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Auto Insurance

Statistics show that the national average of uninsured motorists is 13.8%. In Florida however, roughly 25% of drivers on the road carry no insurance. The next 25% of drivers have less than $10,000 of coverage if they were to injure anyone in an accident. This means in the event you are injured in an accident, 50% or more drivers in Florida don’t have  adequate coverage to pay for your injuries.  Because of these statistics, uninsured motorist coverage is extremely important in Florida. An Erb and Young client named Lisa recently found out how important this coverage is.

Lisa is a business owner and her income depends on her ability to work on her business. One day in 2015, she was rear ended by a driver who hit the gas instead of the brake and ultimately failed to stop at an intersection. Lisa suffered a severe back injury. The driver who hit Lisa had the state minimum insurance. The at-fault driver had NO coverage for Lisa’s injuries, lost wages, or additional expenses she incurred because of the accident. Lisa was not able run her business for several months and lost several hundred thousand dollars of income. Fortunately, Lisa had uninsured motorist coverage on her policy provided by Erb and Young. She was able to recover her financial losses from the uninsured motorist coverage she was owed by the at-fault driver.

The scenario above happens every day in Florida. Erb and Young Insurance stands behind their quality service and insurance products. Our experienced agents will make sure you understand the insurance you are buying and this includes an explanation of what is and what is not covered. Not only will you receive first class service, you will receive the most competitive rates from Erb and Young’s 10 partner auto insurance companies.

What is Auto Insurance?

  • Bodily Injury Liability– Covers expenses related to the injury or death of another driver or a pedestrian when an accident is your fault.
  • Property Damage Liability– Gives you coverage in case your car damages someone else’s property – usually this means someone else’s car, but it could be a fence, light post or other piece of property.
  • Medical Payments–Covers certain medical expenses if any vehicle occupants are injured in an accident.
  • Collision Coverage– Is an optional coverage that covers damage to your car caused by impact with another car or object.
  • Comprehensive Coverage– Is also an optional coverage that covers damages to your car caused by something other than a collision – like theft, fire, etc.
  • Uninsured Motorist- This coverage pays what you would normally collect for the at fault party if they don’t have insurance, or don’t have enough insurance.
  • Personal Injury Protection- This is the state mandated “no-fault” coverage which covers several different things including a percentage of your medical bills and lost wages.