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Personal Lines

MEDICAL PAYMENTS
For: Any post-accident medical care


This protects you if you’re in an accident; we pay for any medical care you and your passengers receive. We also cover medical care if you get hit by a car while you’re walking or riding a bicycle. In some states, you might also get Personal Injury Protection—it protects you the same way.

5951 NW 151st ST,Miami Lakes,FL 33014

Suite 105

Coverage for everyone in your policy:

305-901-9993

The Best Coverages With Your Budget In Mind

Automotive Insurance Coverage

From basic to full coverage auto insurance policies


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COMPREHENSIVE
For: Any other repairs


Comprehensive coverage protects you if your car is damaged by something other than a collision, such as fire, vandalism, hail or flood; we pay for repairs (after you pay the deductible). We also cover damage caused by hitting an animal and theft (if your car gets stolen).

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Commercial Lines

UNINSURED/UNDERINSURED BODILY INJURY
For: At-fault repairs & medical care


Bodily Injury and Property Damage Liability coverage protects you if you cause an accident; we pay for the other driver’s medical bills (passengers’ bills, too) and any damage. We even cover legal fees if you’re sued (rare, but it happens).

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Coverages for your vehicle:

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Bodily Injury Liability: Bodily injury liability covers you in the event that you cause an accident in which another person (or people) is injured.

Property Damage Liability:
Coverage in case your car damages someone else's property usually this means someone else's car, but it could be a fence, light post or other piece of property.

Medical Payments:
Medical Payments covers certain medical expenses if any vehicle occupants are injured in an accident.


Collision Coverage:
Collision coverage is an optional coverage that covers damage to your car caused by impact with another car or object. 

 Comprehensive Coverage:
Comprehensive car insurance coverage is also an optional coverage that covers damages to your car caused by something other than a collision - like theft, fire, etc.

UNINSURED MOTORIST PROPERTY DAMAGE
For: Unpaid not-at-fault damage


Uninsured Motorist Property Damage coverage protects you if you're in an accident caused by a driver who doesn't have insurance; we pay to repair damage to your vehicle (after you pay the deductible).

COLLISION
For: Any post-accident repairs


Collision coverage protects you if you get hit by, or hit, another vehicle; we pay for your car repairs. You choose a deductible and pay this portion to the repair shop after an accident, and we pay the rest of the bill.

We offer insurance by phone and online with trusted third party insurance companies. Prices vary based on how you buy. Rates for policies sold through agents and brokers are available, and can also be retrieved, through your consulting agent or contacting our office directly

Getting protection here is easy: See exactly what's recommended for you—no more and no less—with our experienced agents. You might just find that a package with every insurance coverage available (what some refer to as "full coverage insurance") isn't always the best option. Buy only what you need, save on insurance and feel confident.

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Get an insurance quote from Option 1 Insurance Agency. Offering the best insurance at incredible prices.
305-901-9993

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CAR INSURANCE

LIABILITY
For: At-fault repairs & medical care


Bodily Injury and Property Damage Liability coverage protects you if you cause an accident; we pay for the other driver’s medical bills (passengers’ bills, too) and any damage. We even cover legal fees if you’re sued (rare, but it happens).