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 Bauknight Insurance's 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 leading insurance
carriers serving Florida and two convenient locations to better serve you.
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 Estates, 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.
If you have an older car, you can lower your Florida auto insurance premium by
reducing or dropping your collision or comprehensive coverages. Cars being sold
today are much more costly to repair, just ask your auto mechanic the next time
you see him. If you damage your older car in a car accident, it's likely that your
repair costs will be lower than those for a newer car with similar damage. The
amount of Florida auto insurance premium that goes toward that coverage option
is only slightly reduced for older cars than for newer ones. You can usually save
some premium by taking on a small amount of risk.
Lower Auto Insurance Premium - Increase Your Deductibles
Auto insurance premiums are based on the amount of coverage you have, and
the deductible you must pay before an insurance claim is paid. Auto insurance
deductibles usually range between $100 and $1,000. A lower deductible raises
the premium amount, and a higher deductible will lower your monthly Florida
auto insurance premium.

You should consider setting your deductible at an amount that you are
comfortable with. Determine the amount that you could afford to spend on your
car in any given month if you had an accident. The amount that won't prevent
you from paying all your bills is a good amount for an auto insurance deductible.

Remember though, if you have a car accident, the deductible you've chosen
must be paid before the insurance company will pay for your repairs, and there
can be hidden costs in a car accident. For example, your Florida auto
insurance policy may not pay the cost of a rental car while your car is being
repaired.
Low-Mileage Discounts
The more miles you drive, the greater the chances of being involved in an
accident. Most auto insurance companies offer discounts to drivers who
keep the number of miles they drive each year under 10,000 to 12,000 miles.
Moving Violations
Most automobile insurance companies provide discounts to drivers who have
not had a moving violation in the past 3 years. Insurance companies consider
speeding tickets and accidents the most serious moving violations which have
an impact on your Florida auto insurance premiums.

Review your driving record prior to shopping for Florida auto insurance. You
may want to consider holding off on buying new auto insurance if you have a
moving violation which can be removed from your records within a short period
of time.
Reduce Auto Insurance Premium - Fewer Accidents
Auto insurance companies want to insure the best drivers. Safer drivers have
fewer accidents, fewer speeding tickets, and make fewer claims. Every time
you are involved in an auto accident or a moving violation, the state where you
are licensed assesses points to your driving record. Auto insurance
companies limit their risk exposure by charging higher premiums to drivers
who have more points on their driving records. Convictions of driving under
the influence of drugs or alcohol is often viewed as much more serious than a
speeding ticket or a car accident by insurance carriers.

If you think that you apply for good driver rates, be sure to ask companies
when you are shopping for auto insurance what their "good driver" discounts
are. Compare that price to the good driver rates of other companies, to help
determine what the best Florida auto insurance policy is for you and your
family.
Reduce Auto Insurance Premium - Anti-Lock Brakes
Anti-lock braking systems help prevent car accidents by shortening stopping
distances on wet and dry surfaces. Most car brakes without anti-locking
mechanisms will lock if the driver slams the brake pedal, which can cause
hydroplaning in wet conditions or skidding on dry surfaces. The proper way to
avoid this is to pump the brakes. People are limited in the speed with which
they can pump a brake pedal, so anti-lock brakes do the pumping for you and
improve safety.

Auto insurance companies want to reduce the chance that their policy holders
will have a car accident. The auto insurance discounts offered are another
incentive to buy cars equipped with anti-locking brakes.
Multiple Insurance Policy Discount
Many auto insurance companies will offer lower premiums if you have
multiple insurance policies with the same company, or multiple vehicles
insured under the same policy. This works differently depending on which
specific insurance company you are dealing with.

