Liberty Mutual Car Insurance Florida – Driving without insurance is illegal in Florida. For you, Florida residents are required to have car insurance coverage in the form of bodily injury, uninsured driving, property damage, and personal injury coverage.
For those of you who are looking for car insurance, you can see reviews about liberty mutual car insurance Florida below:
Liberty Mutual Car Insurance Florida – Liberty Mutual Car Insurance Coverage
The following is the liberty mutual car insurance Florida coverage:
- Liability auto insurance
At this point, Liberty Mutual insurance covers injuries and property damage caused by the negligence of others in a car accident.
In addition, they also cover legal costs if you are sued for a car accident.
- Coverage of uninsured and underinsured motorists
Uninsured driver coverage is to help pay for your medical eexpenses, your passengers, and your car if the driver who causes a car accident is not insured.
Furthermore, the coverage of underinsured drivers is to help pay for your medical expenses, your passengers, and your car, if the driver causes a car accident underinsured.
- Medical payments
The scope of medical payments is paying for medical expenses needed by you and passengers who are injured in a car accident, regardless of fault.
The sale of policies is usually for $ 1,000 – $ 5,000. And this coverage is not available statewide.
- Personal injury protection
The scope of this policy is to pay medical bills for you and your passengers who are injured when a car accident occurs, regardless of the cause.
In addition, this policy also pays for lost wages including reimbursement services if you are unable to perform normal household duties.
- Collision insurance
This insurance is devoted to paying for the repair of your car damaged in an accident.
- Comprehensive insurance
Liberty Mutual car insurance Florida also covers the comprehensive insurance paid to repair or replace your vehicle if it is stolen or damaged by fire, vandalism, flooding, hail, and other inclement weather, falling objects, or hitting animals.
Also read about Liberty Mutual Pet Insurance click here
Liberty Mutual Car Insurance Florida – Additional Liberty Mutual Car Insurance Options
Liberty Mutual car insurance Florida also provides additional insurance options that you can use to protect your car, including:
- Accident
Accident forgiveness can keep your premiums from going up after your first accident. Provided you don’t have an accident and don’t commit any violations in the last five years.
- Less deductible
Your auto insurance deductible is the amount deducted from your claims check when you file a comprehensive or collision insurance claim. Liberty Mutual company offers diminishing deductibles via deductible funds. The deductible allows drivers to reduce their deductible amount by $100 annually.
If you participate in a deductible fund, you will pay $30 per year, and Liberty Mutual will reduce your annual deductible by $100 in exchange. If you make a claim, your deductible is reduced by your deductible fund balance.
For example, you have a $500 deductible and have an accident after taking part in a deductible fund for three years. Your deductible is reduced to $200 because your deduction fund covers the remaining $300.
- Gap insurance
If you finance or rent your car, Liberty Mutual company will offer gap insurance. If your car is stolen, gap insurance claim will pay the difference between the value of your car and the amount of the loan or rent you accrue.
- New car replacement
Liberty Mutual offers new car replacement coverage for drivers buying a new car. If it occurred that your car is stolen in the first year you owned it or before you drive 15,000 miles, the coverage will provide fund to buy a new car of the same make and model. Without a replacement for a new car, you will be paid an amount equal to the value of the vehicle You were right before the accident, minus your deductible.
If your car is a year or older, you can purchase “better car replacement” coverage. This allowance gives you enough money to completely replace your car with one that is one model year newer and with 15,000 fewer miles driven.
- Lifetime repair warranty
Car repair from an incident or accident covered by Liberty Mutual policy is covered for as long as you own the car if you use Liberty Mutual’s repair network repair shop to service your car. Other advantages include direct payment for repairs from Liberty Mutual and the ability for you to track repair progress in the Liberty Mutual app.
- Original parts replacement
Genuine parts replacement coverage allows you to replace damaged components with genuine equipment manufacturer parts for incidents covered by your collision coverage or comprehensive coverage. If an original part is not available or is no longer being manufactured, Liberty Mutual auto insurer will pay for a comparable or reconditioned part.
- Reimbursement of car rental money
If your car is under repair due to an accident or other problem covered by your car insurance policy, the total cost of reimbursement coverage pays for your rental car.
Coverage varies by state and comes with daily limits. If you go to an authorized repair facility and have Liberty Mutual arrange for a rental vehicle, coverage will pay for it until the repairs are complete. Otherwise, you may be limited how long you can keep the rental car.
- Roadside assistance
Liberty Mutual’s optional 24-hour roadside assistance coverage can help if your car is disabled. This includes towingservice, flat tire change, emergency fuel delivery, and emergency car unlocking.
Liberty Mutual Car Insurance Florida – Liberty Mutual Mobile App
Your smartphone may have a vehicle insurance concierge thanks to the Liberty Mutual mobile app. Mobile applications may assist you around-the-clock with everything from changing your address to making a car insurance claim. Mobile app features allow you to:
- Access to car insurance ID cards
- Pay your car insurance bill
- Submitting and managing claims
- Ask for roadside assistance
You can also download the RightTrack app to be rewarded for safe driving habits.
Liberty Mutual Car Insurance Florida – Conclusion
So from the discussion about liberty mutual car insurance Florida above, it can be concluded that choosing Liberty Mutual as your car insurance is an interesting thing.
With various types of policies provided, you can choose the policy that best suits you.
In addition, the mobile app provided by Liberty Mutual can also make it easier for you to access this insurance without having to come all the way to the company’s office.
That’s information about liberty mutual car insurance Florida, I hope the information above can be your reference in choosing the car insurance that you will use.