Del Toro Insurance

July

Another of our best managers leaves the corporate world behind and takes a new step in her career path now as a business owner. Welcome to the Del Toro family.

July

One of our best managers leaves the corporation world behind and takes a new step in her career path now as a business owner. Welcome to the Del Toro Family.

July

We are proud to see how this family has chosen to join our Distinctive Franchise System as a life project. We're here to support you every step of the way to success. Welcome to the Del Toro Insurance Family.

July

One of our Managers at Del Toro Insurance has just joined to our Distinctive Franchise System becoming in the owner of her own business !!! Congratulations on this great partnership!!.

July

A Friday 12th of wonderful news!! A new franchisee joined our Distinctive Franchise System. The Chilean Community Welcome to the Del Toro family!.

July

On the eve of July 4, what better news than continuing to expand our Distinctive Franchise System in West Palm Beach. Welcome to the Del Toro family.

June

Second new franchisee of this blessed Tuesday, join our Distinctive Franchise System. Welcome to the Del Toro family.

June

Another new franchisee has joined right now to our Distinctive Franchise System. Welcome to the Del Toro family.

June

Just a few minutes ago, a new franchisee joined our Distinctive Franchise System. The Ecuadorian community welcomes the Del Toro family.

June

The family continues to grow, minutes ago other new franchisees have just joined our Distinctive Franchise System. Welcome to Del Toro family.

June

Today, as part of our participation in the Annual Convention of the Florida Association of Insurance Agents (FAIA) held in Orlando, Del Toro Insurance held a seminar this morning to promote the growth of the insurance industry through franchises. Entrepreneurs and business owners participated in the event.

May

Taking a big step and adding new services, two entrepreneurial businesswomen join our family. Welcome Gordon & Oropeza to Del Toro Insurance family.

Del Toro Insurance 25th Anniversary

Del Toro is a family business and that has defined much of the path it has traveled to this day. The main reason for starting out in this industry has been to contribute to a community that needs us and with which we feel an eternal commitment. Growth would not have been possible without the support and permanent exchange with our community whom we have tried to serve with immense respect.
On the other hand, we have tried to provide a service that is also deeply rooted in family values because we consider that targeting the well-being of families in a society that is transforming day by day is essential. We have simply delivered transparency, honesty, trust and loyalty, which I believe have really been the key to being able to treasure the preference of our clients over the years.
Time really passes very quickly. We began our journey in a small office located in the west of the county. Today we are a solid company with a commercial presence throughout the state of Florida and an increasingly large group of franchisees who have opted to be part of the Del Toro family, making our business model their own. To our pride, the vast majority have been families that have turned to entrepreneurship and that, today, replicate those values of transparency, honesty, trust and loyalty to their clients.

Insurance Terms and Glossary

Personal Injury Protection (P.I.P.):

This covers you, your family members and certain others, for bodily injuries resulting from auto accidents, without regard to fault. Payments are for 80% of medical expenses, 60% for loss of income, replacement household services and (if the limit has not been exhausted by other benefits) a death benefit. Personal Injury Protection is also required under Florida law. The principal exclusions for this coverage are injuries sustained in autos you or your family members own, which have not been specifically covered under the policy, and injuries to other vehicle owners required by law to have their own coverage.

Liability Coverage:

This covers your legal liability for bodily injury to others (Bodily Injury Liability) or damage to their property (Property Damage Liability). Florida law requires you have Property Damage Liability coverage. The principal exclusions (items not covered by your policy) for this coverage are: (1) autos owned by you or furnished or available for the regular use of you or your family members , which have not been specifically covered under the policy, (2) vehicles with less than 4 wheels, and (3) claims for injured members.

Medical Payment Coverage:

This coverage supplement the medical expense reimbursement of PIP coverage and provide basic coverage in situations where PIP does not pay. The principal exclusion's are similar to those for liability coverage.

Uninsured Motorist Coverage:

This coverage pays for bodily injuries to you, family members and certain others, resulting from the negligence of others. It pays when the at-fault party has: no liability insurance, or liability coverage with limits not adequate to pay for the damage incurred, or if injuries result from a hit-and-run vehicle. Your coverage may be "Stacked" or "Non-stacked". The principal difference between these two forms is that the total amount of protection under the stacked form is the sum of the limits applicable to each vehicle insured, whereas under the non-stacked form the limit stated applies per accident regardless of how many vehicles you own or insure.

Collision:

This covers damage to your car resulting from upset or impact with another object.

Comprehensive:

Provides coverage for damage to your car resulting from fire, theft and other direct losses not excluded. The principal exclusions are for damage to certain electronic and sound equipment; tapes and others media; radar detector; undeclared camper bodies; and van pickup customized equipment.

Other Coverage:

In addition, your policy may contain other endorsements which add or broaden coverage, as indicated by their titles. The principal endorsements which may be found is towing and labor cost.

Renewal and Cancellation Provision:

You may cancel your policy at any time after it has been in effect for 60 days. During the first 60 days of your policy, you may cancel only if you dispose of the vehicle or it is total loss, or after the purchase of another policy covering the motor vehicle which was covered under this policy. Under conditions where the law permits us to cancel or refuse renewal of your policy, we must give you advances notice as follows: (1) 10 days for cancellation because of nonpayment of premium; (2) 45 days for cancellations for any other reason; (3) 45 days if we refuse to renew.