Types of Liability Coverage You Need in Your Auto Policy

When you own a vehicle, it’s essential that you have an auto insurance policy. Your vehicle lender requires it, and the state requires it. Several coverage types can be included in an auto policy, and two of them are types of liability coverage. It’s essential for many reasons to have liability coverage. It’s crucial for your financial future and those on the road around you who may end up in an accident with you. While getting liability coverage is the minimum type of coverage you need, you should also have other types, such as collision and comprehensive coverage. Call us at Abney Insurance in Winter Garden, FL, for an auto policy.

Property Damage Liability 

This required type of coverage pays for the repairs needed to someone else’s property after you cause an accident that damages that property. Typically, this coverage pays for someone else’s car repairs after you have an accident with them. However, it can pay for other types of property damage as well. If your vehicle ends up on someone else’s property, this coverage can pay for damaged landscaping or damage done to a building. 

Bodily Injury Liability 

This type of liability pays for the bodily harm that is caused to someone else after they’re in an accident with you. This can be another driver, a pedestrian, etc. When you’re found at fault for an accident, paying the medical bills that come from it is your responsibility. Medical bills can be extremely high, even when injuries aren’t that bad, so it’s never a good idea to go without this coverage.  

Get Your Auto Policy

When you need an auto policy, we can help. Call Abney Insurance in Winter Garden, FL, to find out more.

Biggest Dangers on the Road for Modern Drivers

Each year, more than five million car accidents occur in the United States. If you spend a lot of time on the road, there’s a good chance that you could end up in a wreck at some point. If you have the right auto insurance plans, however, the damage might be covered. Either way, it’s still important to understand the dangers modern drivers face. If you live in or near Winter Garden, FL, contact Abney Insurance to explore auto insurance policy options.

Biggest Dangers on the Road for Modern Drivers

Other Drivers

There’s no way around it: other drivers are a major risk. You can be the perfect driver, always following the law and driving defensively. Yet if another driver breaks the law or is reckless, they could hit you. Further, these days you also have to worry about AI drivers. While in theory, people are always supposed to be in control, some drivers are letting AI take over.

The Weather

Bad weather can cause many different issues. Rain can reduce visibility and make the roads more slippery. Ice can cause people to lose control of their vehicle. When driving in poor weather, it’s best to take things slow.

Road Debris

While local authorities may work to keep roads clear, the simple fact is that there are so many miles of road that it’s hard to keep everything clear. Among other things, road debris, such as broken-off car parts and nails, can pop tires and cause people to lose control. Make sure you always keep an eye out for debris on the roads.

Schedule A Consultation Today

If you want to learn more about the dangers of driving or are considering auto insurance policies, feel free to get in touch. Abney Insurance serves Winter Garden, FL, and other communities nearby, and our agents would be glad to help.

Does Auto Insurance Cover Upgrades and Cosmetic Repairs?

When our team at Abney Insurance speaks with car owners in Winter Garden, FL, we hear from folks who have all sorts of cars. From classic cars to modified vehicles, we know how important it is to have coverage that serves your needs not only as a vehicle owner but as someone who owns your specific kind of automobile. Sometimes, you may have a car or other vehicle in your garage that doesn’t fit the standard auto insurance coverage. 

Alternatively, you might have questions about whether your current policy has the level of coverage you need to meet your goals as a car owner such as making modifications or repairs that alter the function or style of your car. In these cases, it pays to speak with an agent at our office to determine what policies might be available to fit your preferences. Until you do that, we can only provide general guidance about what auto insurance policies may cover without going into detail about what your policy in particular can offer.

Does Auto Insurance Cover Upgrades and Cosmetic Repairs?

When you want to upgrade or repair your vehicle for purely aesthetic reasons, a typical auto insurance policy will probably not be able to help you cover those costs. Sometimes, when you modify a vehicle, it makes it ineligible for standard auto insurance coverage. The good news is that there are policies that might be more appropriate in that case to use like classic car insurance. Classic car insurance may be a better fit if you have a modified vehicle. Custom vehicle insurance may also be a good option if you modify your car with custom paintwork or other unique modifications.

For more information, call Abney Insurance in Winter Garden, FL!

Is Auto Insurance Required in Florida?

Our auto insurance agents at Abney Insurance serving the Winter Garden, FL area want you and your vehicle to be adequately protected before you hit the streets. The best way to do this is to have an auto insurance policy that works well for you and your situation.

Is Auto Insurance Required in Florida?

Yes, auto insurance is required in Florida as it is in most of the 50 states across the country. Florida law mandates that all drivers maintain a minimum amount of auto liability insurance coverage to legally operate a vehicle. The minimum coverage includes personal injury protection (PIP) with a minimum of $10,000 in medical benefits and $10,000 in property damage liability (PDL).

This type of coverage is imperative to have in place since it will protect you and your passengers as well as other drivers on the road in the event of an accident. If you do not have at least the minimum amount of auto insurance in place, you can end up with penalties, such as fines, as well as a driver’s license suspension and even vehicle impoundment.

