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O’Neal & Associates Insurance Car Insurance – Jacksonville, Florida

O’Neal & Associates Insurance Car Insurance - Jacksonville, Florida

Need Car Insurance in Jacksonville, Florida? Driving through Jacksonville’s vibrant streets, whether navigating downtown or enjoying coastal highways, requires more than a reliable car. You need the peace of mind that comes with having the right car insurance coverage to protect you from the unexpected. O’Neal & Associates Insurance offers comprehensive car insurance solutions tailored to meet the unique needs of Jacksonville residents.

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Why You Need Car Insurance in Jacksonville

Jacksonville, a major metropolitan area, experiences heavy traffic daily. With more vehicles on the road, the risk of accidents increases. Comprehensive car insurance can provide financial protection against the costs associated with collisions, including vehicle repairs, medical bills, and legal fees.

Minimum State Coverage Requirements in Florida

In Florida, all drivers must carry car insurance. Failing to do so can result in severe penalties, including fines, suspension of your driver’s license, and vehicle registration. The minimum required coverage includes:

  • Personal Injury Protection (PIP): Covers 80% of medical expenses up to $10,000 and 60% of lost wages, regardless of fault.
  • Property Damage Liability (PDL): Covers damage you cause to someone else’s property, with a minimum requirement of $10,000.

Expanding Your Car Insurance Coverage with O’Neal & Associates

O’Neal & Associates Insurance understands that every driver has unique needs and preferences. That’s why we offer a wide range of coverage options to choose from:

  • Liability Coverage: Essential and required by law, it covers costs if you’re at fault in an accident.
  • Collision Coverage: Pays for repairs or replacements if your car is damaged in an accident, regardless of fault.
  • Comprehensive Coverage: Protects against non-collision damages like theft, vandalism, natural disasters, and falling objects.
  • Uninsured/Underinsured Motorist Coverage: Crucial protection against drivers who lack insurance or insufficient coverage.
  • Personal Injury Protection (PIP): Helps pay for medical expenses, lost wages, and other costs if you or your passengers are injured in an accident, regardless of fault.

Additional Coverage Options:

  • Roadside Assistance: Provides peace of mind with services like towing, jump-starts, and flat tire changes.
  • Rental Car Reimbursement: Covers the cost of a rental car while yours is being repaired due to a covered loss.
  • Gap Insurance: Particularly useful for financed or leased vehicles, it covers the difference between your car’s actual cash value and the remaining loan/lease balance if totaled.

Why Choose O’Neal & Associates Insurance?

  • Local Expertise: With years of serving Jacksonville, we understand the unique driving conditions and insurance requirements of the area.
  • Wide Range of Coverage Options: We offer a variety of options to fit your needs, from basic liability to comprehensive protection.
  • Competitive Rates: We work with multiple carriers to offer affordable rates without compromising coverage.

Secure Your Free Quote Now!

Ready to discover the advantages of O’Neal & Associates Insurance Car Insurance? Reach out today at 478-788-1104 or fill out a quote request to explore our range of coverage choices. Trust O’Neal & Associates Insurance Car Insurance in Jacksonville, Florida to protect you and your vehicle on the roads.