Safety Tips – Driving on Flooded Roads in Florida

July and August bring on the rainy season in Florida with many thunderstorms and lots of rain pouring down in a short amount of time. This can cause street flooding quickly. When driving in rain, drive slower than normal and be aware of other drivers who may lose control and slide into your car on slick roads. The day can turn cloudy and dark suddenly, put your lights on to make it easier for other to see you. Driving through water can cause you to get stuck and may ruin your car.

Learn more about what this does to your car and other tips – Driving Through Flooded Streets Causes Unseen Damage to Your Car

Check out this video taken in winter time in Florida when these storms and heavy rain are not so popular!

 

 

 
Flooding Overtakes South Florida Streets

  
Have questions about flood insurance? Contact us today at 863-453-3909 or visit our website Here.
Stay safe!
 
 
 
 
Photo Courtesy of darylaim at Pixabay.com

 
 
 
 

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Helpful Tips for What To Do If Your In An Auto Accident

ID-10076578Your fault not your fault, accidents happen. As much as we prepare, getting auto insurance, wearing our seat belt, taking a defensive driving course, we also need to be prepared for what to do on the scene when an accident happens to you.

Immediately stop your vehicle or do not move it from the place it has stopped.

As hard as it may be at this time, keep calm. The leg work you do at the scene will help you later in case of any disputes.

Check yourself and your passengers for injuries. Call the police immediately.

Check the other vehicle for injuries to report them as well if they have not or are unable to call.

Use a camera or your cell phone to take different angles of the accident with all the cars involved, damage to your vehicle, the accident scene for traffic lights, signs, etc.

Notify your insurance agent and/or your insurance company right away.

You should also be aware of things NOT TO DO

Do Not – Argue with other drivers and passengers. Give your statement to the police and your insurance company.

Do Not – Sign statements regarding fault or promises to pay for damage.

Do Not – Sign anything releasing the other party from further responsibility. Example: If another party offers to pay your deductible.

By releasing the other party, you jeopardize your insurance company’s right, which may lead to the company refusing to pay for damage to your car.

 

 

 

 

 

Photo Courtesy of Naypong at FreeDigitalPhotos.net


Travel Tips For Memorial Day Weekend On The Roadways

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 over “41.5 million people will travel over the Memorial Day weekend which is 4.8% more than last year and seven out of eight of those travelers will be driving.
If you are one of those seven out of eight traveling on the road, here are a few tips:

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 someone is traveling with a pet, here are some tips to make their trip more enjoyable right here.

Have a safe and very enjoyable Memorial Day Weekend

 

 

 

 

Photo Courtesy of jkmoller11 at Pixaby.com


When and Why You Would Need Temporary Auto Insurance

Where a normal insurance policy is not always needed, temporary insurance can be purchased. It is usually used for a short period of time hence “temporary”.

This type of insurance can be a bit more costly then regular insurance but well worth it in case something could happen to the vehicle.

Here are some reasons why you would want to purchase temporary insurance.

Heading out on a vacation? Temporary insurance is a good idea if you are going to be driving a vehicle which is not yours, or a rental car to avoid some high rental company insurance fees. Check to see if your current auto policy covers rental cars, if not you may need the temporary auto insurance. Business travelers may purchase temporary auto insurance in conjunction with car rentals for work purposes.

 

Your son or daughter are home from college and needs to use your car or truck. Although the temporary auto insurance policy is more expensive than regular coverage on a month to month basis, using it for these limited periods can sometimes be far less expensive than including the student on a family’s policy.

Moving to a new home with friends helping out, and possibly driving your vehicle’s is another reason to be covered while in transit.

In each of the above situations, or in any circumstance you are buying a temporary auto insurance policy, be sure to check with your auto insurance company. Sometimes, temporary drivers of a vehicle may already be insured through the regular policy on the vehicle and your insurance may already cover you for Car Rentals.

Note that it is usually not possible to purchase temporary policies for situations where an individual is living in the same house as the policyholder.

Call us today to get your questions answered. 863-453-3903

 

 

 

Photo Courtesy of everydayplus at FreeDigitalPhotos.net


Tips for Insuring Antique and Collectible Vehicles

id-100425130As an owner of an antique car or truck, you should know what your auto policy can do and not do for you versus a collectible vehicle.
To have a policy on an antique vehicle the age of that car or truck must be at least 30 years old and the coverage will be determined by the condition and what the owner plans to do with it. There are limitations for this type of coverage in how much the car or truck will be driven.

With an antique coverage policy there is do not drive clause on a regular basis or the vehicles are meant for display only. There are specific details that will specify the actual mileage limits per year. With Collective Vehicle coverage the car or truck can be driven with limitations.

Another specification that will determine the coverage of an antique vehicle is how it is going to be stored. The guidelines usually state that the vehicle must be locked up in a garaged type area. Not to just throw a cover over it outside, but to be closed up and safe. Many Antique cars or trucks are irreplaceable and worth quite a bit of money, the insurance company providing coverage has guidelines for the purpose of also making sure the upkeep of the vehicle is up to par.

 

 

 

 

 

Photo Courtesy of dan at FreeDigitalPhotos.net

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