PERSONAL/AUTO - First Choice

Hop in, we’ve got you covered at First Choice.

Make First Choice Your Choice for Personal Auto Insurance

You’ve got lots of choices when it comes to purchasing Auto insurance. The key is making sure you have the right coverage with the right limits and deductibles. You don’t necessarily get that this without the help of an experienced agent. In addition, Florida is looking to make some major changes in the Auto insurance market, which can impact your coverage.

First Choice Insurance of America will review your policy, let you know if you’ve got the right mix of coverages at a competitive price and whether we can improve up on your current plan. We’ll also let you know what the legislative changes in Florida, if passed, will mean for your insurance program.

Inside Your Auto Insurance

An Auto insurance policy can be designed to provide the following coverages:

Bodily Injury Liability : Protects you in the event of an accident that you cause, and a third party is injury. Family members listed on the policy are also covered when driving someone else’s car with their permission. It's very important to have enough Liability insurance, because if you are involved in a serious accident, you could be sued for a large sum of money.
Medical Payments : Covers the treatment of injuries to the driver and passengers in your car.
Property Damage Liability : Pays for damage you (or someone driving the car with your permission) may cause to someone else’s property.
Uninsured and Underinsured Motorist : Reimburses you, a member of your family, or a designated driver if one of you is hit by an uninsured or hit-and-run driver.
Collision : Pays for damage to your car resulting from a collision with another car, object or as a result of flipping over. Collision coverage comes with a typical deductible of $250 to $1,000 – the higher your deductible, the lower your premium.
Comprehensive : Reimburses you for loss due to theft or damage caused by something other than a collision with another car or object, such as fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, riot, or contact with animals such as birds or deer. Comprehensive insurance is sold with a deductible.

If you have a new vehicle with sophisticated, high-tech equipment, it’s important to have the right deductibles in place, as this equipment is expensive to replace in the event it gets damaged in an accident. For example, while repairing a smashed bumper on a typical car can run from $300 to $700, a damaged bumper that’s fitted with safety-system sensors can cost anywhere from $1,000 to $2,500 to fix.

Towing and Rental Reimbursement coverages are also available.

Hop in, we’ve got you covered at First Choice.

Make First Choice Your Choice for Personal Auto Insurance

Inside Your Auto Insurance

Your Protection Is First With Us

Call Us at (904) 732-1818