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Why do I need auto insurance?
In order to protect yourself and your car in the event of an accident, it is important to purchase auto
insurance. Not only is it important for your own protection, but it is also required by law in most states. It
provides you with a safety net in the event of damages or loss. The different types of coverage include
bodily injury, property damage, collision, comprehensive, medical payments, personal injury protection and
uninsured motorist.
Why should I buy from AAA?
AAA Insurance Agency's auto rates could be much less than the rates you are paying now. We represent
many reputable companies including our own ACSIC, Travelers, MetLife Auto & Home, Progressive, and
CNA. If your insurance rates keep climbing and you're not sure why, take the time to talk to us. We'll provide
you with personal one-on-one attention, not just a voice on the phone. Then we'll evaluate your current auto
insurance policy and provide you with a free quote with no obligation. It doesn't get any easier!
What is a deductible?
The amount you must pay out-of-pocket before your insurance pays anything.
What is liability?
Liability insurance coverage provides for bodily injury and/or property damage caused by you. Limits of
liability coverage selected should reflect the assets you stand to lose in the event you are held legally liable.
Example:
Due to heavy rains you are unable to stop before hitting the car in front of you, causing bodily injury damage
of $25,000 and property damage of $10,000. If your limits are inadequate to provide for the damages, your
assets would then be at risk.
What is Personal Injury Protection (PIP)?
This is a broader version of the medical payments insurance. It pays for medical care, lost wages and
replacement services for the injured party, and pays regardless of fault.
What is Uninsured Motorist (UM)?
It pays the costs of any damages and injuries that result from being hit by an uninsured motorist or a hit-and-
run driver. Both you and your passengers are covered for medical expenses and lost wages.
What is Underinsured Motorist (UIM)?
It pays for damages that exceed the amount of coverage carried by an uninsured driver. You choose the
limit when you purchase this coverage.
What is Collision?
Collision pays for damage to your vehicle that results from colliding with another vehicle or object, or if your
vehicle rolls over. Your vehicle is covered no matter who causes the accident.
What is Comprehensive?
It pays for damage to your auto caused by something other than a collision, such as theft, vandalism, fire,
flood and hail.
What are Medical Payments?
Medical payments cover the cost of doctors, hospitals and funeral expenses for you and/or your passengers
that result from an accident - regardless of fault. This insurance will protect you when you drive another
person's car (with permission), or if you or your family are hit when acting as pedestrians.
What is No Fault Insurance?
Each person's insurance company pays for certain financial losses, such as medical or lost wages,
regardless of fault. In exchange for these benefits, the right to sue may be restricted.
AAA Auto Club South Privacy Policy
At AAA Auto Club South, maintaining your trust and confidence is our top priority. We do not sell or rent
nonpublic personal information about our members or former members. We do not share non-public
personal information about our members or former members with companies outside of AAA, except
where required or permitted by law. We carefully manage and safeguard information among our
companies and affiliates, based on your membership or other relationships with AAA Auto Club South,
in order to provide you with unsurpassed service, greater convenience and superior value.
Sources from which we may collect nonpublic information about you include: information we receive
from you on applications or other forms in writing, via facsimile transmission, by telephone, by
electronic means including e-mail and our website, or by other means of communication; information
resulting from your transactions with us, our affiliates or others; information resulting from entitled
services that you have received from us, our affiliates or others; information obtained from
governmental sources, such as your driving record and claims history (insurance clients); and
information obtained from non-governmental sources, such as demographic data used for marketing
purposes.
We may disclose personally identifiable information about you to persons or organizations within or
outside of the AAA Federation as permitted or required by law including companies that perform
marketing services for us or with whom we have joint marketing agreements. These agreements allow
us to extend the value of your membership or provide you with special savings. Information will
normally be limited to name, address, telephone number, membership or customer number and Club
tenure. Under certain circumstances, additional information will be provided to appropriate third parties
with your consent or at your direction, such as when you apply for a loan, request a quote for insurance
or, as necessary, to perform other services. Information will also be disclosed, if necessary, to effect,
administer or enforce a transaction, benefit or service that you have requested or authorized or to which
you are entitled. This includes such information as the description, location and license number of your
vehicle, as well as your telephone contact number and other information deemed necessary to provide
you with emergency road service. Information may be shared among the Club’s corporate affiliates and
subsidiaries, other AAA Clubs and the AAA National Office. Other third parties with whom information
may be shared include, but are not limited to, emergency road service contractors, AAA Approved Auto
Repair facilities, travel service providers, financial service providers, insurance support organizations,
insurance agents, claims representatives, independent contractors, courts and governmental agencies.
We restrict access to your nonpublic information to those employees who need such information in
order to provide products or services to you. In compliance with federal regulations, we maintain
physical, electronic and procedural safeguards designed to guard and prevent misuse of your nonpublic
personal information.
Internet Privacy Policy
AAA is committed to honoring the privacy of the users of the AAA Enhanced Services Web Site, which
includes any personally identifiable information. AAA will utilize any information collected to better
understand its users' needs and provide better service. In addition, AAA will use the information it
gathers to improve the content of the Web site. If any personally identifiable information has been
volunteered, AAA may utilize that information to notify users about updates to the Web site and/or
contact users for marketing purposes. The information that is personally identifiable will not be shared
with or sold to any other organizations for commercial purposes.
Below is a list of non-volunteered information that will be collected automatically when visiting the AAA
Enhanced Services Web Site:
The referrer (the site prior to entering the AAA Web site)
The IP address of the workstation
Date and time logged in and out
Pages visited while on our site
Time spent on each page
Files downloaded
Criteria used when searching
If the user supplies their telephone number online, they may be contacted by AAA regarding orders
placed online. Please be sure to provide AAA with the correct phone number.
