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Auto Insurance Agency Fort Myers

Auto Insurance Fort Myers

As a member of State Insurance Group, Bassine Insurance Agency has partnered with some of the largest, most respected auto insurance carriers in the Industry to provide coverage for cars, motorcycles, motor homes, and recreational vehicles. Through these relationships, Bassine Insurance Agency is able to provide the best combination of price and coverage for all types of customers. Each person’s need for auto insurance in Fort Myers are unique to their situation. We’re happy to meet with you and take the time to make sure you are getting the right coverage and protection from our auto insurance agency in Fort Myers.

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Coverages

Protects you in the event that you unintentionally cause injuries to other drivers or damage to other vehicles or property.

Can provide coverage for medical costs, pain and suffering for bodily injury to you and others in your vehicle, if injury is caused by a driver with no coverage or not enough coverage.

Required coverage under Florida’s No-Fault Law. Provides a percentage of first dollar medical expenses to you regardless of fault in the accident.

May pay certain medical expenses for injuries sustained while occupying your car, regardless of who is at fault.

May pay for damage to your car, less any deductible, caused by things other than collision or upset. (fire, theft, glass breakage, for example)

May pay for damage to your car, less any deductible, caused by a collision with another object.

This type of coverage provides limited reimbursement for a rental car used while your car is being repaired for a covered claim.

If you’re looking for auto insurance in Fort Myers, you’ve come to the right place

We have a variety of coverages to look after all of your needs. Our team of professional insurance brokers in Fort Myers has the experience you want to get quotes that make sense for any budget.

Bassine is the auto insurance agency in Fort Myers with a straightforward claims process. See the easy to understand information on that page to get started. We’re the auto insurance company in Fort Myers that would love to have you drop by our offices to get a quote. You can call or fax us too.

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Fort Myers Auto Insurance FAQs

Auto insurance should be compared as a package of liability, injury, vehicle and optional protections rather than as one monthly number. Florida’s minimum requirements are only the legal starting point for many drivers, and a lender or lease company can require additional physical-damage coverage. A useful quote includes every household driver, each vehicle, how the vehicles are used, the garaging address and the correct prior-insurance information. Our Southwest Florida insurance inquiry research helps show where auto questions fit within broader local demand. We can help you compare the available limits and deductibles before you select a policy. Bring the current declarations page when you have one.

For most registered four-wheeled vehicles, Florida requires at least $10,000 of Personal Injury Protection and $10,000 of Property Damage Liability, subject to the state’s rules and any additional financial-responsibility requirements that apply. Those minimums don’t pay for every possible loss, and lenders or lessors usually require comprehensive and collision coverage. Confirm current requirements with Florida Highway Safety and Motor Vehicles and review limits beyond the minimum.

Bodily injury liability can help protect you when you are legally responsible for injuries to another person, even when it isn’t part of the basic PIP and property-damage minimum for every driver. The appropriate limit depends on your risk and financial situation. Ask how bodily injury liability works with uninsured or underinsured motorist coverage and any umbrella policy. Choosing only the lowest legal limit can leave a large difference between the policy and a serious claim.

Provide each driver’s name, date of birth, license information and driving history, plus each vehicle’s year, make, model, VIN, garaging address, mileage and use. Include the current declarations page and tell the agent about teen drivers, business use, rideshare or delivery activity, custom equipment and financing. Accurate household and vehicle information matters because undisclosed drivers or uses can create underwriting and claim problems later.

Collision generally applies to covered damage from impact with another vehicle or object, subject to the deductible. Comprehensive generally addresses covered losses such as theft, vandalism, fire, falling objects, glass damage and certain weather or animal-related events, also subject to the policy and deductible. These coverages protect the insured vehicle; liability coverage serves a different purpose. Compare both deductibles and the vehicle’s value before deciding what to carry.

Not always. Rental reimbursement, towing, roadside assistance, gap-related protection and custom-equipment coverage are commonly optional or subject to specific limits. Ask what event triggers the benefit, how much is available and for how long. Rental reimbursement after a covered loss is different from liability coverage when you rent a vehicle for travel. Review the exact proposal rather than assuming a familiar coverage name works the same with every carrier.

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