At Intergroupe USA we do all that we can to ensure you truly understand your coverage.
That said, we encourage proper analysis and regular revision of your insurance products and invite you to contact us to help. We will be able to assess your specific needs and offer solutions adapted to your unique situation.
“PIP – Personal Injury Protection”: Medical payments for you and your passengers
Florida is a no-fault insurance state. If you are injured in an accident, your car insurance will pay your medical costs up to your policy’s limits, regardless of who caused the accident.
PIP will therefore be the primary coverage of your medical expenses even when a third party is liable for the accident. Florida has made this coverage mandatory, as have 20 other states in the US.
Check out our FAQ section to learn how to better understand your obligations.
Civil Liability Insurance
In Florida, a minimum amount of $10,000.00 civil liability coverage is required for payment of damage caused to others. This very minimal limit may be increased based on the driver’s experience, such as DUI convictions or having been involved in an accident.
Regardless of the legal requirements, it is advisable to ensure adequate coverage for legal defense as well as the cost of indemnity for any third person’s accidental injuries. Needless to say, insufficient coverage jeopardizes your income and wealth so we always look for the happy medium between your budget and your best interest.
Other optional coverages:
Medical payments cover reasonable and necessary medical expenses for the passengers in your car at the time of an accident regardless of who is at fault. This coverage may even extend to you as a pedestrian.
Uninsured Motorist: When the liable person does not carry insurance (or has an insufficient amount)
Should the driver or owner of a vehicle be legally liable for an accident but not have insurance or not have enough insurance, you can use UMPD to cover your bodily injuries as well as the damage to your insured vehicle, up to the limits you select. It will also apply in the event of a hit and run.
Florida is known as one of the top states where motorists are most underinsured or completely lacking insurance. An even better reason to consider opting in!
If your insured vehicle is damaged due to an event other than a collision i.e. fire, theft, windstorm, flood falling objects, and vandalism. The limit of indemnity is calculated based on the actual cash value at the time of the loss. If your vehicle is stolen, Comprehensive also covers transportation and loss of use expenses when applicable.
When your insured vehicle overturns or collides with another object whether a car or a tree, collision coverage pays for the damage to your vehicle and is also indemnified based on actual cash value at the time of the loss.
To be eligible for collision coverage, the “comprehensive” coverage is mandatory.
Depending on the conditions of your particular policy, you may also enjoy road emergency services, or even rental expenses while your vehicle is being repaired after an accident.
Good to know
On the declarations page of your policy, you will find the list of your coverage and the amount (limits) for which you are covered.
The deductible amount varies with the coverage. The higher your deductible the lower your premium! Always, choose a deductible that you are comfortable with as it will be paid out of your pocket in the event of a loss.
You must always maintain insurance coverage for your vehicle remaining in Florida, even if you do not reside there. Check out our FAQ section for more information.
With Intergroupe USA,
No surprises come claim time.
We will take the time to fully explain the conditions and exclusions of your contract in French or in English as you prefer.