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Auto, Home & Personal Insurance

Auto Insurance

Home Owners | Renters

Motorcycle | RV | Jetski

Personal Umbrella

Personal Injury Protection (PIP) Coverage

PIP is a coverage in which the auto insurance company pays, within the specified limits, the medical, hospital and funeral expenses of the insured person, people in the insured vehicle and pedestrians struck by the insured vehicle. PIP is the basic coverage implemented in no-fault automobile insurance states.

Deductible

A deductible is the amount you agree to pay out of pocket for damage resulting from a specific loss or accident. Generally, choosing a higher deductible will lower your premium.

 Bodily Injury Liability Coverage (BI)

If an insured person is legally liable for an accident, BI coverage pays for injuries/death to people involved in the accident other than the insured driver. BI also pays for legal defense costs if you are sued. Certain exclusions may apply. Refer to your policy.

Property Damage Liability Coverage (PD)

If an insured person is legally liable for an accident, PD coverage pays for damage to others' property resulting from the accident. PD also pays for legal defense costs if you are sued. Certain exclusions may apply. Refer to your policy.

Medical Payments (MedPay) Coverage

MedPay is an optional insurance coverage that pays for reasonable and necessary medical and funeral expenses for covered persons. These expenses must be incurred as a result of an auto accident.

Uninsured Motorist Coverage (UM)

 

If a driver or owner of a vehicle does not have insurance and is legally liable for an accident, you can use UM coverage for injuries, including death, that you, your resident relatives, and occupants of your insured vehicle sustain, up to the limits you select. Certain exclusions may apply. Refer to your policy.

 

Underinsured Motorist Coverage (UIM)

 

If a driver or owner of a vehicle is legally liable for an accident but does not have enough insurance, you can use UIM coverage for injuries, including death, that you, your resident relatives, and occupants of your insured vehicle sustain, up to the limits you select. Certain exclusions may apply. Refer to your policy.

 

Uninsured/Underinsured Motorist Property Damage Coverage (UMPD)

 

If driver or owner of a vehicle is legally liable for an accident but does not have insurance or does not have enough insurance, you can use UMPD to cover damage to your insured vehicle, up to the limits you select. In some states, UMPD is available as an alternative to Collision coverage. Certain exclusions may apply. Refer to your policy.

Physical damage

Covers damage to your car. A few of the different physical damage options are Collision and Comprehensive

Collision Coverage

When your insured vehicle overturns or collides with another object, Collision coverage pays for the damage to your vehicle. Collision coverage also may extend to a non-owned vehicle or one rented for personal use that is in your custody or that you are operating. Certain exclusions may apply. Refer to your policy.

Comprehensive Coverage

If your insured vehicle is damaged due to an event other than a collision, Comprehensive coverage will pay for the damage. This includes damages from fire, theft, windstorm, flood and vandalism. If your vehicle is stolen, Comprehensive covers transportation and loss of use expenses when applicable.

Homeowners Insurance

Whether your home is a permanent structure or a mobile home America Tax & Insurance purpose is to provide low rates for home owners of all types, even condo insurance. Regardless of the property location, we have a policy that is built around you. It’s our mission to seek the best possible coverage’s for our clients.

Renters Insurance

Coverage for your personal belongings has never been so easy! With America Tax & Insurance we can protect you in unforeseen situations. Renters insurance typically provides coverage, up to the limits you select, for specified items and situations, including:

Personal property

Furniture, electronics, computer equipment, clothing, etc.

Personal liability

If someone is hurt, whether in your home or away from it

Damage

To your apartment or rental home caused by a covered loss. Your personal property inside your home will generally be covered if it’s affected by any of the following: fire, smoke damage, theft, collapse of the building due to weather, Water leakage or overflow, freezing of plumbing, air conditioning and more!

Motorcycle/RV/Jetski Insurance

Choosing the right insurance policy is much like choosing the right toy. You want it to fit your needs and lifestyle, but at the same time be within your budget. Although most states require you to carry a minimum amount of liability coverage, other types of coverage are usually optional. Check with us to learn which laws apply in your state.

Coverage for Custom or Classic Motorcycles

Don’t want to wear your helmet? We got you covered!

Want OEM parts for your Harley? We got you covered!

 

Bodily injury liability

Coverage Legal liability for causing physical injury or death to another person.

Property damage liability

Coverage that pays for your monetary loss if you are found liable for damages to a third party.

Medical payments

To the policy owner and other passengers on the policy.

Uninsured and underinsured motorist coverage

Which protects you when a negligent driver has no insurance or insufficient insurance

Physical damage

Covers damage to your car. A few of the different physical damage options are Collision and Comprehensive

 

Collision: covers losses to your car when you are involved in a collision.

 

Comprehensive: covers damages to your car caused by something other than a collision, such as animal, fire, theft, vandalism, hail or flood.

 

 

What Is A Personal Umbrella Policy (PUP)?

Protect yourself from a scenario where your "regular insurance" isn't enough. A personal umbrella policy is called an "umbrella" policy because it provides liability coverage over and above your standard auto insurance or homeowners insurance. It offers protection for you and your family against large and potentially devastating liability claims or judgments. In short, a personal umbrella policy kicks in right where your other liability underlying limits have been reached

Why Would You Want One?

Personal umbrella policies are optional, but they do provide extra protection. Here's an example of why you might want one: You're at fault for an accident that injures another driver. Your auto or homeowners policy liability coverage pays up to your limit; let's say it's $250,000. But the other driver has a high-paying job, and she can't work for six months because of her injuries. Now she's suing you for $1 million, and your car insurance only covers $250,000. Your personal umbrella policy can cover the difference up to your policy limits

Personal Umbrella Policy Limits

 

Typically, personal umbrella policies are available in million-dollar increments from $1 million to $5 million. Personal umbrella policies can also include coverage for the following situations:

If you're sued over an incident covered by your PUP, may retain and pay for your attorney.

You're protected no matter where you are—even when you're out of the country.

You could be covered for any wages lost due to a court appearance, up to the limits specified in your PUP policy.

At America Tax & Insurance Service, we believe that local insurance agencies can best serve your insurance needs and give you the choices you deserve. Located in Orlando City, Florida, America Tax & Insurance Service provides protection for your home, business, and more. For the right coverage at the right price, America Tax & Insurance Service is the right choice.

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