Scienzo & Associates has collaborated with some of the top, most recognized
auto insurance carriers in the industry to provide coverage for Automobiles,
Boats, Motorcycles, Motor Homes and Recreational Vehicles. Through these
partnerships Scienzo & Associates is able to offer the best price and coverage
for all of our customers’ needs. The importance of an informative Insurance
Agent and a comprehensive insurance policy isn’t usually identified until an
accident has occurred. Whether it’s a fender bender or a more serious event,
it is imperative that you be properly covered.
Insurance terms laws and options can be very overwhelming and confusing to
the normal consumer. Our experienced customer Service Representatives
would be pleased to explain the different types of coverage’s and deductibles
available to suit your lifestyle.
WE CAN NOT BIND, CHANGE OR CANCEL COVERAGES VIA THE INTERNET OR EMAIL
Call us today for a price quote! 772-286-3997 or 561-743-5890
Bodily Injury Liability:
Coverage in the event that you (the insured ) Cause injuries to other in an accident.
Property Damage Liability:
Coverage in the event that you (the insured) damage other vehicles or property in an accident.
Personal Injury Protection (PIP):
Required coverage under Florida’s no Fault” Law. Provides 80% up to $10,000 in medical expenses, 60% of gross
income loss caused by inability to work because of an injury suffered in an accident and $5,000 death benefit paid
to you regardless of fault in the accident.
Uninsured Motorist (UM):
Optional coverage that can be used for medical cost, pain and suffering for injury to you and / or others in your
vehicle, if injury is caused by a driver that does not carry liability insurance or has insufficient liability coverage.
Optional coverage that will pay for damage to your car , less any deductible, caused by things other than collision
or upset. (Fire, theft, flood, vandalism, glass breakage, for example) Lien holders may require this coverage
with a minimum deductible, if you carry a loan with them.
Optional coverage that will pay for damage to your car, less any deductible, caused by things other than collision
or upset. (fire, theft, flood, vandalism, glass breakage, for example) Lien holders may require this coverage with
minimum deductible, if you carry a loan with them.
Towing & Labor:
Optional coverage that may provide a limited amount of reimbursement for expenses such as towing and a car
repairs made at the site of vehicles disablement.
This type of optional coverage provides limited reimbursement for a rental car used while your car is being
repaired for a covered claim.
Coverage Terms & Definitions at a glance: