Ocean harbor insurance automobile

Ocean Harbor Insurance _ Automobile The Ocean Harbor Casualty Insurance Company focuses on providing basic limit of auto insurance in the state of Florida. Since 1994, Pearl Holding Group has been the company’s managing general agent. Unlike many other states, Florida has a different set of auto insurance laws; one of the most notable is its No Fault Insurance regulation. Minimum coverage requirement for every driver includes Property Damage Liability (PDL) and Personal Injury Protection (PIP). Each type has a minimum basic limit of $10,000. Ocean Harbor Insurance emphasizes on those two coverage types, but drivers can ask for additional protection through optional coverage such as Collision and Comprehensive.

Property Damage Liability (PDL) Everyone who owns something is subject to liability laws. The idea behind Property Damage Liability Coverage is to provide financial protection in case policyholder’s property (including car) causes damage to someone else’s properties such as cars and buildings. For example, a policyholder is driving his car to work but he rear-ends his neighbor’s mailbox on the way. The neighbor files a lawsuit or claim to policyholder for mailbox replacement. Ocean Harbor Insurance provides a middle ground to solve this dispute by giving financial assistance for policyholder to repair or replace the mailbox. The financial assistance is available up to the limit of policyholder’s coverage ($10,000).

In case that scenario also involves policyholder’s car damages, PDL does not cover repair or replacement cost.

The term “liability” means insurer protects the policyholder from being liable to any damages that his car causes to someone else’s properties. Although the state of Florida does not require drivers to purchase coverage for this protection, Ocean Harbor Insurance provides the necessary protection as optional coverage including Comprehensive and Collision.

Difference between Comprehensive and Collision Both Comprehensive and Collision by Ocean Harbor Casualty Insurance provide the necessary financial protection for damages to policyholder’s car. The biggest difference lies in what causes the damage to the car.

Comprehensive coverage applies when damages are results of non-accident situations for examples vandalism, theft, natural disasters, falling objects, and animals. When damages occur due to road accident with another car, Collision coverage comes in to help repair the damage or replace the vehicle.

Personal Injury Protection (PIP) No Fault insurance regulation allows all drivers to protect themselves from any unfortunate event of injuries due to road accidents, hence Personal Injury Protection. The coverage does not wait for the at-fault party to file claim and give payouts; somewhere between the processes, there can be lengthy court procedures which force drivers to pay medical expenses out of their own pockets and then wait for the reimbursements. Personal Injury Protection acts like an emergency health insurance to deliver the necessary financial assistance after an accident. PIP also avoids additional cost for court process.

With Personal Injury Protection, Ocean Harbor Insurance covers policyholders in case they sustain injuries due to road accidents in their own cars. If policyholders need to drive other cars, they must include the cars in the policy. According to Florida regulations, however, Personal Injury Protection follows the policyholder, not the vehicle because it protects injuries from other instances too such as:  Pedestrians who sustain injury by vehicles  Children who sustain injury is school buses  Bicyclist who sustain injury by cars Uninsured/Underinsured Motorist Coverage In certain circumstances where policyholders’ cars need repairs due to accidents with someone else who does not have enough PDL or no PDL at all, the policyholders have to pay the repair from their own pockets. Ocean Harbor Insurance, however, provides Uninsured/Underinsured Motorist coverage as optional protection in such situation. In Florida, because every driver must purchase Personal Injury Protection, the Underinsured/Uninsured Motorist coverage does not cover medical expense for injuries. Apart from those coverage types, Ocean Harbor Casualty Insurance also provides more additional protection including Roadside Assistance, Hit & Run Protection, and Rental Reimbursement.

How to get Ocean Harbor Insurance Coverage in Florida Ocean Harbor Insurance has the license to sell and underwrite auto insurance policies in Florida, and customers can purchase the coverage from independent agents. For customers, working with independent agents may incur additional cost, but the benefits outweigh the extra fee. There are many reasons why an independent agent is a better bet to acquire insurance: 1. Personal Assistant: independent agent is like a personal assistant with whom policyholders can develop professional close relationship. The main reason is that independent agents are professionals who do not work for any insurance company; they often live in the same community as policyholders.

2. Local Community: because they live in the same community as the policyholders, independent agents understand local neighborhood and all possible insurance perils. It allows for better negotiation concerning the coverage or protection in relation to local risks.

3. One-stop Service: independent agent does not work for any particular company. The agent can help policyholders to choose different coverage from various insurers and combine them in one policy.

Claim service is also easier because independent agent provides personal assistance. Besides claim, there can be many questions with insurance policy, and independent agent is always present to help.

4. Policyholder’s representative: independent agent represents the policyholder, not the company. The agent works on your behalf to find the best deals in auto insurance.

For Ocean Harbor Insurance, the relationship between the company, independent agents, and policyholders allows for transparent business conduct in all aspects from purchasing, renewal, filing claims, and payout.

Although independent agents are middlemen, the additional cost that policyholders have to pay is often negotiable.

For more information, simply visit: http://oceanharborinsurance.net