Bridges Insurance

Auto Insurance

Did You Know?

  • Roughly 27% of Florida drivers are uninsured. That’s over 1/4 of Floridians!

  • Florida ranks #3 in the United States for vehicle thefts.

  • The average transacted price of new vehicles on the road today is around $36,000.00.

Considering these statistics, do you think your coverage is adequate? If you were the victim of theft or the innocent party involved in an accident with an uninsured driver, would you be protected? If you had to repair or replace a $36,000.00 vehicle, would your coverages be enough?

Automobile insurance is made up of various coverages and policy options. With detailed review of the needs of the insured, the type of vehicle covered, how the vehicle is used, state requirements, appropriate deductibles plus any other applicable factors, the proper and best coverage can be determined with the client and a Bridges Insurance Agency representative. There are some provisions in an auto insurance policy that are automatically included in the policy at no charge.

Additional savings can often be realized by combining the Auto insurance with a homeowner policy. Our agency reviews the possible savings with a detailed review of both coverages. This combination of policies would be reviewed for cost and coverage and eligibility with a Bridges Insurance Agency representative.

What's In An Auto Policy?

Personal Injury Protection (PIP)

  • PIP is required in the state of Florida for all drivers.
  • It pays medical bills (80%) and lost wages (60%) up to the policy limit.
  • Minimum and maximum limits are $10,000.
  • PIP covers injuries to you and your passengers in an auto accident, regardless of fault.
  • PIP also offers a $5000 death benefit for burial and funeral expenses.

 Property Damage Liability (PD)

  • PD covers your liability for damages or loss of use to tangible property belonging to someone else in an auto accident.
  • A $10,000 minimum limit is mandated by the state of Florida.
  • Examples might include another person’s vehicle, fence or a building.

Bodily Injury (BI)

  • This coverage pays for injuries or death to someone else that you are legally liable for after a motor vehicle accident.
  • Minimum limits of $10,000 each person and $20,000 each accident, referred to as split limits.
  • Drivers convicted of driving under the influence must purchase BI coverage in the amount of $100,000/$300,000 and $50,000 in PD liability.
  • Discussing your coverage needs with our qualified insurance agents can help you better understand your options.

Uninsured and Underinsured Motorist (UM)

  • Florida now ranks #3 in the country for highest auto insurance premiums. This is largely in part to the staggering number of uninsured drivers (nearly 27%) behind the wheel.
  • Indemnifies you for medical bills, pain and suffering and lost wages from an auto accident caused by an uninsured or underinsured motorist.
  • This coverage protects YOU!

Comprehensive or Other Than Collision (OTC)

  • Provides coverage for damage to your insured vehicle from fire, theft, windstorm, vandalism, flood, falling objects or from colliding with an animal.
  • This coverage is usually available even if you elect not to purchase Collision overage.
  • Common deductible amounts are $250, $500, $750 or $1,000.
  • Consult with our agent to determine what deductibles are available to you.


  • Collision coverage pays for the repair or actual cash value of your insured vehicle if it collides with another vehicle, flips over or collides with another object (except animals).
  • Common deductibles are $250, $500, $750 and $1000
  • In general, only equipment that is permanently attached to your vehicle is considered for coverage in a Collision claim.

Medical Payments

  • Pays for medical bills PIP won’t cover within 3 years from the date of accident.
  • Medical payments are “per person”.
  • Can help with PIP deductible.
  • No economic benefit as with PIP.

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Have a Special Insurance Need?

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Farmer's Auto Discounts

New Car Replacement Coverage

This coverage will reimburse you for the cost of replacing your vehicle after a total loss with a new one of the same make and model. To qualify, vehicles must be in the first two model years of ownership and less than 24,000 miles. Deductibles apply.

Customized Equipment Coverage

Did you add a new sound system or alloy wheels to your vehicle? This coverage can protect your add-on equipment from damage. The underlying policy must have comprehensive and collision coverage.

Accident Forgiveness Coverage

Farmers will forgive one at-fault accident for every three years you drive without one. Call for details and eligibility.

Original Equipment Manufacturer (OEM) Coverage

This coverage repairs covered vehicles with factory original replacement parts. Vehicles may not be older than 10 years and you must also have collision and comprehensive coverages.

Car Rental Reimbursement

Needing transportation after an accident? Farmers will quickly help you find a quality rental car with the bill going directly to Farmers. Policy holders must have collision and comprehensive coverages.

Towing and Roadside Service Coverage

If you are locked out of your car or the vehicle breaks down, Farmers offers 24/7 help and is just a phone call away.