Frequently Asked Questions

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Why should I use an independent insurance agency?

Knight Insurance is an independent insurance agency that has the advantage of being able to offer the best, most competitive insurance products, provided by a wide variety of top-rated insurance carriers. We fit your needs with the Insurance Company that best protects your assets. 

Is there a law in Florida that says I HAVE to carry auto insurance?

If you intend on driving, the answer is a very definite ‘YES!’  In order to drive legally within the state of Florida, you must secure automobile insurance.  The minimum coverage required is Personal Insurance Protection, more commonly referred to as PIP, and property coverage.  

What does Florida PIP cover?

Florida PIP (Personal Injury Protection) provides compensation to drivers of your vehicle in an accident, regardless of who was at fault.  This does NOT afford any protection for your vehicle or any damage to anyone else’s vehicle or personal property.

Does Florida law require me to carry bodily injury vehicle insurance?

Bodily Injury Liability (BI insurance) is not a requirement to drive a vehicle in the state of Florida.  However: Knight Insurance strongly advocates having this protection so you don’t lose your valued assets.

What’s the difference between collision and comprehensive coverage?

Collision covers the cost of repairing or replacing your vehicle after an accident.  Comprehensive covers expenses to repair or replace damage caused by other incidents, such as theft or storms.  An example of a comprehensive incident would be a cracked windshield caused by a stone being ‘kicked’ up by another vehicle. If you have this Protection you are entitled to a free windshield in FL.

What if my car gets stuck on a flooded road?

It would be covered under your auto policy as long as you had comprehensive coverage on the policy.  

What does it mean that you’re an Independent Insurance Agency?

It means that we can work for you without worrying about selling a particular insurance product provided by one specific insurance company.  A captive agency represents only one company and can offer only the products provided by that one company.  An independent insurance agency has the advantage of being able to offer the best, most competitive insurance products provided by a wide variety of top-rated insurance carriers.     

Do I need renter’s insurance if my landlord has insurance?

Yes, and here’s the reason why. Your landlord doesn’t care about your personal belongings. They are concerned about protecting their building and their own contents. You need renter’s insurance to protect your valued possessions. 

What’s the difference between replacement cost and actual cash value when it comes to my contents?

The replacement cost represents the payable value to replace your home’s contents at today’s prices following a loss.  Actual Cash Value (ACV) may also be described as depreciated value.

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