Full Coverage Auto Insurance in Boynton Beach, FL

What is “Full Coverage” Auto Insurance?

Full Coverage Auto Insurance in Boynton Beach, FLFull coverage has different meanings to different people. When most people refer to full coverage they’re referring to a mix of insurance coverages to protect their vehicle.  That being said, there is no such thing as “full coverage” just a combination of coverage options that will protect your vehicle as well as others on the road. Let’s look at this closer.

Some coverages such as Bodily Injury and Property Damage (also known as liability insurance) are required by law.  You can choose just how much liability insurance to carry, but at a minimum, this is required by your state law in order to drive your vehicle.

Other coverages such as Collision, Comprehensive, Personal Injury (PIP), MedPay, Roadside Assistance, Rental Reimbursement, and Uninsured/Underinsured Motorist (UM/UIM) are optional coverages in most states. Some states do have laws that also require UM/UIM and PIP/MedPay be purchased.

So, the choice really becomes, “How much insurance do you want?” Deciding on how much insurance you want or need is a combination of factors that only you can decide. A licensed insurance agent can help you decide on what options may be best for your situation, your budget and your needs, but ultimately, the choice is yours to decide.

Contact Leslie Kay’s Insurance for an auto insurance quote or a review of your current policy. We strive to make sure all of our clients have the proper coverage for their needs.

Understand The Risks of Syncing Your Phone With a Rental Vehicle

BE AN INFORMED CONSUMER: During the holiday season many of us rely on rental cars to reach our destinations. With today’s technology making hands free calls, streaming music, and access to the internet so easy, it might be tempting to sync your phone with your rental car. Not so fast, the stored information on your mobile device can put you at risk for having your personal information stolen. It is possible for an unauthorized person to gain access to things such as your home address, contacts, and messages. Your name and navigation history is valuable personal information. Combine this with some open source intelligence, such as social media profiles, and it’s easy to track down an individual. If you use GPS in a rental to get home or to a loved one’s house a robber could find the address and even reveal your identity with this information. Lots of information can be saved when you connect to a car:

*GPS history

*Device Name

*Address Book

*In-Car internet search history

*Call Log and Text messaging

If you choose to sync your mobile device to a rental car protect yourself and take a few minutes to delete your data before returning the car. Go to the system settings or Bluetooth set up and delete your device from the paired phone list. Currently there are no government standards for infotainment systems and major car rental companies have no sensitive information policies in place. The threat may seem remote now but it’s better to be safe than sorry. So the next time you rent a car think twice before you sync your mobile device with the rental.

Uninsured motorist coverage in Boynton Beach, FL

I Got Hit By Someone Who Doesn’t Have Insurance – Now What?

Uninsured motorist coverage in Boynton Beach, FLAccording to a recent study by the National Association of Insurance Commissioners, approximately one out of every 8 drivers in the United States are uninsured. That’s a staggering figure when you think about your chances of being struck by one.  So, what can you do to protect yourself from an uninsured driver?

The good news is there is a line of insurance coverage for your auto insurance specifically for uninsured motorists, called (you guessed it) Uninsured Motorist Property Damage & Uninsured Motorist Bodily Injury coverage. This is an optional coverage that is available to most drivers. Let’s take a closer look at these coverages and see how they work.

Uninsured Motorist Property Damage

Uninsured Motorist Property Damage (commonly referred to as UMPD) pays for losses incurred to your vehicle when it is hit by an uninsured motorist. This coverage may also pay for damages associated with a hit and run driver.

Uninsured Motorist Bodily Injury

Uninsured Motorist Bodily Injury (commonly referred to as UMBI or UM) pays for your medical expenses when involved in an accident with an uninsured driver. UMBI may also cover your passengers who are in your vehicle during a covered loss.

Underinsured Motorist (UIM)

Underinsured Motorist Coverage pays for injuries such as medical expenses, lost wages and settlements from a driver who is at-fault and does not carry enough insurance to cover your losses.

You should also carefully deliberate the amount of insurance coverage that you need. Available options, limits and coverages vary by state. Each state has different requirements and laws when it comes to uninsured motorist insurance. Be sure to ask an agent in our office about these coverages if you’d like them. Contact us.