Auto Insurance Coverage Options

Uninsured and Underinsured Motorist Coverage

This type of insurance will come in handy if you are ever involved in an accident with a driver who has no insurance or does not have enough to cover the damages to your vehicle and injuries to you and your passengers.

Comprehensive Insurance

Comprehensive insurance is very important to have in place, especially if you still owe money for your vehicle. This is because it will help you repair or replace your car, truck, or SUV if your vehicle is damaged by a natural disaster, and act of vandalism, or a fire. It can also help you replace your vehicle if it is stolen.

Collision Insurance

This type of insurance may also be required by a lender if you still owe money on your vehicle since it will help repair your vehicle if you collide with another vehicle or a stationary object.

Contact Us Today

To create the best auto insurance policy for you and your vehicle, you can contact the experienced and trustworthy auto insurance agents at Abney Insurance serving the Winter Garden, FL area today!

What to do after a traffic accident in Florida

There’s nothing more frightening than being involved in a traffic accident. One minute you’re driving along, and the next, you’re in a car crash. The aftermath of an accident can be overwhelming, leaving you feeling disoriented and unsure of what to do next. If you find yourself in this situation, don’t panic. Abney Insurance recommends these steps to take after a traffic accident in Winter Garden, FL.

Traffic Accident: Next Steps

1. Check for Injuries

The first step after an accident is to check yourself and your passengers for injuries. If anyone is injured, call 911 immediately. Even if you feel fine, it’s still a good idea to see a doctor, as some injuries may not be immediately apparent.

2. Move to a Safe Location

If possible, move your vehicle to the side of the road to a safe location. This helps to prevent further accidents from occurring. Turn on your hazard lights, and use cones or flares to alert other drivers of the accident scene.

3. Exchange Information

After ensuring the safety of all involved, they exchange the necessary information with the other driver. Be sure to take note of their contact information, license plate number, insurance information, and driver’s license information. Photographic evidence of the accident scene and damage can also be helpful. Other information that may be exchanged includes any witnesses’ names, addresses, and phone numbers.

4. Report the Accident

Florida state law requires all accidents to be reported to the police if anyone is injured or property damage exceeds $500. Call 911. The officer will file a report, which your insurance company will need to process your claim.

Give Us A Call

Contact Abney Insurance once you are back in a safe place. We’re here to help our customers in Winter Garden, FL.

When to review your auto insurance policy

Most people have a yearly auto insurance policy. When it is time for you to renew, you will either get a digital or a paper copy of your auto insurance renewal. The front page of the policy will be the declaration page. At Abney Insurance in Winter Garden, FL, we are an independent insurance agency, and we understand that our customers deserve our full attention and customer service. 

Reviewing Your Auto Insurance Policy

The declaration page is an overview of your auto policy all on one page. The people who are listed on the policy will be here. The amount of liability coverage you have will be listed. It will also show any optional coverage that you may have. It records your cars on the page and what the coverage is on each. With this information at your fingertips, an ideal time to review your auto policy. 

When you add a new vehicle to your policy, it is also a good time to review your coverage. Is your new car an additional vehicle or is it a replacement vehicle?  Who is going to be the primary driver? Look over the coverage that you have and determine if it is right for the new vehicle you are adding. 

When you add a new driver, that is also a good time to check what your coverage is. Is it a young driver? Do you have enough liability coverage?  Will this driver be assigned to a specific vehicle? These are all important questions, and they will help determine your premium. 

When you are checking over your policy, be sure to look at the discounts you are getting and make sure that you are getting all you are entitled to. 

Contact Us Today

Give us a call today at Abney Insurance in Winter Garden, FL, when you have questions or concerns about your auto insurance coverage. 

Planning a Road Trip? Follow These Tips to Stay Safe

Road trips can be a lot of fun unless an accident happens. Fortunately, there are many things that you can do to minimize your risk of an accident when you are out on a road trip. Read along as Abney Insurance, serving the greater Winter Garden, FL area, provides tips on how to stay safe while on a road trip. 

Road Safety Tips

Have Your Car Inspected Before You Head Out on the Road

Any time you are going on a road trip, you want to have your car inspected. The tires, fluids, and belts should all be inspected to ensure your car is in safe working order. 

Create a Route Ahead of Time

Another tip to help you stay safe on the roads is to create a route before you head out on the roads. Always plan a route ahead of time so you are familiar with the route you will be traveling. Share your route with at least one person. 

Take Plenty of Breaks Along the Way

Anytime you are planning a long road trip, make sure you take plenty of breaks. You want to ensure you stop and get meals, stay hydrated, and stretch your legs. If possible, change drivers to help prevent fatigue. 

Get Plenty of Sleep

Lastly, get plenty of sleep before you head out on your road trip. Dozing off at the wheel is the cause of many accidents. Ensuring you get lots of sleep and pulling over to rest when needed can help you avoid this problem. 

Get Insurance Coverage For Your Vehicle

If an accident does happen, you want to ensure you have an auto insurance policy that fully protects you and your car. At Abney Insurance, serving the greater Winter Garden, FL region, we can help you find the best auto insurance for your needs.

Reach out to us today to learn more.