Doc Auto Insurance: Comprehensive Coverage For Your Vehicle

Doc Auto Insurance Group, LLC is an independent insurance agency that offers personal lines insurance, including auto insurance. They provide low-cost car insurance in Florida, Texas, South Carolina, Alabama, and Georgia. The company offers various types of car insurance, including liability insurance, full coverage, and comprehensive and collision coverage. Additionally, they provide Drive Other Car (DOC) coverage, which is an endorsement that extends commercial auto insurance to cover employees who drive non-owned vehicles for professional reasons. This type of coverage is suitable for business executives and their spouses when they rent, borrow, or test drive vehicles not owned by the company.

Bodily Injury Liability (BI) Insurance

Doc Auto Insurance offers car insurance in Florida, Texas, South Carolina, Alabama, and Georgia. In these states, motorists are required to carry a minimum amount of Bodily Injury Liability (BI) Insurance, which is a part of the liability coverage on most vehicle insurance policies. BI insurance covers the medical expenses and injury-related costs of other parties when the policyholder is liable in an accident.

For example, in Georgia, motorists are required to carry at least $25,000 per person and $50,000 per accident in BI insurance. This means that if a policyholder is at fault in an accident and the other party incurs medical expenses and injury-related costs, the BI insurance will cover up to $25,000 per person and $50,000 in total for all injuries in a single accident.

BI insurance is essential as it helps protect the policyholder from financial liability and legal consequences in the event of an accident. It covers the medical expenses, lost wages, and legal fees of the other party, provided the policy has sufficient liability coverage. It is worth noting that BI insurance does not cover the policyholder's own medical expenses or property damage; separate coverage is required for those instances.

When determining the appropriate amount of BI insurance, it is recommended to consider one's net worth and choose a limit that offers adequate protection. While most states mandate a minimum amount of BI insurance, purchasing higher limits can provide additional peace of mind and financial security in the event of an accident.

By understanding the requirements and purpose of BI insurance, individuals can make informed decisions about their auto insurance coverage and ensure they have the necessary protection in place.

Property Damage Liability (PD) Insurance

PD insurance is required by law in most states, except for New Hampshire, and the minimum amount of coverage you need varies by state. For example, Florida requires at least $10,000 of PD insurance, while Texas requires $25,000. It's important to note that PD insurance doesn't cover repairs to your own vehicle or your medical expenses; you'll need additional coverage, such as collision and comprehensive insurance, for that.

When purchasing PD insurance, it's worth considering buying more than the state's minimum requirement. This will provide you with more financial protection in the event of an accident. Additionally, it's important to understand how your policy works, including any deductibles or limits on payouts.

Doc Auto Insurance offers PD insurance in Florida, Texas, South Carolina, Alabama, and Georgia, with varying minimum requirements for each state. For example, in Georgia, Doc Auto Insurance offers $25,000 of PD insurance, while in Texas, the minimum offered is $25,000.

Uninsured/Underinsured Motorist Insurance

Uninsured motorist coverage, or UM, is a type of car insurance that can pay for medical expenses if you or your passengers are injured in an accident caused by an uninsured driver, a hit-and-run driver, or a driver whose insurance company denies coverage or goes out of business. It can also pay for lost wages and pain and suffering. In some states, you can also buy uninsured motorist property damage (UMPD) coverage, which pays for damage to your car if an uninsured driver hits you.

Underinsured motorist (UIM) insurance is similar to UM but covers medical bills and other expenses if you are in an accident caused by a driver whose insurance does not fully cover the costs. UIM is sometimes packaged with UM coverage.

The cost of uninsured motorist coverage depends on the state and the specific coverage limits you choose. On average, it costs $136 per year for $100,000 per person and $300,000 per accident in coverage.

DOC auto coverage, or Drive Other Car coverage, is a type of insurance endorsement that extends your existing auto insurance policy to cover vehicles that you drive for professional reasons but that are not listed on your personal or commercial auto insurance policy. This could include borrowed, rented, or leased vehicles. DOC coverage typically includes uninsured/underinsured motorist insurance, as well as medical payments coverage and property damage liability insurance.

Medical Payments Coverage

In some states, MedPay is mandatory, while in others it may be optional or not offered. When deciding whether to opt for MedPay, consider whether you have a high-deductible medical insurance plan and whether you would like financial peace of mind in the event of an accident.

Additionally, Medical Payments Coverage can be extended to non-owned vehicles through Drive Other Car (DOC) endorsements. This type of coverage is useful if you or your employees frequently borrow, test drive, rent, or lease vehicles for professional reasons. DOC insurance ensures that you are covered for medical payments in the case of an accident in a non-owned car.

Physical Damage Insurance

In some cases, physical damage insurance can also include fire and theft with combined additional coverage (CAC). This type of policy combines fire and theft protection with other specified risks and is sometimes referred to as limited comprehensive insurance or specified perils insurance. It is designed for specific heavy truck types and does not cover mechanical issues or maintenance and repairs.

It is important to note that physical damage insurance does not cover medical bills for the injured, damage to someone else's property, or legal expenses. These are typically covered under auto liability insurance. Additionally, physical damage insurance is usually required by lenders for leases and loans.

When considering physical damage insurance, you have the option to choose a deductible, which is the amount you agree to pay out of pocket when you have a claim. Choosing a higher deductible can help lower the price of your insurance. You also need to submit a stated amount, which is your best estimate of the current value of your vehicle, taking into account its age, condition, and any permanently attached equipment.

Frequently asked questions