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Insuring your car will protect you from financial loss if you are ever involved in an auto accident. An auto insurance policy is essentially an agreement between yourself and your insurer that provides you with property, liability and medical coverage. Although many people opt for minimum liability coverage, an auto policy may insure any of the following protections:

• Bodily Injury Liability

  Bodily injury liability covers the designated driver or policy holder if they are injured in an auto accident or if they injure others. If you have family members listed on your policy, they are also covered if driving another person’s vehicle with their permission. If you opt for the minimum liability coverage, be careful- the amount you purchase may not completely cover you if you are involved in a series accident or are served with a lawsuit. Buying more than the state required minimum will protect your assets- like your home, boat, and savings- if you get into an accident. 




• Medical Payments

  Medical payments (or personal injury protection plans) pay for the care of injuries to the driver and passengers of the policyholder’s car in the event of an accident. Depending on the amount of coverage you choose, medical payments coverage can cover medical costs, lost wages, and possible funeral costs. 




• Property Damage Liability

  Property damage liability coverage covers the damage you, or someone driving your car with your permission, does to another person’s property. Usually, this includes damage to lamp posts, telephone poles, buildings, fences, or other structures you may hit.




• Collision

  Collision coverage covers damage that to your car that results from a collision with another vehicle or object. This type of coverage also covers your car against damage from potholes, or if it flips over. You can choose a relatively low deductable or a high one- but keep in mind that a higher deductable will result in a lower premium.




• Comprehensive

  If your car is stolen or is damaged by something other than a collision with another car or object (i.e. fire, falling objects, missiles, explosions, hail, vandalism, etc.). Comprehensive insurance will also reimburse you if your windshield is cracked or shattered. Some companies offer glass coverage with or without a deductible.




• Uninsured and Underinsured Motorist Coverage

  If you are hit by an uninsured driver, or are the victim of a hit and run accident, this type of coverage will reimburse you, a member of your family, or a designated driver. Underinsured motorist coverage is used when an at-fault driver does not have enough insurance to pay for the costs to repair your vehicle. This coverage can also come into play if you are hit as a pedestrian.

Stirling Insurance Services has agents dedicated to providing you with auto insurance that will cover you from loss. Trust us to help you with all your insurance needs.

Get your free Florida Auto Insurance Quote and get on the road to fast, personal service from an agent who cares about you!

By combining policies with Stirling Insurance Services, you can save up to 30%. Learn more about adding a Homeowners Insurance Policy.