Using the automatic log-in function of this website will cause a cookie to be written to the PC in use at
the time. Cookies are small text files which store an encrypted version of your user ID and password.
When you come back to this site, this information will be used to automatically log you into the web site
using a secure connection. The cookies will not store any information that will be used for tracking or
advertising.
To avoid any solicitations from AAA as a result of establishing a User ID on this website, please click on
"My Account" at the top of this page and set your communication preferences (email, telephone, and/or
mail) under the "Opt In/Opt Out" tab.
What is Real Property?
Real property is your home, garage, shed or any other structures on the property. The value is generally
based on the value of the main structure - the house itself.
What is Personal Property?
Personal property encompasses all the items inside the house, from the dining room to the closet or kitchen
sink.
What does Homeowner's Insurance protect against?
It generally protects against loss due to fire, lightning, theft, smoke, falling objects, etc. Up to 18 perils are
covered.
How much coverage should I have?
The amount of coverage you have on your home is usually determined by your mortgage company and
insurance company formulas. Generally, your contents are covered up to half the value for which your home
is insured. For example, if your home is insured for $200,000, the contents are covered up to $100,000.
When you are trying to determine the amount of coverage you need, you should first take inventory of all
your household items. Record the name, approximate value and purchase date. You may also want to take
photos or videotape particularly valuable items. Don't forget to update your list occasionally, as you make
more home purchases.
What is replacement cost?
Replacement cost insures the rebuilding of your home in the event of a total loss due to an insured peril. It
also provides for the replacement of those items damaged by an insured peril, without regard to the age of
the items.
For example, your five-year-old TV set that was damaged by fire would be replaced with like, kind, and
quality at today's cost. In essence, replacement cost offers you "new for old."
What is market value?
The actual dollar amount, including the value of the land, that your home would sell for.
What is personal injury coverage?
Provides for libel, slander, defamation of character, etc., not for bodily injury.
What is actual cash value?
It is the replacement cost of the items minus depreciation. For example, a TV set that cost $800 when new
may now have a value of $500 due to the age of the item.
What is Personal Property? What kinds of discounts are available?
What does Mobile Home Insurance protect What is replacement cost?
against? What is market value?
How much coverage should I have? What is personal injury coverage?
Why should I buy from AAA? What is actual cash value?
What is Personal Property?
Personal property encompasses all the items inside the Mobile Home, from the dining room to the closet or
kitchen sink.
What does Mobile Home Insurance protect against?
It generally protects against loss due to fire, lightning, theft, smoke, falling objects, etc. Up to 18 perils are
covered.
How much coverage should I have?
When you buy a Mobile Home, you need enough insurance to protect the structure and your personal
possessions in the event of a loss. Based on the particular specifications of your unit, your agent should be able
to help you determine the replacement value of your home, excluding land. Generally, your contents are covered
up to half the value that your home is insured for. This amount may be increased for an additional premium.
What is replacement cost?
Replacement cost insures the rebuilding of your home in the event of a total loss due to an insured peril. It
also provides for the replacement of those items damaged by an insured peril, without regard to the age of
the items.
For example, your five-year-old TV set that was damaged by fire would be replaced with like, kind, and
quality at today's cost. In essence, replacement cost offers you "new for old."
What is market value?
The actual dollar amount, including the value of the land, that your home would sell for.
What is personal injury coverage?
Provides for libel, slander, defamation of character, etc., not for bodily injury.
What is actual cash value?
It is the replacement cost of the items minus depreciation. For example, a TV set that cost $800 when new
may now have a value of $500 due to the age of the item.
FLOOD
The Facts on
Floods
You don't have to live near water to
be at risk for flooding. Consider this:
75 percent of all presidentially
declared disasters in the U.S.
are flood related.
1 out of 4 flood insurance
claims are filed by
homeowners in low-to-
moderate risk areas.
Flooding is the most common
and widespread of all the
natural disasters.
Homeowners insurance does
not pay for damages caused
by floods.
Government assistance for
floods often comes in the form
of grants or loans, repayable
by you with interest.
>> More
When flood waters begin to rise, it’s too late to protect your home and property. Thousands of people who
have experienced flood losses in recent years had no flood insurance because they never thought they
would need it.
For one low, annual premium, a flood insurance policy under the National Flood Insurance Program (NFIP)
will protect your home and belongings. Please note: There is a 30-day waiting period before any new flood
policy can take effect.
Most people invest a major part of their income in their homes. Protecting valuable assets from loss should
be your priority, so don't wait until your hear of an impending storm to purchase flood insurance.
FORM LAYOUT
Name
Prefix: First name: Mi. Last name: Suffix:
RAFAEL TORRES
* *
General Information
AAA Membership #: 176816250
Street Name and 2517 GOdVIEW ST
Number: *
Apartment/Unit/Lot
Number:
City: LAKELAND
*
County: *
Please note: Insurance quotes
State: FLORIDA
* can only be provided to drivers residing in FL,
GA and TN.
ZIP/Postal Code: 33801
*
Phone Number (home): 863 666 1615
- - *
863 688 7921
- -
Phone Number (work):
ext.
E-mail: RTORRES7@TAMPABAY.
*
Primary Residence: Please Select
How did you hear about
Existing Policies
Name of Current Insurance Company: *
Choose Month
/ /
Expiration Date of Current Policy:
*
Is Your Current Policy in Force?: Yes No *
Current Annual Premium: *
Years with Current Company: *
Has your car insurance ever been cancelled or not renewed? Yes No *
Do you have any existing insurance policies through AAA Auto Club
South Insurance Agency? Yes No *
Number of Drivers/Vehicles
How many licensed operators reside at your residence? *
Number of vehicles to be insured: *
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