer?

Suppose you have never been involved in an accident before. In that case, one of the questions you may have when an accident occurs is what information you need to have available when reporting that accident to your auto insurance company. At eAdvisorPro Property & Casualty LLC, providing auto insurance in the greater Oakland Park, FL region, we are frequently asked this question and want to help you prepare to file an auto insurance claim. Here are some of the crucial bits of information you should have available. 

Your Policy Information

Anytime you file a claim with your auto insurer, you should have your policy number available. Having your policy number available is necessary if you are filing a claim online or through an app. If you are filing a claim in person or via the phone, the insurance agent may be able to pull up your policy through other information, but having the policy number helps expedite the process. 

Information Pertaining to the Other Driver

Another critical bit of information you need to have is information about the other driver or vehicle that hit you. Ideally, you should have information such as the other driver’s name, license number, insurance policy provider and policy number, type of vehicle involved in the accident, and the vehicle’s license plate in the accident. 

Information About the Accident Itself

Lastly, be prepared to explain your version of the events that led to the accident. Ideally, it would be best if you jotted down what happened as quickly as possible after the accident so you do not forget key pieces of information or fail to convey this to the insurance agent. 

Having the correct information on hand can speed up the auto insurance claim intake process. If you are looking to purchase a new auto insurance policy to ensure you are fully covered in the event an accident happens, eAdvisorPro Property & Casualty LLC, serving the greater Oakland Park, FL area, would love to help you. Contact us now to get started. 

The Meaning of Custom Car Insurance

A major national ad campaign talks about "custom car insurance," but you get that from every insurance company, not just the one in the advertisement. Here’s how car insurance works:

Florida Auto Insurance Requirements

You don’t get a one-size-fits-all policy when you buy auto insurance from eAdvisorPro Property & Casualty LLC. Every customer at our Oakland Park, FL insurance firm gets a custom policy. Every policy meets the Florida legal requirements for liability insurance, but beyond that, you decide what coverage you want.

Every policy must contain at least $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL). Besides that, you choose what goes in your auto policy and the amount of coverage you want. Choose from:

  • Comprehensive
  • Collision
  • Roadside assistance
  • Gap coverage
  • Medical payments
  • Bodily injury liability

One of the 12 no-fault states, Florida does not require bodily injury liability, but you can add it if you want.

Personal Consultation

So, which coverage do you need? That depends on you. Contact us at eAdvisorPro Property & Casualty LLC for a consultation. We’ll ask you a few questions about your car, what you use it for, and how often you drive it.

We’ll also explain the various coverage types and how they help you. You can always get custom coverage on your automotive insurance. You can obtain the coverage amount you want with all types of coverage. If you add $10,000 or $50,000 of bodily injury liability, you can, but in Florida, you don’t have to add it.

Contact Us Today

Don’t believe the commercials. You can get a custom auto policy from us, too. Contact eAdvisorPro Property & Casualty LLC, serving Oakland Park, FL for more information.

Required Auto Insurance in Florida

When you have a vehicle in Florida, you must have an auto insurance policy. You can be charged high fines and fees if you don’t have a policy and proof of that policy. It’s also essential to have this coverage for your own protection in case you are at fault for an accident. When you are at fault, it’s up to you to pay for any of the damages done to the other party and their vehicle. To get the coverage you need in Florida, contact us at eAdvisorPro Property & Casualty LLC in Oakland Park, FL.

Florida Required Auto Insurance Coverage

There are many different types of auto insurance coverage that you can get to protect yourself and your finances. Florida’s required types of coverage are personal injury protection and property damage liability. In Florida, your insurance pays for your own injuries from an accident, even if the accident was someone else’s fault. You are required to have a small amount of this protection so that your own medical bills can be paid. However, the amount of personal injury protection required is so small that it’s a good idea to get more than is required. There is also an amount of property damage liability that is required. This pays for the damages to someone else’s vehicle after an accident. 

Collision Coverage

The state doesn’t require collision coverage, but it’s generally recommended for your protection. This coverage pays for the damage done to your vehicle in an accident when you are at fault. 

Get Your Auto Insurance in Florida

When you need auto insurance to stay legal and to protect yourself, contact us at eAdvisorPro Property & Casualty LLC in Oakland Park, FL to get the coverage you need.

Do I need Full Coverage Auto Insurance With a Car Loan in Florida?

Like most people, you probably have questions about full coverage auto insurance and car loans. Do you need full coverage if you have a loan on your car? What are the benefits of a comprehensive policy? Let’s look at full coverage auto insurance and car loans in Oakland Park, FL.

Car Loans and Insurance

If you have a car loan, your lender will require you to have full auto insurance coverage. This is because the lender wants to ensure they protect their investment in case of an accident or theft. With full coverage, your lender will be reimbursed for the remaining balance of your loan if your car is totaled or stolen.

What is a Comprehensive Insurance Policy?

A comprehensive insurance policy is a type of full coverage auto insurance that covers you for more than just accidents. Comprehensive coverage includes protection from fire, theft, vandalism, and other types of damage. Lenders often require this if you have a car loan.

Your eAdvisorPro Property & Casualty LLC insurance agent can help you learn about the benefits of full coverage auto insurance and decide if it’s right for you.

Gap Coverage

Another reason to have full coverage auto insurance is gap insurance. Gap insurance covers the "gap" between the value of your car and the amount you still owe on your loan. This is important because if you total your car, the insurance company will only pay the vehicle’s market value, which may be less than what you owe on your loan. Gap insurance covers the difference, so you don’t have to come up with the money.

To learn more about full coverage auto insurance in Oakland Park, FL, and whether it’s right for you, contact your eAdvisorPro Property & Casualty LLC agent today.