HAZARD INSURANCE SERVING MIAMI, HOMESTEAD, FLORIDA KEY, FT LAUDERDALE, FL - AUTO, HOME, COMMERCIAL, BOAT, RV, MOTORCYCLE

	COVERAGES: Auto Boat Bonds Commercial Dwelling Directors & Officers Dwelling Errors & Omissions General Liability Home Jewelry Floaters Motorcycle Personal Umbrella Recreational Vehicles Workers Comp       AUTO QUOTE REQUEST         * First Name   * Last Name   * Email Address * Phone Number   Address   City   State   Florida   FLORIDA ONLY Zip     DRIVER #1 First Name   Last Name   DOB   Driver License #   DRIVER #2 First Name   Last Name   DOB   Driver License #   If none, leave blank DRIVER #3 First Name   Last Name   DOB   Driver License #   If none, leave blank   VEHICLE #1 Year   Make   Model   Use   Pick OnePleasureCommute Less than 10 miles one wayCommute 10 Thru 20 miles one wayCommute More than 20 miles one wayBusiness Other than Collision   Pick OneNone250 Ded.500 Ded.1,000 Ded     This coverage pays for losses from incidents other than a collision, such as fire, theft, windstorm, vandalism or flood. It also covers damages caused by falling objects or hitting an animal.   Collision   Pick OneNone250 Ded.500 Ded.1,000 Ded.     This coverage pays for repair or replacement of your vehicle if it collides with another vehicle, flips over or crashes into an object, regardless of who causes the accident. It does not cover injuries to people or damage to property other than your covered automobile.   Towing   Rental   VEHICLE #2 Year   Make   Model   Use   Pick OnePleasureCommute Less than 10 miles one wayCommute 10 Thru 20 miles one wayCommute More than 20 miles one wayBusiness Other than collision   Pick OneNone250 Ded.500 Ded.1,000 Ded collision   Pick OneNone250 Ded.500 Ded.1,000 Ded. Towing   Rental     COVERAGE - Liability   Pick One10,000 Property Damage Only10,000/ 20,000/10,00010,000/20,000/25,00025,000/50,000/25,00050,000/100,000/50,000100,000/300,000/50,000300,000 CSL500,000 CSLOther Medical Payments   Pick OneNone1,0003,0005,00010,000     This coverage pays for medical expenses for accidental injury up to the limit of your policy. It covers your medical expenses, plus those of your family members or passengers, regardless of fault (unlike bodily injury liability insurance).   Uninsured Motorist   Pick OneNoneYes- Same Limit as Liabilty     This coverage pays for bodily injuries to you, your family members and any other person occupying your covered automobile, should they be caused by the negligence of an uninsured or underinsured motorist. The following are examples in which UM coverage may apply: 1.) If the at-fault party has no liability insurance, 2.) If the at-fault party has inadequate liability coverage or 3.) If injuries result from a hit-and-run vehicle.  UM pays for medical expenses and lost wages that you and your passengers may incur (after your PIP coverage is exhausted). This coverage also includes payment for pain and suffering if you have a permanent injury or death.   Discounts   Home Owner   Presently Insured   Safety Course   Airbags   Alarm   Safe Driver   Additional Comments               Auto Insurance When it comes to auto insurance, you want to be adequately covered if you get in an accident, but you don't want to pay any more than you have to. So how can you navigate your way through this murky subject? Keep telling yourself there is money to be saved. How much? Hundreds, even thousands, per year. For example, one of our customers typed all of his insurance information into a comparative insurance service. The quotes (for very basic coverage on two old cars) ranged from $1,006 to $1,807 - a difference of $801 a year. If you're currently dumping thousands into your insurance company's coffers because of a couple of tickets, an accident or a questionable credit rating, shopping with Hazard Insurance against others may be well worth the effort. Look at it this way - you can convert the money you save into the purchase of something you've desired for a long time. Hold that goal in your mind. How Much Coverage Do You Need? To find the right auto insurance, start by figuring out the amount of coverage you need. This varies from state to state. So take a moment to find out what coverage is required where you live. Now that you know what is required, you can decide what you need in addition. Some people are quite cautious. They base their lives on worst-case scenarios. Insurance companies love these people. That's because insurance companies know what your chances are of being in an accident, and how likely it is for your car to be damaged or stolen. The information the insurance company has collected over previous decades is crunched into "actuarial tables" that give insurance adjustors a quick look at the probability of just about any occurrence. So how much insurance should you buy beyond your state's minimum? Experts recommend that if you have a lot of assets you should get enough liability coverage to protect them. For instance, if you purchase $50,000 of bodily injury liability coverage but have $100,000 in assets, attorneys could go after your treasures in the event of an accident in which you're at fault and the other party's medical bills exceed $50,000. General recommendations for liability limits are $50,000 bodily injury liability for one person injured in an accident, $100,000 for all people injured in an accident and $25,000 property damage liability (that is, 50/100/25) given that half of the cars on the road are worth more than $20,000. Here again, though, let your financial situation be your guide. If you have no assets, don't buy excess coverage. Another issue to consider is that the limits of any uninsured and/or underinsured motorist coverage that you purchase cannot exceed the limits of your liability coverage. Such coverage can be valuable, as it will cover lost income if you're out of work for several months after being injured in a major accident. Your driving habits may also be a consideration. If your past is filled with crumpled fenders, if you have a lead foot or a long commute on a treacherous winding road, then you should get more comprehensive coverage. Keep in mind that you don't have to buy collision and comprehensive coverage. If your vehicle is older, if you have a good driving record and if there is a low likelihood that it would be totaled in an accident, but a high likelihood of it being stolen, you could buy comprehensive but not collision. AUTO INSURANCE AFFILIATES:   Welcome | Auto | Home | Commercial | News | Quotes | Links | Contact Us  info@hazardinsure.com HAZARD INSURANCE 305-247-4004 / 877-829-0222   HAZARD INSURANCE SERVING MIAMI, HOMESTEAD, FLORIDA KEY, FT LAUDERDALE, FL - AUTO, HOME, COMMERCIAL, BOAT, RV, MOTORCYCLE © 2010 Hazard Insurance,Inc. site by klfsystems.com