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Auto insurance is a legal obligation in all fifty states in the country. If you own or drive a vehicle in the US, you must have liability insurance. Auto insurance will cover your expenses if one or more vehicles are damaged and it will provide protection if passengers, pedestrians, or drivers are injured.
We cannot predict exactly when or where accidents will happen, nor the outcome, but we can protect ourselves by thinking ahead and ensuring that we are adequately insured. Obtaining car insurance in Orlando, FL from Harris Insurance is not only about protecting yourself, but also about protecting other drivers and passengers, including pedestrians. Many careful drivers end up in court, defending themselves and family members through no fault of their own. It happens, and when it does, it is best to have auto insurance to mitigate the risks of driving.
As the trusted choice for Florida auto protection, we offer:
Bodily Injury caused to others
Property Damage caused to others
Damage to your vehicle (Comprehensive & Collision)
Uninsured and Underinsured Motorist coverage
What Is Your Orlando Car Insurance Options?
The minimum coverage really is only the beginning. It is not necessary to have every kind of auto insurance coverage invented. Still, you should know that there are many variables, and experienced insurers like us can provide you with the best combination to suit you. We will take into account your circumstances, your budget, your vehicle, and other considerations. From there, we will adapt our solutions, so you are covered and obtaining the most value from your car insurance policy.
We appreciate that all drivers are different, and therefore have different requirements. For example, if you use your vehicle for work, such as performing deliveries, you will be required to have a specific kind of auto insurance. Many drivers are unaware of this and think that their personal auto insurance will cover them in the event of an accident on the job. This is not so. It is also why we make it clear what options you need, and what we can do for you considering the driving you do.
The best way to attain the perfect auto insurance for your needs is to talk to a reputable insurer. We want you to have the coverage you need so that one fewer person is driving under the false impression of being adequately protected. We do not just provide insurance; we provide peace of mind.
Do I Need Additional Auto Insurance Coverage?
Customizable auto insurance in Orlando comes with various categories of options. We provide the following sub-services to make sure that our clients are protected:
- Bodily injury caused to others
- Property damage caused to others
- Personal injury protection
- Damage to your vehicle comprehensive and collision
- Towing
- Rental reimbursement
- Uninsured and underinsured motorist coverage
Our lines of communication are open to you to talk through any of these options. If you do not see what you need, please give us a call and we will be happy to help. Here is some more information on additional options for our auto insurance plans.
Bodily Injury Caused to Others – The point of this liability coverage is that it will pay for an injury caused to others as a result of an accident deemed to be your legal responsibility. This bodily injury insurance is required by law. The legal minimum limit is $10,000 per person and $20,000 per accident. However, you can increase your limits by talking to your auto insurance insurer. If you purchase a single-limit option, the minimum requirement is $25,000. Again, you can increase your protection if you choose.
Property Damage Caused to Others – This is liability coverage that pays for damage on behalf of the driver who is deemed legally responsible for the accident. Once again, in Florida, coverage limits begin at $10,000. This is the minimum and can be increased. Some people choose to include property damage coverage in an excess umbrella liability policy to provide more protection.
Personal Injury Protection – This is required for all personal auto policies and most business auto policies as well. It is also known as “no-fault insurance” because it does not require any party to be at fault for the coverage to be triggered.
Damage to Your Vehicle (Comprehensive and Collision Insurance) – This protects you from financial loss if your vehicle is damaged. Comprehensive coverage and collision coverage both pay out the cash value of your vehicle at the time of the accident or financial loss. This figure is normally minus a chosen deductible. If desired, you can increase the protection provided by this type of coverage by adding other types of coverage, including replacement cost, new car replacement, non-factory add-on equipment, and more.
Towing Coverage– When needed, towing coverage normally pays out on a reimbursement basis. It will cover the cost of removing your vehicle from an accident to a repair facility, or alternatively, the cost of restarting your vehicle if it has been disabled so that you can drive it away from yourself.
Rental Car Reimbursement – If you need transportation following an accident because your vehicle is disabled or being repaired, rental reimbursement coverage normally covers a fixed amount per day for a set number of days so that you can rent a vehicle.
Uninsured and Underinsured Motorist Coverage– This protects you from financial loss if another driver involved in an accident with you is uninsured or underinsured. While you can make sure that you have coverage, you never know the coverage levels of other drivers on the road. Many drivers enhance their protection with uninsured and underinsured motorist coverage. It compensates drivers if they suffer a loss because of a vehicle owner or driver that is underinsured or uninsured or negligent in owning, using, or maintaining an uninsured vehicle.
Protect Your Vehicle, Your Family, and Your Peace of Mind with Harris Insurance
The best way to obtain the auto insurance coverage you need is to talk with a reliable, trusted, experienced auto insurer in Orlando. Fortunately, you will find what you need at Harris Insurance. Our experienced and knowledgeable team is here to listen to your needs and satisfy them with a customized car insurance plan that is sure to ease your mind, and your wallet, and set your mind at ease when it comes to coverage. Contact us today to Request a Quote.
Options & Potential Discounts
Safe driving discount
Accident forgiveness
Multi-car discount
Additional policy discount
Occupation discount
Educational degree discount
Vehicle equipment discounts (airbags, antilock brakes, anti-theft, rear & parking sensors, electric vehicle)
Home Owner discount
New car replacement
Transfer your policy to Harris Insurance discount
Senior driver accident prevention course discount
Paid in full discount
Good student discount
Non-factory, aftermarket & optional equipment coverage
