INSURANCE DESK INC.

 

16855 NE 2nd Avenue

Suite 303

North Miami Beach FL 33162

 

Phone: 305-906-3000

Fax: 305-651-0611

Auto Insurance
Driving can be an enjoyable experience. However, an accident is inevitable even to the best drivers.

 

 Having insurance can help cover the repair of your vehicle and medical costs. It protects you in the event you caused property damage  or injure  another person.


When it comes to quoting an Auto insurance policy, the quote is primarly based upon the driver or drivers and the limits of each vehicle. Age, driving record, level of education, and the number years the driver is  licensed are just some factors that determine the overal cost of insurance. However, different companies offer different packages, discounts and credits that can help reduce the premium of your auto insurance

Driving can be an enjoyable experience. However, an accident is inevitable even to the best drivers.

 

 Having insurance can help cover the repair of your vehicle and medical costs. It protects you in the event you caused property damage  or injure  another person.


When it comes to quoting an Auto insurance policy, the quote is primarly based upon the driver or drivers and the limits of each vehicle. Age, driving record, level of education, and the number years the driver is  licensed are just some factors that determine the overal cost of insurance. However, different companies offer different packages, discounts and credits that can help reduce the premium of your auto insurance.

Bodily Injury Liability Coverage – In the event of an accident in which you are at fault, this coverage pays for bodily injury or someone getting hurt or death as a result from an accident and in most cases provides you with a legal defense.

 

Property Damage Liability Coverage – In the event of an accident, this coverage provides you with protection if your car accidentally damages another person's property and in most cases provides you with a legal defense.

 

Medical Payments, No-Fault or Personal Injury Protection Coverage – In the event of an accident , this coverage usually pays for the medical expenses of the driver and passengers in your car as a result of a covered accident regardless of fault.

 

Uninsured Motorist Coverage – In case of the accident, this coverage pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, underinsured motorist coverage is also included. This is for cases in which the at-fault driver has no or insufficient about insurance to cover the damages involved in the accdent.

 

Comprehensive Physical Damage Coverage – In the event of an accdent this coverage pays for damage to your car from theft, vandalism, fire, and other covered perils.

 

Collision Coverage – In the event of an accident , this coverage pays for damage to your car when it hits or is hit by another object.

Please keep in mind it is important to read your policy to fully understand what the coverage limits are and in the event of an accident regardless of who is at fault to understand how your policy will protect you.
 
Please dont hesistate to contact us if you have any questions or if you wish to obtain a quote.
 
We are here to help.