What Areas Does Ocean Harbor Auto Insurance Serve?

As of 2015, Automobile insurance from Ocean Harbor Casualty Insurance Company, underwritten by Pearl Holding Group, serves customers throughout Florida, according to Pearl Holding Group. In 2013, the company expanded its reach into Hawaii and New York, notes Insurance Advocate.

Ocean Harbor Casualty Insurance Company sells liability, personal injury protection, uninsured motorist, collision and comprehensive coverage with it insurance policies, says Pearl Holding Group. Liability coverage means the policy covers a driver's liability with respect to property damage and bodily injury to others. This type of policy does not cover damage to a car the driver owns. Personal injury protection includes payments for up to 80 percent of medical expenses and 60 percent for loss of income as a result of an automobile accident. Florida law requires personal injury protection and liability coverage for car insurance.

Uninsured motorist coverage pays for bodily injuries due to the negligence of others when that other party has no liability insurance or cannot pay for damages incurred from that negligence, according to Pearl Holding Group. This insurance also covers hit-and-run accidents. Collision coverage takes into account someone hitting other objects and damaging an owner's vehicle. Comprehensive coverage goes into effect when fire, theft or other direct losses happen to a car. Comprehensive and collision policies do not extend to rental vehicles used while an owner's car remains out of service due to breakdown, repair, loss or destruction.