Your personal car will be fully protected with Gusta Insurance.
Enjoy peace of mind insuring your commercial trucks and with us. Ask your agent to receive car insurance quotes for your personal auto as well. Gusta Insurance insures your future.
UNDERSTANDING YOUR CAR INSURANCE POLICY
More than 90% of drivers do not realize the danger they encounter every day driving a vehicle that is underinsured or uninsured. While many may have some type auto coverage, they are not aware of the fact that other drivers driving next to them may be completely uninsured/underinsured and about to cause an auto accident. In this case, when do you know you have enough coverage to protect your family and assets?
Most States require drivers to buy Auto Liability Coverage. Drivers must buy at least the required minimum amount in accordance with a State Law. There are 2 elements to the Liability coverage:
Although you don't have to have, this coverage will protect you in case you are the party at fault in an auto accident. It will cover you for injuries and other costs the other party sustained as a result to the car accident. Bodily Injury coverage comes in different amounts with the minimal amount being $10,000 per person/$20,000 per accident. Higher amounts of BI are available as well as excess Umbrella Liability Policy to increase your protection. The higher the amount of your Bodily injury coverage is, the more protection you will have to pay for large sums awarded to the injury party. If you choose not to insure your car with Bodily Injury coverage, you will be responsible for all out-of-pocket expenses caused to the injured party. This means that your financial livelihood may be ruined following your unfortunate mistake.
Property damage coverage will provide coverage to pay for another driver's property in case you are the at- fault party. This coverage is required in Florida and the minimal you can have is at least $10,000. Having the minimal requirement to your state law doesn't mean that you a fully covered. For example, if you are at fault for striking another vehicle, your car insurance will only pay up to the total of your property damage policy limits of $10,000, if the case. If the other party's vehicle takes more than $10,000 to repair or is completely totaled as a result of the wreck, you will be on the hook to pay for out-of-pocket expenses for the excess amount of the other party's property damage.
UNINSURED AND UNDERINSURED MOTORIST COVERAGE (UM/UIM)
- Optional in the State of Florida
Uninsured Motorist Coverage will protect you if a car operated by a hit-and-run driver who cannot be identified upon striking your vehicle or, during the same instance, driving with no liability coverage. The Underinsured Motorist Coverage will protect you against at-fault car operators who has liability coverage, but are Underinsured to pay for your bodily injury and other costs you accrued as a result of the car accident. For example, if your damages cost $20,000 and the at-fault party liability policy limits is $10,000, your Underinsured motorist coverage will cover for the remainder of your awarded damages. If your insurance company pays for your bodily injury or property damage caused by the uninsured/underinsured driver, your insurance company will have the right to sue the uninsured/underinsured motorist for the damages they paid you as a result of the accident. This is called Subrogation. Remember, if you are underinsured or uninsured, this can happen to you as well.
COMPREHENSIVE COVERAGE (OTHER THAN COLLISION)
- Optional in the State of Florida but may be required by the lienholders if you are financing your vehicle.
This coverage protects your vehicle and will pay almost every other type of direct , accidental loss to your vehicle that is not excluded by your policy. The list includes damages caused by fire, theft or larceny, hail, water, or flood, failing objects, windstorm, riot or civil commotion, contact with bird or animal, earthquake, breakage of glass and other perils not specifically excluded in your policy.
- Optional by the State of Florida but may be required by the lienholders if you are financing your vehicle.
Collision will cover your vehicle in case of an impact with another object or vehicle, or the upset (overturn) of your vehicle. When this coverage is combined with Comprehensive coverage is usually referred as "full coverage".
PERSONAL INJURY PROTECTION (PIP)
Florida is a "no fault" State and requires every driver to have this coverage. Personal Injury Protection pays for necessary medical and funeral services regardless of fault. This means that if you are involved in a car accident and are deemed at fault, your PIP policy will pay your medical expenses, including medical bills, X-rays, and surgery. In Florida, the minimum and the maximum amount of PIP you can have is $10,000. The PIP coverage also have different amounts of deductible for you to choose. Florida PIP insurance covers 80% of your medical expenses and 60% of your lost wages, regardless of who causes an accident.
MED PAY COVERAGE
This coverage will pick up the remainder 20% of your medical expenses PIP doesn't cover.
OTHER INSURANCE TYPES
Aside from all the above coverages you may opt to have other insurance coverages as part of your policy such as:
Your experienced Gusta Agent will tailor each policy coverage that will fit and protect you, your family and your assets. Call Gusta Insurance Today at (813) 549-3585. We service the Tampa FL, Bradenton FL, Brandon FL, Sarasota FL, Sun City Center FL, Orlando FL and other areas in Florida.
Our independent insurance agents will help you obtain the best car insurance coverage for the best price.
Joel Marius has been working with many business owners across the county for over 12 years and understands many of the challenges that they face especially when it comes to risk and liabilities. Joel has a passion to help business owners grow, maintain and protect their business. The main reason that Joel co-founded Gusta Insurance is because Joel has noticed that business owners don’t understand the type of insurance that they have, they were sold the wrong insurance product or their business insurance has many gaps which were not properly explained to the business owner. Putting the business owner in a position to cover expenses for liabilities versus having peace of mind thinking that their commercial insurance would be protecting their business. Joel wants business owners to know that Gusta Insurance is not interested on a one time transaction relationship but a long-term commercial insurance relationships. Helping business owners understand their business insurance and that they are properly protected. Joel holds a Bachelor Degree in Business and is Bi-lingual, English-Spanish.
Juliana has worked as a Paralegal in a personal injury law firm for 9 years. Juliana is also a small business owner who continues to witness people on a daily basis in need of help and knowledge to protect their assets or their valuables. Working on both sides of the stage in the insurance and legal industry, Juliana has seen that many of these individuals with auto or commercial insurance are under insured or uninsured and face challenges when liabilities arise. Her priority is to educate and protect her clients with the right personal or business insurance product. She knows the ins and outs of the insurance industry and decided to be an independent insurance agent to help individuals and business owners to obtain the right insurance policies that will fit their profile and secure their future. Juliana’s goal is for her clients to have peace of mind and enjoy full protection. Juliana holds a Bachelor Degree in Criminal Justice and speaks English, Portuguese and Spanish.
Michael Dressel is a true wizard when it comes to finding the realm of commercial employee benefits and medical insurance. Working now for 20 years in the Health Insurance Industry, Michael does not just measure his performance based on numbers and dollar signs. He primarily looks at how well his clients are doing, and what their successes are. He works solely in the best interest of his clients and their employees, learning about their needs and then creating programs that match them. Since college graduation, Michael has worked for the major medical insurance companies and brings a ton of experience to the Gusta Team as a commercial insurance specialist who specializes in employee benefits. At Gusta, Michael holds solid partnerships with all the main medical insurance carriers to offer consultative services to his clients while focusing on innovative strategies designed to save companies money and find them full coverage at an affordable price.
Michael knows that many business owners and employees are concerned about the cost of healthcare, frustrated with the process of renewing and installing coverage, worried about retaining quality employees and upset about the current climate of health insurance. That’s why Michael provides simple, effective solutions to his clients, helping business owners change their organizations and their employees receive access to quality healthcare.
“I have one thing on my mind, and that’s what I can do for you as my client,” says Michael. “Your best interests are my main prerogative.”