What does auto insurance cover?
  • Bodily injury liability coverage – Pays for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defense.
  • Property damage liability coverage – Provides you with protection if your car accidentally damages another person’s property. It also provides you with a legal defense.
  • Medical payments, no-fault or personal injury coverage – Usually pays for the medical expenses of the driver and passengers in your car incurred as a result of a covered accident regardless of fault.
  • Uninsured motorist coverage – Pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, under insured motorist coverage is also included. This is for cases in which the at-fault driver has insufficient insurance.
  • Comprehensive physical damage coverage – Pays for damage to your car from theft, vandalism, flood, fire, and other covered perils.
  • Collision coverage – Pays for damage to your car when it hits or is hit by another object.
Can I get coverage with speeding tickets on my record? What about accidents or a DUI?

Yes. McBride Group understands that not everyone has a perfect driving record. We represent insurance carriers specializing in your unique situation.

Home Insurance Coverage — What Is Covered?

Standard home insurance coverage policies provide the following types of coverage, up to the limits outlined in the policies:

  • Dwelling — Pays for damage or destruction to your house and any unattached structures and buildings. Examples include fences, attached garage, or patio cover.
  • Personal Property — Covers the contents of your house, including furniture, clothing and appliances, if they are stolen, damaged, or destroyed.
  • Liability — Protects you against financial loss if you are sued and found legally responsible for someone else’s injury or property damage.
  • Medical Payments — Covers medical bills for person(s) injured on your property.
  • Loss of Use — Pays for additional living expenses if your home is uninhabitable due to a covered loss. Most standard Sarasota Springs Homeowners Insurance policies pay 10% to 20% of the amount of your Dwelling coverage.
Can you have multiple life insurance policies?

Yes, you can have multiple policies from the same or different life insurance companies. For example, you could have a permanent life insurance policy and also a term life policy for a short-term need. But if you apply for more insurance coverage than your situation indicates you need, the insurance companies will likely ask why.

Why buy life insurance young?

An advantage to buying life insurance when you’re young and healthy is you’ll be able to lock in a good rate for the duration of the policy. If you have dependents in the future, you will have secured a low rate and you will have guaranteed your “insurability,” meaning you won’t have to worry about higher rates as you age and possibly experience declining health.

The older and less healthy you are when you buy a policy, the higher the price.

What is the definition of disabled?

This will be a critical element to any policy that you purchase and with each policy the definitions will vary.

Unable to Continue in Your Present Occupation
You should consider a plan that defines “disabled” as being unable to continue in your present occupation. Most workers have obtained a skill that pays them at a salary reflective of that. A good policy is going to replace the income that you would have lost if you are no longer capable of that earning power.

Unable to Perform “Any Occupation”
There are plans that call for you to be unable to perform, “any occupation”. These should be avoided, as they are not reflective of your loss.