Florida Auto Insurance
The value of good auto insurance often doesn't become apparent until you
really need it. Whether it's a minor fender bender or a more substantial
accident, it pays to have Florida auto insurance coverage you can count on.
Let one of our experienced Florida auto insurance policy specialists explain
the different Liability limits, Comprehensive, Collision, Personal Injury
Protection, Uninsured Motorist, Medical coverages, and deductibles that are
available for you to choose from. We offer affordable truck and car insurance
policies from a leader in the insurance industry.
Learn more about Florida Auto Insurance policy
coverage options below!
Click on the link below to fill out a secure quote request form for a Florida
Auto Insurance policy that will provide excellent car insurance coverage at an
affordable cost. Or you can speak with our Florida Auto Insurance specialist
at (352) 686-0612 or (727) 863-5641 to discuss the policy features.
Covers damage caused to the owners auto from a collision caused by another auto
or other object. The deductible is the amount you choose to pay upfront (if any)
before the auto insurance policy pays. The higher the deductible chosen the lower
the collision coverage cost within the Florida auto insurance policy.
We are a Florida based two location insurance agency offering affordable Florida auto
insurance policy premiums in the following cities and counties: Spring Hill, Hudson, New
Port Richey, Holiday, Brooksville, Aripeka, Bayonet Point, Port Richey, Gulf Harbors, Elfers,
Anclote, Tarpon Springs, Palm Harbor, Land O' Lakes, Masaryktown, Garden Grove Esates,
Spring Lake, Weeki Wachee, Bayport, Brooksville, Istachatta, Pineola, Nobleton, Bushnell,
Sumterville, Center Hill, Webster, Linden, Mascotte, Tarrytown, Ridge Manor, Catherine,
Trilby, Lacoochee, Dade City, Blanton, San Antonio, St. Leo, Zephyrhills, Crystal Springs,
Wesley Chapel, Pasco, Darby, Odessa, Richland, Lumberton, Homosassa Springs,
Hernando County, Pinellas County, Citrus County, Hillsborough County, and Pasco County,
FL. We can also offer our Florida auto insurance coverage services throughout the sunshine
state, including Winter Haven, Lakeland, Miami, Orlando, Tampa, St. Petersburg,
Tallahassee, Ft. Lauderdale, and Jacksonville, FL.
Underinsured Motorist Property Damage Coverage
Protects you if your auto is damaged in an accident caused by a driver who has
insufficient auto insurance coverage. This coverage pays the difference between
the coverage limit you select and the other driver's property damage coverage limit.
This is not a required auto insurance coverage in Florida.
Click on the link below to fill out a secure quote request form for a Florida Auto
Insurance policy that will provide excellent auto insurance coverage at an
affordable cost. Or you can speak with our Florida Auto Insurance agent specialist
at (352) 686-0612 or (727) 863-5641 to discuss the policy features in more detail.
Covers damage caused to the insured's auto (your automobile) from risks such
as theft, fire, falling objects, earthquake, flood, missiles, explosion, riot and civil
unrest. The deductible is the amount you choose to pay upfront (if any) before
the auto insurance policy pays. The higher the deductible chosen the lower the
comprehensive coverage cost within the Florida auto insurance policy.
Bodily Injury Liability
Injuries that you (insured) cause to someone else is covered under this part of an
auto insurance policy. This is not required in Florida unless you displayed a
financial irresponsibility following an accident. The minimum liability insurance
coverage available for purchase in Florida is 10/20 and is explained in detail below.
However, we recommend that you choose liability insurance coverage amounts
that are much higher than the Florida minimums listed below. Contact us at (352)
686-0612 or (727) 863-5641 to discuss what liability coverage amounts you require
to meet your family and personal needs.
Florida Liability Coverage limits explanation:
10/20/10 10=$10,000 - 20=$20,000 - 10=$10,000
First number = bodily injury liability maximum for one person injured in an
accident.
Second number = bodily injury liability maximum for all injuries in one
accident.
Third number = property damage liability maximum for one accident.
Property Damage Liability
Damage caused by the insured (you) to someone else's property, such as a
motorcycle, car, truck, fence, or house, is covered through property damage auto
insurance coverage. This coverage also assists in protecting you if a lawsuit arises
from an accident. The minimum coverage amount in Florida is $10,000.
Medical payments coverage pays for the medical and funeral expenses for you
or others hurt or killed in an accident while riding in or driving your car or truck.
Claims against this coverage include all reasonable hospital, surgical,
chiropractor, X-ray, dental, professional nursing, prosthetic, and funeral
expenses. It will also cover you or members of your family if you are hit by a car
when you are walking or if you are riding in another car or truck. This coverage
will pay for your medical and funeral expenses even if you cause the accident.
The coverage is often limited to medical care you get in the first one, two, or
three years after the accident and is limited to a specific dollar amount. This is
not a required Florida Auto Insurance coverage.
Florida requires a minimum of $10,000 of (PIP) or personal injury protection
coverage. This coverage pays medical bills for injuries suffered in an auto accident
regardless of who caused the accident.
Benefits Provided Include:
Pays 80% of all reasonable expenses for necessary medical, surgical, x-ray, dental
and rehabilitative services, including prosthetic devices, wheelchairs, crutches,
slings, neck braces and splints (including necessary travel related to medical care.)
Necessary remedial treatment (nursing home care or home nursing care).

