You must provide proof of the following coverages in order to get a vehicle through our program.
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Additional Insured & Lienholder/Loss Payee
You must add Auto Help Corporation to the policy as both Lienholder/Loss Payee and Additionally Insured. Auto Help Corporation must be additionally insured with you while also continue to be the Loss Payee. Auto Help Corporation must be listed on the policy. The following address should be listed also - 7749 Normandy Blvd, #145-405, Jax Fl 32221. Approved Coverages If you are going to use the vehicle for income generating purposes, like delivering food or ridesharing, you must provide proof of insurance with an endorsement from the insurance agent indicating that those activities are covered. If a claim occurs while conducting those activities and you did NOT tell the insurance agent then it is highly likely that the claim will be denied. The agent will email us the declaration page and endorsement with the specific "Activities" listed. You must tell the agent what you are going to use the vehicle for so they can ensure these activities are listed as approved or covered. Bodily Injury Liability Coverage You are required to have a minimum of 50/100 Bodily Injury Liability Coverage. Bodily Injury coverages will cover you and Auto Help Corporation in case of an accident where the parties in the other vehicle are injured and need medical attention. The insurance company will represent you and Auto Help Corporation in court if those injured parties decide to sue. The minimum requirement is 50/100 but we will request 100/300. If the cost for the 100/300 is not much greater than for the 50/100 we will instruct the agent to go with the 100/300. This coverage provides $100k per person and $300k per accident in bodily damages protection, $50k and $100k respectively. Comprehensive Coverage You are required to have Comprehensive Coverage on your policy. Comprehensive covers losses for the vehicle for reasons other than collision. This includes fire, theft, vandalism, wind, hail, breakage of glass, or impact with an animal. This type of coverage will require a $250 deductible. Collision Coverage You are required to have Collision Coverage on your policy. Collision covers any damages to the vehicle caused by a collision with another vehicle or object. This type of coverage will require a $250 deductible. Towing Coverage You are required to have Towing Coverage on your policy. This will cover the cost of towing the vehicle if it becomes disabled. If you need this service you call us FIRST, we will provide assistance in ordering the tow of your vehicle. If you have a "reimbursement" benefit, we will pay for the tow and coordinate with your insurance carrier for reimbursement. Rental Coverage You are required to have Rental Coverage on your policy. Depending on which insurance carrier you have, this may be a Reimbursement Coverage OR the carrier may connect you with one of their rental agencies and pay for the rental. Even though the insurance company will reimburse Auto Help Corporation, you are required to continue paying the normal daily/weekly program payment. Loan Lease Payoff (LLP) You are required to have Loan Lease Payoff Coverage on your policy. The LLP coverage must be in place to provide coverage to Auto Help Corporation in case of a covered claim where your vehicle is determined to be a "Total-Loss". The insurance company will pay Auto Help Corporation the "Actual Cash Value" of the vehicle plus up to an additional 25% more. The insurance company will use the Kelly Blue Book (KBB) value a distinctively different value than the ACV. Using KBB not ACV plus 25% will increase the over-all payout toward what you owe on the vehicle. |
Contact the following Agents to go over these insurance coverages...
Joe Manuse
(954) 868-0003 - Mobile
Gross Insurance
joemanuse@msn.com
Connie Blair
(904) 384-4545 - Office
(904) 434-9381 - Mobile
A&C Insurance Agency
ancinsurance@comcast.net
If you don't reach either insurance agent immediately, leave them both a voice message asking them to call you back. Let them know that you are purchasing a vehicle through our program and that you are with the We Help Foundation and Auto Help Corporation. Wait for them to contact you back. If you can't reach either of these agents by phone, then send them a text message. If you are unable to make contact with either agent within 4 hours of attempting, contact us and let us know.
Joe Manuse
(954) 868-0003 - Mobile
Gross Insurance
joemanuse@msn.com
Connie Blair
(904) 384-4545 - Office
(904) 434-9381 - Mobile
A&C Insurance Agency
ancinsurance@comcast.net
If you don't reach either insurance agent immediately, leave them both a voice message asking them to call you back. Let them know that you are purchasing a vehicle through our program and that you are with the We Help Foundation and Auto Help Corporation. Wait for them to contact you back. If you can't reach either of these agents by phone, then send them a text message. If you are unable to make contact with either agent within 4 hours of attempting, contact us and let us know.
The following insurance coverages are either required by the State of Florida or Optional coverages you can purchase...
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Basic Personal Injury Protection or PIP
Basic PIP coverages are required by the State of Florida. The minimum PIP required by law is $10,000. PIP coverage pays 80% of reasonable medical expenses, 60% of lost wages and all reasonable expenses for replacement services, such as child care, housekeeping or yard work, and $5,000 for death benefits. *Ask about the benefits of having "extended PIP" coverages. Property Damages Coverage This coverage is required by LAW in the State of Florida. Coverages can range from $10k, $25k or $50k. Uninsured Motorist Coverage Uninsured Motorist Coverage is optional and is not required by state law. This covers you, your resident relatives, and the passengers in your covered vehicle. This coverage only applies if it is determined that the other driver is at-fault and has insufficient or no liability coverage. *Ask about the benefits of having Uninsured Motorist Coverages. Medical Payment Coverage This coverage is optional and is not required by state law. Covers you or anyone in your car in case of an injury, will pay medical related payments after your PIP is exhausted and will pay if the other party has insurance or not. *Ask about the benefits of having Medical Payment Coverages. |
If you have a policy in place and are unable to secure the required coverages or comply with the insurance mandates, contact Connie to coordinate migrating to the insurance carrier she can secure for you.