Florida Personal Auto
Providing Florida drivers throughout Miami-Dade, Broward, Palm Beach and the State of Florida with quality auto insurance.
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Car insurance is about more than just finding the best price. We all know that while price is important, you need to be sure that you are getting the best coverage for that price. Cut-rate insurance could jeopardize everything you own in the event of an accident.
At Excellence Insurance, we take the time to learn about your needs and provide honest, personalized advice and real auto insurance options from quality insurance companies.
Understanding Personal Auto Insurance Solutions
Instead of sifting through all the options from insurance companies, Florida residents turn to Excellence Insurance for direction on choosing ideal insurance options based on their specific needs.
Pays the damages for bodily injury or property damage for which the insured is legally responsible because of an automobile accident.
MEDICAL PAYMENTS COVERAGE
Ensures that most medical expenses will be taken care of if you or a family member is injured in an auto accident as either a passenger in the car, or as a pedestrian.
PERSONAL INJURY PROTECTION
Pays for the treatment of you and your family members should someone get injured as a passenger or pedestrian.
UNINSURED/UNDERINSURED MOTORIST COVERAGE
Pays if the driver at fault does not have adequate liability to pay for your injuries and damages, you’ll be compensated for the amount in which you are entitled to.
Optional coverage can be provided for Towing and Rental, Comprehensive and Collision, Roadside Assitance and more. Talk to our agent to learn more.
WHAT KIND OF COVERAGE DO I NEED IN FLORIDA? The minimum requirement is $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL). If you have been in a crash or convicted of certain offenses, the Florida DMV can request you purchase additional auto insurance coverage such as bodily injury liability coverage (BIL). HOW CAN I SAVE MONEY ON MY AUTO INSURANCE? Insurance carriers offer drivers mutliple ways to save money on their car insurance premium. Most carriers offer discounts for Homeowners, Good Driver, Good Student, Paid in Full, and vehicle Safety Features such as airbags. Another great way to save on your premium is to combine your Auto and Homeowners with one carrier. Talk to your agent to learn more. IF ANOTHER PERSON DRIVES MY VEHICLE, ARE THEY COVERED BY MY POLICY? The insurance follows the vehicle, not the person. If another person should borrow your vehicle with your permission, but is not a regular driver, the vehicle is covered.