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AUTO INSURANCE
Why choose our agency?
We are Independent Agents in Miami,FL free to choose the best carrier for your insurance needs. We are not captive to one insurance company only; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. Floridian Choice Insurance Group, Inc. represents a carefully selected group of financially strong, reputable insurance companies, therefore, we are able to offer you the best coverage at the most competitive price. When one of our direct markets are not competitive we are able to access surplus lines markets with unlimited capabilities with hundreds of insurance companies.
The City Beautiful
City of Coral Gables
Coral Gables, officially the City of Coral Gables, is a city in Miami-Dade County, Florida, United States, located southwest of Downtown Miami. The United States Census Bureau estimates conducted in 2017 yielded the city had a population of 51,095. Coral Gables is home to the University of Miami.
Coral Gables was one of the first planned communities, and its planning was based on the popular early twentieth century City Beautiful Movement. It is infamous for its strict zoning regulations. The city was developed by George Merrick during the Florida land boom of the 1920s. The city's architecture is almost entirely Mediterranean Revival style, mandated in the original plan, including the Coral Gables Congregational Church, donated by Merrick. The domed Catholic Church of the Little Flower was built somewhat later, in a similar Spanish Renaissance style. By 1926, the city covered 10,000 acres (4,000 ha) and had netted $150 million in sales, with over $100 million spent on development.
Merrick meticulously designed the downtown commercial district to be only four blocks wide and more than two miles (3 km) long. The main artery bisected the business district. Merrick could boast that every business in Coral Gables was less than a two-block walk. The city used to have an electric trolley system, which was replaced by the popularity of modern automobiles, but now a new free circulator trolley system, initiated in November 2003, runs down Ponce de León Boulevard.
In 1925, roughly simultaneous to the founding of Coral Gables, the city was selected as the home to the University of Miami, which was constructed that year on 240 acres (97 ha) of land just west of U.S. Route 1, approximately two miles south of downtown Coral Gables.
During World War II many Navy pilots and mechanics were trained and housed in Coral Gables.
Today, Coral Gables is known as the Fine Dining Capital of South Florida. The city of Coral Gables has many things to be proud of, like their Class I fire department, a fully accredited police department and the top award ranking for their Building and Zoning Department.*
Auto insurance provides property, liability and medical coverage:
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Property coverage pays for damage to or theft of your car.
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Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
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Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.
What is in a basic auto policy?
Your auto policy may include six coverages. Each coverage is priced separately.
1. Bodily Injury Liability
This coverage applies to injuries you, the designated driver or policyholder cause to someone else. You and family members listed on the policy are also covered when driving someone else's car with their permission.It's very important to have enough liability insurance, because if you are involved in a serious accident, you may be sued for a large sum of money. Definitely consider buying more than the state-required minimum to protect assets such as your home and savings.
2. Medical Payments or Personal Injury Protection (PIP)
This coverage pays for the treatment of injuries to the driver and passengers of the policyholder's car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident. It may also cover funeral costs.
3. Property Damage Liability
This coverage pays for damage you (or someone driving the car with your permission) may cause to someone else's property. Usually, this means damage to someone else's car, but it also includes damage to lamp posts, telephone poles, fences, buildings or other structures your car hit.
4. Collision
This coverage pays for damage to your car resulting from a collision with another car, object or as a result of flipping over. It also covers damage caused by potholes. Collision coverage is generally sold with a deductible of $250 to $1,000-the higher your deductible, the lower your premium. Even if you are at fault for the accident, your collision coverage will reimburse you for the costs of repairing your car, minus the deductible. If you're not at fault, your insurance company may try to recover the amount they paid you from the other driver's insurance company. If they are successful, you'll also be reimbursed for the deductible.
5. Comprehensive
This coverage reimburses you for loss due to theft or damage caused by something other than a collision with another car or object, such as fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, riot, or contact with animals such as birds or deer.Comprehensive insurance is usually sold with a $100 to $300 deductible, though you may want to opt for a higher deductible as a way of lowering your premium.Comprehensive insurance will also reimburse you if your windshield is cracked or shattered. Some companies offer glass coverage with or without a deductible.States do not require that you purchase collision or comprehensive coverage, but if you have a car loan, your lender may insist you carry it until your loan is paid off.
6. Uninsured and Under insured Motorist CoverageThis coverage will reimburse you, a member of your family, or a designated driver if one of you is hit by an uninsured or hit-and-run driver.
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