The Right Auto Insurance

The right auto insurance (aka car insurance, automobile insurance) policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or another covered event. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with us to determine the best coverage for you.


Auto Insurance

Oyer, Macoviak and Associates can also get your insurance coverage for Motorcycle, Classic Car, Motor Home & RV, Boat & Jet Ski, and ATV too!

Frequently Asked Questions about Auto Insurance

Auto insurance is a contract which protects you against liability. It also helps cover damage to another motorist's property resulting from auto accidents and covers damages to your auto, injuries or death in an auto accident and any medical expenses incurred by you because of the auto accident.

Everyone driving an auto needs auto insurance unless they have an auto loan from a financial institution or an auto lease.

Auto insurance covers auto accidents, auto theft, auto fire and auto vandalism. This is called liability coverage. Auto insurance also covers auto glass replacement, auto towing and auto medical payments for injuries sustained in an auto accident. You may also purchase a medical payment waiver if you have health care coverage and credit life insurance which pays off your balance of auto loans in case of death, auto theft or auto vandalism.

Each auto insurance policy is different, but all auto insurance policies include a liability section which gives you coverage against your auto causing injury or death to another person and their property damage. Some auto policies also include comprehensive, collision, uninsured motorist, and medical payments.

No. auto insurance policies differ according to the type of auto you are driving and the amount of coverage you need. Factors which determine auto insurance rates are your auto type, marital status, residence, occupation, age, gender, and credit history.

No-fault auto insurance or personal liability protection auto insurance reduces auto insurance costs because it means that the auto owners who have auto insurance are no longer responsible for injuries to other auto drivers and pedestrians. However, this doesn't mean you can drive without auto liability insurance as you must remain covered up to a certain amount in case of severe injury or death.

Yes. auto insurance is required by law in some states and provinces. In Canada auto insurance is required for auto loans from financial institutions or auto leases, but not for purchasing a vehicle. In the United States auto insurance is primarily voluntary but mandatory in some areas. Consult with your DMV or local auto organization for information concerning auto insurance laws in your area.

It is recommended that auto insurance be continuous for you to save money. If auto insurance isn't required in your area auto insurance can be cancelled when you don't need it anymore. Auto insurance policies are month-to-month so there are no penalties if auto insurance is cancelled.

This depends on your auto insurance policy. Some auto insurance companies charge a higher premium for auto insurance cancelled in the middle of the month. Check with your auto insurance company to see what happens when auto insurance is cancelled before or after 31 days.

Fill out the auto insurance claim form and take it to your auto insurance company. If there are specific auto accident claims forms in your auto policy, you should use them instead of the auto claim forms used by other auto insurance companies.

Let Us Handle All the Work While You Save

Speak with a licensed agent (561) 732-9305

Florida-How Much Car Insurance Is Right For You?

Based in Boynton Beach, Florida our team understands the auto insurance needs of our customers.

Auto insurance requirements vary by state. In some states, to drive you must carry:

* Liability coverage – to pay for losses you cause others, or:
* No-fault coverage – to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault, or
* Both liability and no-fault coverage.

We write insurance in Florida and would be happy to help you ensure you have the right coverage for you and your family.

Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes:

Collision Insurance

Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.

Comprehensive Insurance (Other than Collision)

Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible). And although it’s not legally required by any state, you will need it if your car is financed.

Every person is unique – contact us today to find out how to get the best price and value on auto insurance for you. Also keep us in mind for your business, home, umbrella or life insurance needs.

Call for a car insurance quote today at 561-732-9305 or get an online quote today.

Automobile Insurance Companies We Proudly Represent

At Oyer, Macoviak and Associates we are not captive to one insurance company so we can shop the different insurance companies to give you the best coverage with the best rate.