At Brockman Insurance Group we can help you! As a long-time auto insurance company in Central Florida we have helped hundreds of drivers in Orlando with their car insurance needs.
If you are a Florida driver you must carry a minimum of $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL) insurance. These are the state’s minimum requirements, however, it’s typically not enough to cover the cost of a serious accident. Failure to maintain this minimum coverage can result in serious penalties including a suspension of your driver’s license.
Personal Injury Protection, also known as PIP, covers 80% of all necessary and reasonable medical expenses, lost wages, and other costs resulting from injuries you sustained in a car accident regardless of who is at fault. This is a mandatory coverage in the state of Florida. This coverage can benefit you even in the smallest of accidents. For example, if you experience neck pain or body aches after your accident and you need massage therapy, your PIP can help to pay for these treatments. On the other extreme, if you are hospitalized and need surgery, PIP can also help to cover these expenses.
Property Damage Liability, also known as PDL insurance, covers the damage you cause to another person’s property in a car accident. If you damage somebody’s vehicle in an accident your PDL insurance will pay for the repairs up to your policy limit. If somebody’s building, fencing or other structures on their property are damaged from the accident you are involved in, your PDL insurance policy will pay to repair these structures as well. We highly recommend talking with us about coverage limits to help you alleviate personal financial burdens that can come with car accidents.
With the influx of people moving to Central Florida each month also means a significant growth in drivers on the roadways. We highly recommend additional coverage beyond the state’s minimum. Having Bodily Injury liability insurance is also a good idea to protect your financial assets. This additional coverage is not required by the state but it’s worth talking with us about it. According to the Department of Florida Highway Safety and Motor Vehicles (FLHSMV), in 2024 and 2025 over 18 million drivers between the ages of 15 and 90+ have been enjoying the roadways in the state of Florida. This is up over 680,000 drivers recorded in 2023.
In addition to carrying PIP, PDL and Property Damage Liability, we also recommend carrying additional coverage to include Bodily Injury Liability, Collision Coverage, Comprehensive Coverage and Underinsured/Uninsured Motorist Coverage. At Brockman Insurance Group we can help you with these additional coverages. What can these additional coverages offer?
Bodily Injury Liability – protects you from being sued for injuries you cause to others in an accident
Collision Coverage – helps to pay for damage to your vehicle if it’s involved in a collision regardless of who is at fault
Comprehensive Coverage – protects your vehicle from damage caused by other incidents than a car accident. This coverage will protect your vehicle from damage caused by natural disasters, theft or vandalism
Underinsured/Uninsured Motorist Coverage – this coverage protects you in the event you are hit by a driver who doesn’t have auto insurance or doesn’t have enough car insurance to cover the cost of your injuries
At Brockman Insurance Group we offer auto insurance for most 4-wheel vehicles registered in the State of Florida. Have you purchased a new vehicle? Do you have a new driver in the house? Are you trading in a vehicle for something larger or smaller? We can help you with your auto insurance quote so you have proper coverage for each of these scenarios.
We have many drivers call our Altamonte Springs insurance agency and ask us about auto insurance discounts. There are car insurance discounts available to drivers over age 55 who take a safe driving class and for full-time students. If your child is a full-time student, they may be eligible for a “Good Grade Discount” with proof of a “B” average or better. This discount is available for students up through age 24 if in college.
Ready to get an auto insurance quote? Give us a call at 407-644-9991. We would be happy to talk with you about car insurance for your sports car, truck, SUV, mini-van or any 4-wheel road ready vehicle. If you are typing into Google “car insurance near me” we can help you. Our Altamonte Springs office is near I4 and Maitland Boulevard, convenient to Winter Park, Downtown Orlando, Longwood, Lake Mary, Sanford. Central Florida drivers have relied on Brockman Insurance Group (BIG) for full auto coverage of their vehicles. It’s time to think BIG, call us today 407-644-9991.
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