Pays 60% of gross income loss caused by inability to work because of an injury
suffered in an accident.

$5,000 death benefit
Covers the insured (you) for your bodily injury caused by a hit-and-run driver or an
at-fault driver who has no auto liability insurance. This coverage is not required for
Florida Auto Insurance. Contact us to discuss what uninsured coverage amounts
you require to meet your family and personal needs.
Example of uninsured motorist limits:
25/50 25=$25,000 - 50=$50,000
First number = uninsured motorist maximum for one person injured
in an accident.
Second number = uninsured motorist maximum for all injuries in one
accident.

This coverage comes into play when an at-fault driver has auto or motorcycle
liability insurance, but the limit of insurance is inadequate to pay for your damages.
Underinsured Motorist Bodily Injury Coverage
This type of auto insurance coverage pays for your medical expenses, lost wages,
and other damages when you or your passengers are injured in an accident caused
by a driver who has insufficient auto or motorcycle insurance coverage. The auto
insurance coverage typically pays the difference between the coverage limit you
select and the other driver's bodily injury coverage limit. This is not a required
Florida auto insurance coverage.
Florida Auto Insurance FAQ
**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.
Florida Auto Insurance FAQ
Florida Auto Insurance FAQ
Florida Auto Insurance FAQ
Florida Auto Insurance FAQ
Florida Auto Insurance FAQ
Florida Auto Insurance FAQ
Having a teenager included on your auto insurance policy will always cost
substantially more, but there are ways to reduce the premium increase.
The best cars for teen drivers are slower, bigger cars with a lot of safety features.
Teenager's are more prone to accidents, especially ones caused by speeding. A
disproportionate number of teenage car accidents involve only one vehicle.
Make sure your teen drives safely. One speeding ticket or fender-bender can send
your teenager's auto insurance rates sky high. Require that they take a drivers
education class at their high school or local DMV.
Good student teen driver insurance rates can save up to 25% on your teenager's
auto insurance if a "B" average is maintained.
Assuming your teen keeps a good driving record, the cost of insuring them will
decrease as they get older.
Auto Insurance endorsements are policy extras for services such as towing insurance,
auto glass insurance, daily rental insurance, and emergency roadside insurance.
These auto insurance policies are not required by any state, but many drivers
choose these services for the added security and convenience they provide.
Florida Rental Car Insurance
Covers the cost of a rental car while your insured car is being repaired because
of a covered event.
Florida Emergency Roadside Insurance
Covers repairs done at the location of your automobile problem (roadside). This
policy is often combined with auto towing coverage and called Roadside Emergency
Towing Insurance. Changing a flat tire on the roadside may also be covered, but you
will need to pay for repairs received at the garage or other repair location.
Florida Auto Glass Insurance
Offers a lower deductible or no deductible for when repairing any broken window
on your car is required.
Florida Auto Towing Insurance
Covers costs involved for towing your car anytime you need it.
What information is listed in the actual auto insurance policy that you are given by
the insurance agent? Learn about the different important sections in every auto
insurance policy below.
Declarations
Usually listed first in your auto insurance policy and unlike the remainder of your
policy, it will have been prepared especially for you. It will list the specific auto
insurance coverages and amounts that you've chosen.
year, make,and model of your car
VIN - vehicle identification number
date the policy is effective
policy's coverage types and limits
policy's cost - premium
name of the insured (you or you and your spouse)
Insuring Agreement
Lists exactly what the insurance company promises to provide in return for the
payment of your auto insurance premium. The type and amounts of each coverage
you've purchased is described in detail and also outlines exactly who is covered
under each provision.
Exclusions
The insurance policy exclusions section is a list of all possible circumstances that
would free the insurance company from the responsibility of paying a claim.
Example: most auto insurance contain an exclusion that exempts the
insurance company from having to pay in the case of intentionally caused
damage or injury.
Conditions
Lists the duties and responsibilities of the insured (You) in the event of a claim
situation. Will include guidelines for contacting the insurance company, obtaining
a police report, and filing a claim. Information on auto insurance policy
cancellation will be outlined here, too.
Click on the link below to fill out a secure quote request form for a Florida Auto
Insurance policy that will provide excellent auto insurance coverage at an
affordable cost. Or you can speak with our Florida Auto Insurance agent
specialist at (352) 686-0612 or (727) 863-5641 to discuss the policy features in
more detail.
Florida Auto Insurance
Auto
Insurance
Serving Florida's Pasco and
Hernando Counties Since 1975!
Florida Auto Insurance
BAUKNIGHT
INSURANCE
Bauknight Insurance
10488 Spring Hill Drive
Spring Hill, Florida 34608
Hernando County FL
(352) 686-0612
Brooksville (352) 796-0007
Fax: (352) 686-2699

Bauknight Insurance
13041 U.S. Hwy 19
Hudson, Florida 34667
Pasco County FL
(727) 863-5641
New Port Richey (727) 862-3287
Holiday (727) 863-5642
Fax: (727) 863-0637

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