As a car owner, you know that your vehicle is an investment. But it can be challenging to determine which auto insurance policy is right for you. After all, so many different policies with various coverage options are available. To ensure your car is adequately protected, you must understand what coverage you need and how much it will cost. Here are some of the options Karla Salmon Insurance can offer for Oviedo, FL residents.

Liability Coverage 

All states require drivers to have liability coverage, which protects other people if they are responsible for an accident. Liability coverage includes two types of coverage: bodily injury liability and property damage liability. Bodily injury covers medical expenses for people injured in an accident that was your fault. Property damage covers any repairs needed for property affected by an accident (e.g., another vehicle or a building). 

Collision Coverage

Collision coverage helps pay for repairs if you are involved in an accident with another driver or object (e.g., a tree or telephone pole). This type of coverage also pays for damages caused by flipping or rolling over your vehicle during an accident—something that’s not covered by liability coverage. 

Comprehensive Coverage

Comprehensive coverage pays for damages caused by something other than a collision, such as theft, weather-related events (e.g., hail damage), or vandalism (e.g., broken windows). This type of coverage also pays if your car is stolen or damaged while parked on the street or in a parking lot—something else not covered by liability insurance. 

Uninsured/Underinsured Motorist Coverage

Uninsured and underinsured motorist coverage protects if you’re involved in an accident with someone who does not have sufficient insurance to cover all damages incurred during the accident—or no insurance at all! This policy also covers lost wages due to accidental injuries and medical bills resulting from an uninsured driver’s negligence. 

If you’re looking for reliable auto insurance policies in Oviedo, FL, contact Karla Salmon Insurance today!

If you wear your seat belt, you may survive an auto accident without even a scratch. The same might not be said about your car. After insurance is exchanged and the police have taken reports, there’s still the genuine problem of getting a no longer viable vehicle off the street. In Florida, that can cost anywhere from $75 to $125, depending on the distance towed. If it’s only somewhere between five and ten miles, it’s $50 minimum. Who gets the bad news? 

Roadside Assistance

If you add roadside assistance coverage to your auto insurance, this may cover towing expenses. This is if your car breaks down on the road due to mechanical failure, out of gas, a nail in the tire, etc. If you need towing due to another driver’s mistake, they may have to pay for your towing through their liability insurance. Keep in mind that Florida is an At-Fault state. Also, remember to check your policy and hold on to those receipts. 

Making Roadside Assistance Work for You

You could call the tow company, pay upfront, hold onto the receipt and let your insurer reimburse you later. Or you could call your insurer and let them make the towing arrangements for you. Remember, there may be a limit to your insurer’s willingness to pay. If your problem is a dead battery or being out of gas, your insurer may make arrangements for you to get what you need to have your car moving on its own again rather than call the tow truck. If you have an electric vehicle, the roadside assistance coverage may cover a tow to a charging station. Please read the whole thing to find out what you can get before you need it. 

Karla Salmon Insurance Serving Oviedo, FL 

If you feel like you need your insurance policy explained, Karla Salmon Insurance will help you understand everything clearly. 

You have probably invested in car insurance because it’s mandatory. For instance, Florida requires all motorists to invest in property damage liability and personal injury protection. But should you invest in car insurance because your state requires it? Karla Salmon Insurance in Oviedo, FL differs. Car insurance is more than just compliance. Here are the reasons.

State-required car insurance isn’t adequate.

Your mandatory car insurance is just a minimum. For instance, Florida only requires $10,000 each for PIP and property liability insurance. When faced with significant accidents, these amounts can only go far in protecting you.

We often advise our clients to increase the limits of the state minimums. For example, we advise clients to consider combined property damage and bodily injury liability coverage of above $300,000. If you need higher liability coverage, we recommend investing in umbrella insurance.

Similarly, a requirement of $10,000 for PIP is just too low, given the high cost of healthcare in the US. We usually advise you on the appropriate PIP amount after evaluating your health insurance coverage. We can advise you on balancing the two policies for optimal benefits.

Basic insurance doesn’t cover you.

In most cases, mandatory car insurance only protects third parties but not you and your vehicle. Considering that, it’s advisable to opt for optional car insurance policies. If you want to protect your vehicle from risks like fire and collisions, invest in comprehensive and collision policies. These insurance policies repair or replace your car when lost or damaged by a covered peril.

Car insurance in Florida

There are enough reasons to purchase more than the state-required car insurance. All-rounded car insurance gives you optimal protection and peace of mind throughout your car ownership. Want to buy car insurance in Oviedo, FL? Please get in touch with Karla Salmon Insurance for affordable car insurance.

The first thing that comes to mind when you think of Florida is probably the beaches, the theme parks, and all of the nightlife. However, looking closely, you’ll also find other hidden gems. At Karla Salmon Insurance, we are proud to serve the Oviedo, FL, area, so we’ve put together this list of scenic drives that showcase the best our region has to offer!

The Florida Black Bear Scenic Byway

This 123-mile drive takes you through the heart of Ocala National Forest, where the black bear population is at its most robust. And there is much more to see as you traverse the Big Scrub ecosystem! Stop along the way to explore some of the state’s prettiest lakes, like Lake George or Lake Kerr.

Green Mountain Scenic Byway

A cyclist’s dream, this byway is an exciting route of winding curves and rolling hills along the west side of Lake Apopka. Start at Mount Dora and enjoy the many recreational areas and wildlife watching spots along the way south to Winter Garden. These lovely towns both enjoy putting on shows, festivals, and more, so there’s always a reason to explore.

Indian River Lagoon National Scenic Byway

This drive takes you along the Indian River Lagoon, one of the state’s most impressive and unique natural refuges. This barrier island system is protected from development and is a beautiful home for dozens of Florida’s endangered species. The closeness to the Kennedy Space Center makes this a perfect educational day trip!

Conclusion

There is no denying that driving around Florida is an incredible experience. There are many more scenic byways than we could hope to fit here. If you’re an Oviedo, FL driver, ensure you have the right car insurance. Reach out to Karla Salmon Insurance today!