Auto Insurance

Auto insurance is a vital protection. Whether you and another driver have a collision or your vehicle is vandalized, an auto insurance policy may help you recover financially from a covered incident. 

Florida drivers must have personal injury protection to help pay medical costs and property damage liability coverage if they damage someone else’s property. These protections may help you if you have a covered loss. The Gene Smith Insurance Agency helps protect Dade City, Florida residents with auto coverage that meets their needs and fulfills the state’s insurance requirements.  

What Is Auto Insurance? 

Auto insurance is a contractual agreement you make with an insurer. In exchange for your premium payments, the insurer provides the policy coverage defined in your auto insurance policy. This coverage may give you financial protection if you have a covered loss, and your policy may also protect you against accident-related liability claims.  

What Does Auto Insurance Cover? 

Various types of auto insurance help ensure that you are adequately protected if you have a covered incident. Many Florida drivers choose these types of insurance for protection: 

• Comprehensive insurance may pay for nonaccident damage to your vehicle, such as weather damage, fires, theft, vandalism or other occurrences. 
• Liability insurance may help pay for the losses of the other driver and anyone else injured or harmed if you are at fault for an accident and includes the following:
  • Bodily injury liability coverage may help pay for third-party medical bills and sometimes death benefits. 
  • Property damage liability coverage may help pay for damage to the other person’s property. 
• Collision insurance may cover damage to your vehicle sustained in an accident or collision with an object. 
• Personal injury protection (PIP) coverage may pay for medical expenses for injuries you or a passenger has sustained in an accident, regardless of who is at fault. PIP also includes wage replacement coverage and reimbursement for reasonable expenses if you’re injured in an accident. 
• Uninsured/underinsured motorist insurance may cover damages if someone who doesn’t have appropriate liability coverage caused an accident that resulted in bodily injuries or property damage to you. 

There may be additional protection that you may decide to purchase for your vehicle, including rental reimbursement, emergency roadside assistance and mechanical breakdown insurance. We can discuss if these supplemental coverages would be beneficial to apply to your auto insurance policy. 

How Much Auto Insurance Do I Need? 

Auto insurance coverage may help protect you against financial loss, but determining how much insurance you need can be challenging. We can work with you to find a policy that gives you appropriate coverage and satisfies applicable Florida insurance requirements and any lender insurance requirements—if you financed or leased your vehicle. Florida is a no-fault state, which means you must have PIP coverage to help pay for injuries from a covered vehicular accident, regardless of who is at fault.  

We Can Help 

The Gene Smith Insurance Agency can help you explore insurance coverage auto that gives you the protection you need for yourself and your vehicle. Call us at 813-780-8300 or 352-567-5454 for a no-obligation quote on your auto insurance.