What Does Liability Coverage do For You – Auto Insurance Tips

We all are cutting corners these days, but is it wise to cut back on your auto insurance coverage? First lets see what exactly Liability Insurance does for you.

Liability Coverage
is one form of coverage addressed in most automobile insurance policies. Liability insurance is the coverage that pays for injuries and damage sustained by a third party and/or their property for which you are responsible.

Bodily Injury Liability (BI)
Covers just that, other parties bodily injuries or death in case of an accident which you are responsible. It also protects you in case of a lawsuit and provides legal defense. This coverage is usually required. Be sure you have enough coverage in case something does happen and you have enough coverage so you do not have to pay out of pocket for medical bills, loss of income, pain and suffering, etc. Bodily Injury Liability does NOT cover you or other people on your policy. Coverage is limited to the terms and conditions contained in the policy. It is mandatory in most states.

Insurance that Covers Property Damage (PD)
This is coverage in case you cause an accident or damage to someone else property and will cover your vehicle as well. For instance, if you damaged another parties vehicle, mail box, a sign, statue, etc. Some insurance policies have split limits for bodily injury and property damage. If you select limits that are too low, you could be putting yourself at risk financially. Be sure to check what your insurance policy provider allows for these limits to be sure you have enough coverage.

Liability limits are one way to save money on your insurance policy, but you need to be very careful about how low you choose to go.
The lower your limits on your liability coverage the lower your premium will be and the less you will be covered by your insurance in case an accident does occur. This means you will be paying more out of pocket. This is definitely not a place to pinch penny’s, it could cost your thousands of dollars later.

Call us today to get your questions answered. 863-453-3903 or visit our website budgetbirite.com fill out the form and we will have an agent contact you within 24 hours.
We find insurance that meets every budget!

 

 

 

Photo Courtesy of bigjom at FreeDigitalPhotos.net

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Treats – Barbecue and Desserts For 4th of July

245 years ago America declared independence from Great Britain on July 4, 1776. Picnics, Party’s and heading to the beach will be on the agenda for some and for others because of the Covid-19, the celebration of Independence Day may be different this year.

Even if your staying at home why not bring out the yummy 4th of July Barbecue, Side Dishes, Salads, Desserts and decorations adorned in red white and blue to celebrate.

Check out our 4th of July Pinterest Board. We have delicious recipes for Bar B Que, Desserts, Side Dishes, Decoration’s and more fun.

Have a great 4th of July and remember to drink responsibly. Don’t drink and drive or let someone you know!

Happy 4th of July!

Photo Courtesy of JillWellington at Pixabay.com

Cook up this EASY Shrimp Pil Pil Pasta with Donal Skehan (Video)

Donal Skehan shows you how to make this spicy, delicious Shrimp and Pasta Pil Pil that you can make in no time. Just a few ingredients away from a yummy dinner!

Memorial Day Weekend On The Roadways Navigating Covid-19 and Travel Tips

We honor those who have fought for our country and died in military service. This weekend many people will visit cemeteries with some volunteers placing flags on the graves of the brave soldiers.

Find out more about Memorial Day Here

Are you getting away this Memorial Day weekend? According to AAA auto club more than 37 million people will travel over this Memorial Day weekend and nearly 6 million less than last year during the Covid.

AAA has provided a Travel Restrictions map with the latest information to help you plan your trip Here and safety information for travelers who are not vaccinated Here.

Here are a few tips to help you along the way:

DRIVE SAFELY
Drivers should be well rested and alert, use their seat belts, observe speed limits and follow the rules of the road. If someone is planning on drinking alcohol, they should designate a driver who won’t be drinking.

• Drivers should give their full attention to the road.
• Avoid distractions such as cell phones.
• Leave ample room when behind other vehicles.
• Use caution in work zones.
• Make frequent stops when traveling long distances.
• Clean the vehicle’s lights and windows, especially at night.
• Turn the headlights on as dusk approaches, or during inclement weather.
• Use high beams on rural roads unless approaching or following a vehicle.
• Refill the vehicle’s gas tank before it gets too low. If there is trouble with the car, pull as far as possible off the road.

PREPARE FOR THE UNEXPECTED
Travelers should pay attention to the weather forecast for their destination.
Travel and weather web sites can help them avoid storms and other regional challenges that could impact their safety. To be ready for unexpected problems:
• Carry an Emergency Preparedness Kit in the trunk.
• Pack high protein snacks, water, first aid kit, flashlight, a small battery-operated radio, an emergency contact card with names and phone numbers, extra prescription medications and important documents or information that may be needed.
• Travelers should let someone know their destination, route, and expected arrival time. If you get stuck along the way, help can be sent along the predetermined route.
If your traveling with a pet, here are some tips to make their trip more enjoyable.

Have a safe and very enjoyable Memorial Day Weekend!


Photo Courtesy of jkmoller11 at Pixaby.com

How To Grow a Container Vertical Vegetable Garden with CaliKim29 Garden and Home DIY (Video)

Do you have limited space for gardening? Check out this video with CaliKim over at CaliKim29 Garden & Home DIY on youtube.com. She shows you how to grow your vegetables in containers growing up on trellises and how to take care of them so you have a prosperous garden.

She uses grow bags which are becoming quite popular for the way they care for the root system of your plants. Read more about them here

Thank you Calikim for this great information!