Ocean Harbor Casualty Insurance Organization – Smart-Wave

Ocean Harbor Casualty Insurance Organization

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Mandatory coverage in Florida’s auto insurance regulation includes PIP and PDL, but Ocean Harbor Casualty Insurance also offers optional coverage to finish the protection. Considered one of the optional coverage possibilities is Uninsured Motorist, which pays compensations for policyholders’ injuries inside the party of the accident with anyone who has no auto insurance or insufficient amount of insurance coverage limit. Uninsured Motorist coverage also addresses medical expenses on account of hit-and-run occurrences.

Collision Coverage

If PDL handles the cost for damages policyholders trigger to others’ properties, Collision Coverage by Ocean Harbor Insurance handles mend or replacement charge for policyholders’ cars and trucks. It only applies when damages occur since of an accident with an additional vehicle.


Complementary to Collision, Comprehensive Coverage covers damages due to the fact of non-accident factors for examples fire, theft, vandalism, natural disasters, falling objects, animals, and all other losses of which the policy would not specify. Digital and seem products while in the motor vehicle is exclusions. Equally Collision and Comprehensive are offered for personal car, not rental or any car that policyholders use for a temporary substitute.

Roadside Assistance

Apart in the standard mandatory and optional coverage, Ocean Harbor Casualty Insurance offers 24-hour Emergency Roadside Guidance for an additional fee with either annual or 6-month payment option. This dispatch program is available for any car which the insurance policy specifies. Roadside aid includes a single emergency service for each and every 72 hours. The program covers the following providers:

· Battery Support: a booster battery that will help begin the vehicle

· Lockout Company: assistance through lost key or lockout situation

· Delivery Provider: the company delivers an emergency supply of fuels, oils, waste, and all necessities that can be handy for policyholders. Delivery provider handles the transportation, meaning policyholders choose the supply and pay for your merchandise.

· Mechanical Aid: it includes minor adjustments or very simple repairs to enable a motor vehicle.

· Towing Provider: Ocean Harbor Insurance provides free towing provider within 25 miles. If outdoors the distance limit, policyholders need to shell out to the variation.

Auto Rental Reimbursement

Ocean Harbor Auto Insurance also provides rental reimbursement option around

20 for any maximum of 10 times. It applies when policyholders’ motor vehicles are less than servicing or fix due to a collision.

Hit & Operate and Theft Protection

Ocean Harbor Insurance offers

500 rewards for anyone (other than policyholders) who files reports that direct to your arrest and conviction of anyone responsible for hit & operate damage or theft. The company gives the rewards to anyone on file with all the law enforcement.