Auto Insurance

Valek Insurance Has Been Providing The Best Car Insurance Sarasota Residents Can Buy.

Offering a full line of auto insurance coverage from some of the nation's best carriers, Valek insurance will review policy quotes from multiple auto insurance carriers to find the best value and coverage.

Valek Insurance can help build you a customized policy for many different types of vehicles, including: Auto / Motorcycle & ATV / Boat / RV / Business Usage Auto / Travel Trailer/

Valek Insurance can save you money with great discounts, including:

• Safe Driver Discount
• Good Student Discount
• Multi-Vehicle Discount
• Paid-in-Full Discount
• Existing Insurance Coverage Discount And More!

Car insurance coverages can be complicated, but the experts at Valek Insurance make decifering the fine print easy . Call Valek Insurance and we will make it easy for you to understand the coverages, deductibles and limits and how they can work for you.

Auto Insurance Coverages:

With Valek Insurance and Bonds you can be sure you get the coverages you need including:

Collision Coverage

• Collision coverage pays for damages if your vehicle overturns or if it collides with another vehicle or object.
• Collision coverage is subject to a deductible amount that you choose. The most frequently selected deductible amount is $500.
• Select a deductible amount that you are comfortable with — if there is a Collision claim on your policy, this will be the amount you’ll generally be required to pay.

Comprehensive Coverage

Comprehensive coverage pays for damage caused by an event other than a car collision, such as fire, theft, vandalism, hail or flood. Comprehensive coverage also covers damage from hitting an animal and covers the cost of a rental if your car is stolen. Comprehensive coverage is also subject to a deductible amount — usually the same amount you choose (but not necessarily) for Collision coverage.

Liability Coverage

Bodily Injury and Property Damage (BI/PD) liability covers your legal liability, up to the limits you select, for damages caused in a covered vehicle accident. If you are involved in an accident for which you’re sued, the carrier pays for an attorney to defend you.

You choose your liability limits as either Split Limits or a Combined Single Limit (CSL). Split Limits divide Bodily Injury liability limits per person and per accident. (For example, $100,000/$300,000 means that we will pay for up to $100,000 for Bodily Injury liability per person in a covered crash and up to $300,000 per crash.) For Property Damage, we pay up to the limit you select per accident. CSL combines your liability coverage into one total limit per accident ($300,000).

Personal Injury Protection

Personal Injury Protection (PIP) is available in certain states, including Florida,  and is commonly referred to as “no-fault insurance.” In Florida, PIP covers your medical bills and lost wages, subject to your choices within this coverage. PIP usually also covers the cost of personal services you must pay someone else to do for you as a result of a car accident.

Medical Payments

Medical Payments coverage applies no matter who is at fault and covers the cost of reasonable and necessary medical care provided to you as a result of a car accident or involving an automobile.

Uninsured/Underinsured Motorist

Uninsured/Underinsured Motorist coverage pays for damages that you are legally entitled to recover for your bodily injury. In general, this coverage provides what you would have received from the other person’s insurance company if that person had insurance. This coverage may also protect you if the person who caused the damage does not have enough insurance.

Rental Reimbursement

If you buy Rental Reimbursement coverage, the carrier will reimburse you for rental car charges incurred while your vehicle is being repaired after a covered accident. You can only buy Rental Reimbursement coverage if you buy Collision and Comprehensive.

Roadside Assistance

Roadside Assistance covers labor costs incurred at the place where your vehicle becomes disabled as a result of a mechanical/electrical breakdown, dead battery, flat tire, and/or lock-out. It will also help if you run out of gas or other fluid or become stuck in snow or mud within 100 feet of a road or highway. If necessary, Roadside Assistance will cover towing to the nearest qualified repair facility.

What To Do If You Are In An Auto Accident.

1. Remain At The Scene And Do Not Admit Fault.
2. Call The Police To Report The Accident.
3. Exchange Information With The Other Driver, Including Name, Address, License Number And Insurance Company.
4. Do Not Discuss The Details Of The Accident With Anyone Except The Police And Your Claims Representative