AUTO
INSURANCE
Auto insurance protects you from the unexpected, whether it’s an accident, theft, or damage. 4ward connect helps you find the right coverage to suit your needs and budget, including liability, collision, comprehensive, uninsured motorist, personal injury protection (PIP), and more.
We also provide insurance options for other vehicles such as RVs, off-road recreational vehicles (ORV), golf carts, and jet skiis. Drive with peace of mind knowing you’re covered every mile of the way.
Mandatory Coverage
We respect and comply with the laws of your state; for example, in Florida, the law requires personal Injury Protection (PIP) and Property Damage Liability (PDL). PIP covers medical expenses for you and your passengers, no matter who’s at fault, while PDL covers damage to someone else’s property.
Additional Coverage
To Protect You
We respect and comply with the laws of your state; for example, in Florida doesn’t require Bodily Injury Liability (BIL), but adding it protects you financially if you cause injuries in an accident. Uninsured Motorist Coverage is also recommended to safeguard you against uninsured or hit-and-run drivers.
Optional Coverage
For Peace Of Mind
Enhance your protection with optional coverages like Collision, which pays for repairs to your car after an accident, and Comprehensive, which covers damages from theft, weather, or other non-collision events. These options give you greater financial security on and off the road.
INSURANCE AUTO
Auto insurance policies must adhere to specific state requirements to ensure all drivers maintain adequate financial responsibility. Key terms and conditions include
Mandatory Coverage
- Personal Injury Protection (PIP): Provides a minimum of $10,000 coverage for medical expenses and lost wages, regardless of fault.
- Property Damage Liability (PDL): Requires at least $10,000 coverage for damages caused to another person's property
Continuous Coverage
- Insurance must be maintained without lapse throughout the vehicle's registration period, even if the vehicle is not in use.
Proof of Insurance
- Drivers must carry proof of insurance and present it upon request by law enforcement or during vehicle registration.
Penalties for Non-Compliance
- Failure to maintain required coverage can result in suspension of driving privileges, vehicle registration, and fines up to $500.
Optional Coverages
- Bodily Injury Liability (BIL): While not mandatory, this coverage protects against claims if you're responsible for injuries to others.
- Uninsured/Underinsured Motorist Coverage: Offers protection if involved in an accident with a driver lacking adequate insurance.
- Collision and Comprehensive Coverage: Provides additional protection for your vehicle against various types of damage.
Learn About Our Competitive Prices
FAQs
Yes. Law requires drivers to carry Personal Injury Protection (PIP) and Property Damage Liability (PDL). Without it, you could face fines or license suspension.
If the other driver is uninsured or underinsured, Uninsured/Underinsured Motorist Coverage can help pay for your medical bills and damages.
Yes, you can cancel your policy at anytime.
Absolutely! Bundling auto with home, renters, or life insurance can save you money and simplify your coverage.