Car Insurance

Get a quote & you could save up to $600*

GET A FREE QUOTE

Royal Insurance offers you the best insurance in Miami.

Thank you for considering Royal Insurance as your insurance company.
Please submit our Request For a Quote, One of our specialists will contact you.

privacy We value your privacy and would never spam you

Protection through the best insurance companies

Auto Insurance

Learn the basics about auto insurance in a flash. Hear from a one of the nation's top insurance advisors who will explain why auto insurance is so important, help demystify the auto insurance process and quickly provide you with a good understanding of important insurance terms and concepts.

Save More we Us on Your Car Insurance

We offer tons of discounts including safe driver, pay-in-full, multi-car, multi-policy, quoting online and more. Take advantage of our savings and get an auto insurance quote now.

GET A FREE QUOTE

Royal Insurance offers you the best insurance in Miami.

Thank you for considering Royal Insurance as your insurance company.
Please submit our Request For a Quote, One of our specialists will contact you.

privacy We value your privacy and would never spam you

Automobile Insurance

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

 

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements. Most auto policies are for six months to a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.

An auto insurance typically contains six separate and distinct parts:

  1. Bodily Injury Liability - for injuries the policyholder causes to someone else.
  2. Property Damage Liability - for damage the policyholder caused to someone else's property.
  3. Medical Payments or Personal Injury Protection (PIP) - for treatment of injuries to the driver and passengers of the policyholder's car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident.
  4. Collision - for damage to the policyholder's car from a collision. The collision could be with another car, a light post, fire hydrant, etc...
  5. Comprehensive - for damage to the policyholder's car that doesn't involve a collision with another car. Covered risks typically include fire, theft, falling objects, missiles, explosion, earthquake, flood, riot and civil commotion.
  6. Uninsured Motorist - for treatment of policyholder's injuries as a result of a collision with an uninsured driver. Underinsured motorist coverage can also be included in an auto policy. Underinsured motorist coverage comes into play when an at-fault driver has auto liability insurance, but the limit of insurance is inadequate to pay for your damages.

 

With Permission Insurance Information Institute, Inc.  ALL RIGHTS RESERVED 

The following outline of coverage is for informational purposes only.

Liability Coverage:

This covers your legal liability for bodily injury to others (Bodily Injury Liability) or damage to their property (Property Damage Liability). Florida law requires you have Property Damage Liability coverage. The principal exclusions (items not covered by your policy) for this coverage are: (1) autos owned by you or furnished or available for the regular use of you or your family members , which have not been specifically covered under the policy, (2) vehicles with less than 4 wheels, and (3) claims for injured members.

Personal Injury Protection (P.I.P.):

This covers you, your family members and certain others, for bodily injuries resulting from auto accidents, without regard to fault. Payments are for 80% of medical expenses, 60% for loss of income, replacement household services and (if the limit has not been exhausted by other benefits) a death benefit. Personal Injury Protection is also required under Florida law. The principal exclusions for this coverage are injuries sustained in autos you or your family members own, which have not been specifically covered under the policy, and injuries to other vehicle owners required by law to have their own coverage.

Medical Payment Coverage:

This coverage supplement the medical expense reimbursement of PIP coverage and provide basic coverage in situations where PIP does not pay. The principal exclusion’s are similar to those for liability coverage.

Uninsured Motorist Coverage:

This coverage pays for bodily injuries to you, family members and certain others, resulting from the negligence of others. It pays when the at-fault party has: no liability insurance, or liability coverage with limits not adequate to pay for the damage incurred, or if injuries result from a hit-and-run vehicle. Your coverage may be “Stacked” or “Non-stacked”. The principal difference between these two forms is that the total amount of protection under the stacked form is the sum of the limits applicable to each vehicle insured, whereas under the non-stacked form the limit stated applies per accident regardless of how many vehicles you own or insure.

Collision:

This covers damage to your car resulting from upset or impact with another object.

Comprehensive:

Provides coverage for damage to your car resulting from fire, theft and other direct losses not excluded. The principal exclusions are for damage to certain electronic and sound equipment; tapes and others media; radar detector; undeclared camper bodies; and van pickup customized equipment.

Other Coverage:

In addition, your policy may contain other endorsements which add or broaden coverage, as indicated by their titles. The principal endorsements which may be found is towing and labor cost.

Renewal and Cancellation Provision:

You may cancel your policy at any time after it has been in effect for 60 days. During the first 60 days of your policy, you may cancel only if you dispose of the vehicle or it is total loss, or after the purchase of another policy covering the motor vehicle which was covered under this policy. Under conditions where the law permits to cancel or refuse renewal of your policy, we must give you advanced notice as follows: (1) 10 days for cancellation because of nonpayment of premium; (2) 45 days for cancellations for any other reason; (3) 45 days if we refuse to renew.

Get an auto insurance quote online or call for advice

GET A FREE QUOTE

Royal Insurance offers you the best insurance in Miami.

Thank you for considering Royal Insurance as your insurance company.
Please submit our Request For a Quote, One of our specialists will contact you.

privacy We value your privacy and would never spam you

305-735-4497

CONTACT

7250 west 24 ave suite 4 hialeah fl 33016
Call: 305-735-4497
Fax: 786-953-5752
Email: info@royalinsurancecorp.com