1639 Cape Coral Pkwy E, Suite 203 Cape Coral, FL 33904

 

Phone: (239)549-5420
Fax: (239)549-7905
Email: dave@integratedinsfl.com

 
 
 
 
 
 

 



 

Auto Insurance

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The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with us to determine the best coverage for you.

COVERAGES OFFERED:

A liability-only policy includes Bodily Injury, Property Damage, and Personal Injury Protection coverage’s. A liability and physical damage policy includes these coverage’s along with Collision and Comprehensive.

Collision and Comprehensive coverage’s are required if your vehicle is financed or leased and are subject to a deductible. We can provide coverage up to a maximum vehicle value of $70,000. We offer several deductible options.

Bodily Injury liability coverage protects you if you are involved in an accident and you cause bodily injury to others. This coverage also provides you with a defense if you are sued by another person for covered damages. We can provide you with the state minimum limits of $10,000 per person and $20,000 per accident. In addition, we offer Bodily Injury liability limits up to $250,000 per person and $500,000 per accident.

Property Damage liability coverage protects you if you are involved in an accident and you cause damage to another person's property. We can provide you with the state minimum limits of $10,000. We offer Property Damage liability limits up to $50,000.

Personal Injury Protection liability coverage provides coverage for your own injuries without regard to fault. We can provide you with the state minimum limits of $10,000.

Collision coverage pays for damages to your vehicle when damaged by collision with another vehicle or object regardless of fault.

Comprehensive coverage pays for damages to your vehicle when damaged as a result of causes other than collision such as vandalism, theft, wind, hail, and water.

Uninsured/Underinsured Motorist Coverage (UM) is elective coverage that allows the victim of an auto-accident to receive compensation, if they are injured by an uninsured vehicle that caused the accident through automobile negligence. Coverage is offered similar to Bodily-Injury Coverage, in a limit per person and per accident. For instance a $10,000/$20,000 UM policy means that the UM carrier will compensate injured persons up to $10,000 per person or $20,000 per accident for all injured parties involved. You can choose Non-Stacked or Stacked UM.

ADDITIONAL OPTIONAL COVERAGES

  • Medical Payments Coverage
  • Towing and Rental Reimbursement Program

Refer to the policy itself for legal descriptions of the coverages offered by the company. State regulations and the policy provisions determine actual coverage levels and limitations. All applications are subject to underwriting rules and restrictions.

DISCOUNTS AVAILABLE

Vehicle Equipment

  • Anti-theft Device
  • Air Bag
  • Anti-lock Braking System

Driver Characteristics

  • Proof of Prior Insurance
  • Prior Coverage Limits
  • Homeownership
  • Financial Responsibility
  • Mature Driver Course Completion
  • Insuring 2 or more Autos
 

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