Insurance companies will offer discounts if you purchase a homeowners
insurance policy or an umbrella insurance policy to go along with your
Florida auto insurance policy.
Click on the link below to fill out a secure quote request form for a Florid 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.
Honesty Is The Best Policy
This holds true for providing accurate information to your Florida auto insurance carrier. Don't
think that little white lie won't come back to harm you with a denied claim, a canceled policy or
legal troubles.
Most Florida auto insurance policies allow for cancellation or non-renewal if you intentionally fail
to disclose information necessary to correctly underwrite and rate an auto insurance application.
You can find that information typically in the policy info mailed to you that you probably don't read
completely.
A few most often falsehoods given by people to reduce their auto insurance rates, enhance their
medical claim, or are told to insurance agents after an accident.
I only drive a couple of miles to and from work.
Your claim can be denied if the insurance company determines that you drive a significantly
longer commute for work each weekday than what they were told. This could make you
responsible for all damages in an auto accident.
I'm the only one that drives my car regularly.
If a person not listed on your Florida auto insurance policy drives your car on a regular basis
and gets into an accident, your rates can go up. Depending on the circumstances of that
accident, this falsehood can make it appropriate for the insurance carrier to not pay your auto
insurance claim. Also, auto insurance coverage rates are based on where you live and park the
car or truck being insured. Inaccurate information given to the insurance carrier to get cheaper
rates can get your Florida auto insurance policy cancelled.
I put on my turn signal before I changed lanes.
I wasn't speeding. / I stopped completely at the stop sign.
Witnesses to your car accident who give a different story of the events than you can lead your
insurance carrier to partially or completely charge you with fault for the accident. Honesty is the
best policy!
I need massage therapy for injuries related to my accident.
If a massage therapist isn't clearly related to your auto insurance claim, your medical expense
can be denied and can prompt a fraud investigation. Insurance carriers have medical experts
that do nothing else but varify or not varify such medical claims.

Other falsehoods such as attempting to pass off old damage as new damage or failing to
mention the use of your car for business purposes, can lead an insurance company to
rejecting your claim and cancelling your Florida auto insurance policy.
Someone Borrowed My Car and Got in an Accident

Do my auto insurance rates increase because someone else driving my car got in an accident?

Most insurance companies will increase your premium for auto insurance after such an event
because you have set a higher risk in place and the insurance company must be compensated for
that. Consider the risk the next time you think about loaning your car out. Try limiting loaning your
car out to a responsible driver with a good driving record that you always feel comfortable riding
with.

Will my premiums increase because someone else driving my car got a ticket?

No. Driving violations that result in a ticket received by the driver will not affect the vehicle's auto
insurance policy. Traffic violations go onto the driver's license of the driver.
Auto Insurance for a New Vehicle

Too many people believe that their existing auto insurance policy provides them with automatic
coverage for a 30-day period for any new vehicle they buy. They also often believe that
coverage applies to any car purchased by any person insured under the policy. It depends on
your auto insurance policy, but both beliefs are often incorrect. You should carefully read your
policy or speak with your insurance agent about what your responsibilities are and what the
insurance companies are when you purchase a new car as a replacement or add a car.

Without being informed by you, the insurance company typically gives additional cars the same
amount of coverage as your car with the most coverage while a replacement car typically, but
not always, has the same coverage as the car it replaced.
Rental Car Insurance Knowledge

Rental car agencies usually offer their customers collision damage waivers and liability
policies options. The collision damage waiver is not insurance. It's an agreement that the
rental car company will not, with some exceptions, try to make you pay for any damage to a
car you rent.

If you rent cars often and that expense and responsibility are yours and not your employer, a
thorough review of what coverage your Florida auto insurance policy offers for car rental is
very important.

If you don't own a car, but borrow or rent cars often, you can purchase a non-owner liability
policy. A non-owner insurance policy pays for damages and injuries you cause when driving a
rented or borrowed car, but it does not pay for your injuries or damage to the car you are
driving.
Steps to Take After an Auto Accident (at the scene)

Try to move your car immediately after being involved in an accident, so it's not blocking
traffic. Call the local police immediately if someone was hurt in the accident, if the car can't be
moved, or if your accident involved a hit-and-run driver. The uninsured motorist coverage part
of your auto insurance usually only pays for a hit-and-run auto accident if you report it to
police.

Get the following information from the other driver:
name
address
telephone number
license plate number
driver license number
auto insurance policy number
insurance company name
auto insurance policy number

Also get the names, addresses, and telephone numbers of any witnesses to your auto
accident.
Steps to Take After an Auto Accident (later at home)

Notify your insurance company as soon as possible after your accident to report your claim.
You can call your insurance agent, if you prefer. They will assist you with the claim. You will
provide the information you got at the scene of your accident to your insurance agent or
insurance company.

If you reported your auto insurance claim by phone, follow up in writing. This will protect your
rights under prompt payment of claims laws.

Send the insurance company copies of the accident report and any legal papers you receive
about the accident from any source, whether you receive them by mail or email.

You might be required to submit a proof-of-loss form or have a medical examination and
cooperate with the insurance company's investigation of your accident.

