Auto Insurance

GoldenTrust Insurance offers a wide range of auto insurance options tailored to meet the needs of all drivers in Florida. Their policies range from basic and personal protection to more comprehensive coverage for high-net-worth individuals and classic car owners. They also provide insurance for motorcycles, boats, jet skis, RVs, ATVs, and trailers.

What Does This Insurance Cover?

Liability Coverage

Pays for property damage and medical expenses for others when you're at fault in an accident.

Collision Coverage

Covers repairs to your vehicle after an accident. If the car is totaled, it pays the vehicle's full value.

Comprehensive Coverage

Covers non-collision-related damages such as theft, vandalism, and natural disasters.

Personal Injury Protection

Helps cover medical costs for you and your passengers after an accident, regardless of who is at fault.

Uninsured/Underinsured Motorist Coverage

Offers protection if you're hit by a driver who doesn't have insurance or whose insurance is insufficient.

What Is Not Covered?

Intentional Damage

Insurance is meant for accidents, not for damage you cause on purpose. If someone damages their own car intentionally, it's considered fraud—and no insurance company will cover that.

Normal Wear and Tear

Cars naturally wear out over time—brake pads, tires, or the engine might break down. These are maintenance issues, not accidents. Insurance only covers sudden events, not regular upkeep.

Undisclosed Commercial Use

If you're using your car for work (like Uber, delivery, etc.) but didn’t report it, you’re increasing the risk without paying the proper premium. That’s why personal auto insurance doesn’t cover commercial use unless it’s declared.

Driving Under the Influence (DUI)

If you're driving under the influence of alcohol or drugs, you're violating the law and putting others at serious risk. Insurance companies will usually deny claims in these situations because it’s considered reckless behavior.

Illegal Activities or Racing

If an accident happens while you're drag racing or committing a crime, your insurance won’t cover it. These actions are against policy rules and increase the risk far beyond normal driving.

Key Benefits

Affordable Policies

GoldenTrust partners with top insurance companies to provide low-cost coverage that fits individual customer needs.

Coverage for Multiple Vehicle Types

Protect not just your car, but also your motorcycle, boat, RV, ATV, and more—with one trusted provider.

Personalized Support

Expert agents help clients understand their options and choose the best plan.

FAQs

What types of vehicles are covered by GoldenTrust Insurance?

GoldenTrust Insurance provides coverage for a wide range of vehicles including cars, motorcycles, boats, jet skis, RVs, ATVs, and trailers.

Does the auto insurance include roadside assistance?

Yes! GoldenTrust Insurance offers roadside assistance with its auto policies to help with breakdowns, flat tires, and other emergencies on the road.

How can I get a quote for auto insurance?

You can request a quote by visiting GoldenTrust Insurance’s website and using their online quote tool, or by calling one of their agents for personalized assistance.

Are there any discounts available for auto insurance policies?

GoldenTrust works with top insurance providers to offer the best possible coverage at the lowest prices, including potential discounts tailored to your specific needs.

How do I file a claim after an accident?

To file a claim, contact GoldenTrust Insurance directly at (305) 901-0601. One of their agents will guide you through the process and provide the support you need.