Coverages
The following outline of coverage is for informational purposes only. Liability   Coverage:   This   covers   your   legal   liability   for   bodily   injury   to   others   (Bodily Injury   Liability)   or   damage   to   their   property   (Property   Damage   Liability).   Florida   law requires   you   have   Property   Damage   Liability   coverage.   The   principal   exclusions   (items not   covered   by   your   policy)   for   this   coverage   are:   (1)   autos   owned   by   you   or   furnished or   available   for   the   regular   use   of   you   or   your   family   members   ,   which   have   not   been specifically   covered   under   the   policy,   (2)   vehicles   with   less   than   4   wheels,   and   (3)   claims for injured members. Personal   Injury   Protection   (P.I.P.):   This   covers   you,   your   family   members   and certain   others,   for   bodily   injuries   resulting   from   auto   accidents,   without   regard   to   fault. Payments   are   for   80%   of   medical   expenses,   60%   for   loss   of   income,   replacement household   services   and   (if   the   limit   has   not   been   exhausted   by   other   benefits)   a   death benefit.   Personal   Injury   Protection   is   also   required   under   Florida   law.   The   principal exclusions   for   this   coverage   are   injuries   sustained   in   autos   you   or   your   family   members own,   which   have   not   been   specifically   covered   under   the   policy,   and   injuries   to   other vehicle owners required by law to have their own coverage. Medical    Payment    Coverage:    This    coverage    supplement    the    medical    expense reimbursement   of   PIP   coverage   and   provide   basic   coverage   in   situations   where   PIP   does not pay. The principal exclusion's are similar to those for liability coverage. Uninsured   Motorist   Coverage:    This   coverage   pays   for   bodily   injuries   to   you,   family members   and   certain   others,   resulting   from   the   negligence   of   others.   It   pays   when   the at-fault   party   has:   no   liability   insurance,   or   liability   coverage   with   limits   not   adequate   to pay   for   the   damage   incurred,   or   if   injuries   result   from   a   hit-and-run   vehicle.   Your coverage   may   be   "Stacked"   or   "Non-stacked".   The   principal   difference   between   these two   forms   is   that   the   total   amount   of   protection   under   the   stacked   form   is   the   sum   of the   limits   applicable   to   each   vehicle   insured,   whereas   under   the   non-stacked   form   the limit stated applies per accident regardless of how many vehicles you own or insure. Collision:   This   covers   damage   to   your   car   resulting   from   upset   or   impact   with   another object. Comprehensive:   Provides   coverage   for   damage   to   your   car   resulting   from   fire,   theft and   other   direct   losses   not   excluded.   The   principal   exclusions   are   for   damage   to   certain electronic   and   sound   equipment;   tapes   and   others   media;   radar   detector;   undeclared camper bodies; and van pickup customized equipment. Other   Coverage:    In   addition,   your   policy   may   contain   other   endorsements   which   add or   broaden   coverage,   as   indicated   by   their   titles.   The   principal   endorsements   which   may be found is towing and labor cost. Renewal   and   Cancellation   Provision:   You   may   cancel   your   policy   at   any   time   after   it has   been   in   effect   for   60   days.   During   the   first   60   days   of   your   policy,   you   may   cancel only   if   you   dispose   of   the   vehicle   or   it   is   total   loss,   or   after   the   purchase   of   another policy   covering   the   motor   vehicle   which   was   covered   under   this   policy.   Under   conditions where   the   law   permits   us   to   cancel   or   refuse   renewal   of   your   policy,   we   must   give   you advances   notice   as   follows:   (1)   10   days   for   cancellation   because   of   nonpayment   of premium;   (2)   45   days   for   cancellations   for   any   other   reason;   (3)   45   days   if   we   refuse   to renew.
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Coverages explanation
The       following       outline       of coverage    is    for    informational purposes only. Liability       Coverage:       This covers    your    legal    liability    for bodily   injury   to   others   (Bodily Injury   Liability)   or   damage   to their        property        (Property Damage    Liability).    Florida    law requires     you     have     Property Damage   Liability   coverage.   The principal   exclusions   (items   not covered   by   your   policy)   for   this coverage   are:   (1)   autos   owned by   you   or   furnished   or   available for   the   regular   use   of   you   or your    family    members    ,    which have      not      been      specifically covered    under    the    policy,    (2) vehicles     with     less     than     4 wheels,     and     (3)     claims     for injured members. Personal    Injury    Protection (P.I.P.):   This   covers   you,   your family    members    and    certain others,      for      bodily      injuries resulting    from    auto    accidents, without       regard       to       fault. Payments     are     for     80%     of medical   expenses,   60%   for   loss of         income,         replacement household   services   and   (if   the limit   has   not   been   exhausted   by other   benefits)   a   death   benefit. Personal    Injury    Protection    is also   required   under   Florida   law. The   principal   exclusions   for   this coverage   are   injuries   sustained in    autos    you    or    your    family members   own,   which   have   not been   specifically   covered   under the   policy,   and   injuries   to   other vehicle   owners   required   by   law to have their own coverage. Medical   Payment   Coverage: This    coverage    supplement    the medical                         expense reimbursement   of   PIP   coverage and   provide   basic   coverage   in situations   where   PIP   does   not pay.    The    principal    exclusion's are   similar   to   those   for   liability coverage.
Uninsured                   Motorist Coverage:    This   coverage   pays for   bodily   injuries   to   you,   family members    and    certain    others, resulting   from   the   negligence   of others.    It    pays    when    the    at- fault     party     has:     no     liability insurance,   or   liability   coverage with   limits   not   adequate   to   pay for   the   damage   incurred,   or   if injuries   result   from   a   hit-and- run   vehicle.   Your   coverage   may be   Stacked   or   Non-stacked.   The principal      difference      between these   two   forms   is   that   the   total amount   of   protection   under   the stacked   form   is   the   sum   of   the limits   applicable   to   each   vehicle insured,     whereas     under     the non-stacked     form     the     limit stated     applies     per     accident regardless       of       how       many vehicles you own or insure. Collision:   This   covers   damage to   your   car   resulting   from   upset or impact with another object. Comprehensive:          Provides coverage    for    damage    to    your car   resulting   from   fire,   theft   and other       direct       losses       not excluded.         The         principal exclusions    are    for    damage    to certain    electronic    and    sound equipment,    tapes    and    others media,          radar          detector, undeclared   camper   bodies,   and van         pickup         customized equipment. Other   Coverage:   In   addition, your   policy   may   contain   other endorsements     which     add     or broaden   coverage,   as   indicated by    their    titles.    The    principal endorsements    which    may    be found is towing and labor cost. Renewal     and     Cancellation Provision:      You     may     cancel your   policy   at   any   time   after   it has   been   in   effect   for   60   days. During   the   first   60   days   of   your policy,   you   may   cancel   only   if you   dispose   of   the   vehicle   or   it is     total     loss,     or     after     the purchase     of     another     policy covering     the     motor     vehicle which    was    covered    under    this policy.   Under   conditions   where the   law   permits   us   to   cancel   or refuse    renewal    of    your    policy, we    must    give    you    advances notice   as   follows:   (1)   10   days for     cancellation     because     of nonpayment   of   premium,   (2)   45 days    for    cancellations    for    any other   reason,   (3)   45   days   if   we refuse to renew.