Securing Insurance for an Assigned Vehicle:
List Auto Help Corporation as Lienholder/Loss Payee
You must add Auto Help Corporation to the policy as a Lienholder/Loss Payee.  When securing insurance, you must have provide the name Auto Help Corporation to the insurance carrier, along with our address and state that Auto Help Corporation is the lienholder.  Auto Help Corporation must be listed on the policy and declaration page. 

Here's the address to give the insurance company:  7749 Normandy Blvd, #121-405, Jax Fl 32221.

List Auto Help Corporation as Additional Insured
Some insurance companies will allow you to add the Lienholder to the policy as both Lienholder/Loss Payee and Additionally Insured.  If the insurance company offers this option,  Auto Help Corporation must be additionally insured with you while also continue to be the Loss Payee.  

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.

​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.

​Loan Lease Payoff (LLP) 
Some insurance companies have LLP as an option that you can purchase or add to your policy.  If your insurance company offers this benefit, you must secure LLP.   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.
Secondary Coverages and Benefits that are Highly Recommended
Bodily Injury Liability
Bodily injury insurance 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.
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Towing Benefit 
It can be extremely comforting to know that if your vehicle is disabled that your insurance company has your back.  Insurance companies offer two basic methods of paying out a towing claim.  Complete a cost comparison and benefits analysis with our advising team to help you determine if this benefit and the extra cost is worth it or not. 

The best towing benefit will cover the cost of towing the vehicle immediately.  We recommend securing a towing benefit where you have no out-of-pocket costs.  The less attractive method insurance companies often offer is the..."wait-for-a-reimbursement".  In most cases they cap what they will pay and require you to pay the full bill upfront with promise to reimburse you.  

If your assigned vehicle is disabled, you must call us FIRST, we will provide assistance in ordering the tow of your vehicle.  

Rental Car Benefit
Having a rental car paid for by your insurance company when your assigned vehicle has been disabled, can be a huge benefit. 
Complete a cost comparison and benefits analysis with our advising team to help you determine if this benefit and extra cost is worth it or not.  Avoid the reimbursement model when possible and secure rental car benefits where the insurance carrier sends you to one of their rental agencies and pay for the rental.   

If your assigned vehicle is disabled and you are in a rental vehicle provided by the insurance company, you are required to continue paying the normal program payments. ​
The following insurance coverages are either required by the State of Florida or Optional coverages you can purchase... 
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.
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