You are entitled to a copy of the police accident report. If the other driver refused to provide
the name of their insurance company, the police accident report might list that information.

If no law enforcement officer investigated the crash, you are required to submit a crash
report to within 10 days of the auto accident if one of the following apply. If you don't file a
report, you may be subject to a $500 fine, plus be responsible for paying court costs.
The Driving Hazards of Floods and Rising Waters

Places you routinely drive can become dangerous in a rising waters or flooding conditions.
That highway overpass you drive under each day to work could quickly build up standing
water from the run-off of a seemingly brief rain or overnight storm. Remember the
following points to stay safe driving in flood prone road areas.

Water depth on a road prone for flooding is not always obvious. Don't attempt to drive
through a flooded road and risk getting stranded or trapped.

Only 6 inches of water will reach the bottom of most cars and can cause loss of control
and possible stalling.

Just 1 foot of water will float many cars and small trucks.

Only 2 feet of rushing water can carry away most vehicles including SUV's and pick-up
trucks.

Barricades are used for good reasons in times of flooding concerns. Do not try to take short
cuts around them. Turn around and go the other direction.

In the event of major flooding or tropical storm warnings always follow the designated
evacuation routes.

As with all night driving, recognizing flood dangers can be more difficult, so observe extra
caution.
Auto Insurance - Children Not Living With You or Away at School

You will most likely need to prove to your insurance company that your children no longer
live with you when it's time to remove them from your auto insurance policy. It can be
accomplished with a lease agreement, electricity bill, or new drivers license as proof of
a new address.

If you have children living in another city and going to school, tell your insurance company.
They may need to adjust your auto insurance premium rate, because where a car is
located is crucial for determining an auto insurance policy cost. If the school is located in
another state, check that states laws to assure you have proper insurance coverage.

It's risky and probably not a good idea to remove children from your auto insurance policy
if they are living in another city and going to school. Insurance companies usually require
you to maintain students on your auto insurance policy because of trips driving home and
other factors.

Ask for a discount on your Florida auto insurnance if your child is without a car while
attending school elsewhere. This lessens the insurance burden and a small discount may
be acquired.
What Factors Determine Florida Auto Insurance Premium

The factors an insurance company will use to set premiums include the following:

Your driving record and insurance claims history. A good driving record will reduce your
premium. Insurance companies will charge you more if you have auto accidents or tickets
on your driving record. An insurance company also may charge more for your premium for
three years if you driving violations or accidents that damaged property.

Drivers over 50 may receive discounts, while men under 25 and unmarried women under
21 have the highest premium rates. Therefore, age matters in determining auto insurance
premium.

Understandably, the more expensive the car, the more it will cost to insure. Luxury cars,
sports cars, and other high performance autos will require you pay more for both
comprehensive and collision auto insurance coverage.

Your credit score. An insurance company will often use your credit scores to decide if they
want to sell you an auto insurance policy and at what cost. It's important to know that an
insurance company can't refuse to sell you a policy or cancel or non-renew your auto
insurance policy based solely on your credit scores.

Auto insurance premiums are naturally lower for people that don't drive much, while higher
for people that drive their car for business or have commutes to work in larger cities.

Where you keep your car. Rates are typically higher for people who live in cities because
they have more accidents and auto thefts than people who live in more rural areas. Also, is
your car kept in a garage typically or in a parking lot of an apartment complex.
High Risk Drivers and Higher Auto Insurance Costs

If you have tickets or accidents on your driving record, you will likely be classified as a high
risk driver and be required to pay more for auto insurance. Below is a list of offenses that
can carry premium surcharges of up to 60% by an auto insurance company.

driving without a license or with a suspended license
accidents (premium surcharges increase based on how many accidents)
tickets for moving violations (speeding, etc.)
driving under the influence (alcohol or drugs)
criminally negligent driving

Some premium surcharges are mandatory and will apply to your auto insurance coverage
for three years.
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Serving Pasco & Hernando Counties Since 1975
(727) 863-5641
(727) 233-1718 fax
13041 U.S. Hwy 19
Hudson, Florida 34667
Pasco County FL
also New Port Richey
(727) 862-3287 and
Holiday (727) 863-5642

BAUKNIGHT
INSURANCE
(352) 686-0612
(352) 519-4202 fax
10488 Spring Hill Drive
Spring Hill, Florida 34608
Hernando County FL
also Brooksville
(352) 796-0007

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