Category Archives: Auto

Why You Have Florida No Fault Insurance Personal Injury Protection

Some states including Florida require no-fault auto insurance. Knowing about your state’s auto insurance laws will help you if you ever need to place a claim with your insurance company and what you are purchasing with your coverage.

No-fault insurance laws were designed to limit drivers ability to sue each other in case of an accident for personal injury up to the limits of your PIP policy. Each driver is required to purchase PIP (Personal Injury Protection) which is included in your policy package. Your insurance company will cover your injuries no matter who was at fault for the accident, hence PIP (Personal Injury Protection). For the damage to your vehicle, the same rules apply for liability going to the person found at fault for the accident.

PIP insures, that at least a portion of medical bills, lost wages, lost services and even funeral expenses are covered in the event of an accident. Your children, members of your household, passengers riding in your car are covered. In some cases it may also cover those you loan your car to who are not covered by their own policy. PIP will also cover you and your family on school buses, while a passenger in another car, and if you are a pedestrian and injured by a vehicle. Your coverage amount will be determined up to the limits of your policy.

The law in the state of Florida for no-fault requires you carry a minimum of $10,000 of PIP and $10,000 of property damage liability. You must be insured to drive a registered and licensed vehicle in the state of Florida for the duration of the registration of the vehicle.

If you are a seasonal or part-time resident of Florida, for at least 90 days out of the year, you are required to carry both the PIP and Property Damage Liability Florida insurance on it and the 90 days to be consecutive to require this insurance on the vehicle.

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

 

 

Photo Courtesy of Tumisu at Pixabay.com

Winter Driving Safety Tip – Driving On Black Ice

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To drive in snow and ice can be dangerous and one of the most driving perils is black ice. Black ice is a term for ice that is transparent and invisible. Normally you will not know you are on it until you are just a short distance away. If you see cars ahead of you suddenly swerve for no apparent reason, black ice can be the cause. Understanding how to drive on this hazard in the road is very important for you and other drivers that may be around you.

Black Ice is a glaze that forms on the surface of a road, sidewalk and driveways at just about the freezing point. I usually occurs from a light freezing rain, refreezing of snow or water on the surface. It is clear and not easy to detect in advance and can form from the heat of tires on the road.

The most common times of formation is at night or early morning when the temps are lower or on a cloudy day. Look for this along tree lined roads, near rivers, tunnels and roads that do not have much traffic. It can also be found on bridges and overpasses from the cold air cooling both over and under the bridge or overpass.

In the right conditions you may be able to see the black ice before you head onto it. It is very smooth and sometimes glossy. Watch the road and if you see a change in the color of a patch ahead of you slow down and proceed with caution.

If you have ever hydroplaned on a wet road, this is close to what your experience would be on black ice. Just like most kids learning to drive, many were taught by mom and dad in a big empty parking lot. It would not be a bad idea to find one that has the black ice so you could practice braking, and driving your way through to understand what it is like. If you know someone that is familiar with driving, even better to take them with you. Get to know how your vehicle will react in this situation and doing this in a controlled environment is much safer then finding out when you are with other cars around you.

Tips:

If you come upon Black Ice stay calm and turn on your hazard lights if you can. Try to let you vehicle pass over the ice and do not hit the brakes. Try to keep the steering wheel as straight as possible very gently. Don’t struggle against the steering if you feel the back of your vehicle fishtailing, going left to right turn the wheel in the same direction as the fishtail so that you do not skid or spin out.

Look for an empty field, soft snowbank or a yard if you can slowly steer you vehicle into that. Remember do not hit the brakes.

Winter on the road can be hazardous, drive slower then usual on heavy snow days or in freezing weather.

This short video offers advice on what to do when you are driving on black ice.

 

Photo Courtesy of Dr Joseph Valks at FreeDigitalPhotos.net

 
 

New Texting and Driving Laws For 2020 In Florida

There are enough distractions on the road without adding in talking on the phone or worse texting someone. You have responsibilities to yourself, your passengers and others on the road when you get behind the wheel.

There has been a timeline addressing this issue starting in May 2013; Governor Scott signed a bill that will make texting while driving illegal. Motorists would be ticketed for texting while driving if they are pulled over for other traffic infractions. This took effect October 1st, 2013.

As of July 2019 – “a motorist may be stopped and cited for texting and driving in the state of Florida” with the Put It Down: Focus on Driving campaign according to Florida Highway Safety and Motor Vehicles. Learn more Here about the Wireless Communications While Driving Law

January 1, 2020 brings us to updates on the laws of texting and driving in Florida: Drivers can expect to get a ticket if they are caught texting while the car is in motion, but you may text if you are at a stop sign. Read more about this Here

Have you ever experienced the following..

Someone rolling through a stop sign talking on the phone and not aware of what they just did?

Riding too close to you distracted by a phone call or busy texting?

Its bad enough to talk on the cell phone while driving, but to actually keep looking at cell phone key pad to text a message or looking to see if the voice command is typing it correctly is beyond thinking. One of the biggest causes for accidents is distractions and driving and texting is certainly proven to be a big one.

It’s simple: Do Not Text or Talk on the Phone while driving. What do we tell our kids when they reach the age of driving? It’s a privilege not a right. In Florida you can get a traffic ticket for being a distracted driver and worse cause an accident.

If you must answer a call, get a hands free phone. If you must text, pull over.

See Just How Dangerous of Texting and Driving Is With This Short Video!

Right to the point of danger Driving and Texting Video – Why Nothing is that important that you text while driving!

Stay safe on the road…

 

 

Image by Reynaldo Amadeu Dal Lin Junior Juba from Pixabay

Do You Have These Three Important Coverages on Your Insurance Policies?

If you own a home you have homeowners insurance, if you own a vehicle you have auto insurance. We all pretty much know the basics of these policies but your Homeowners and Auto Insurance may offer more then you think.

Identity Theft

On the rise, hackers are on the hunt for your information, these criminals can take your credit card, debit card, social security information and more. Once this is done, you will now be spending your time fixing your credit and reputation.

Under your homeowners policy you can report Identity theft and get help. Coverage limits vary, so contact our homeowners insurance agent to find out if you have it or can add it for a small fee and what coverage is best for you.

Off To College

If your child is a college student living on campus in a dorm, your homeowners policy may cover them for any items if there stolen. If your child is still a dependent, the dorm is considered an extension of your home and so the coverage applies. Before your child moves in take pictures and write down the information of that item such as serial numbers, make, model, etc, and keep in a folder. If other valuable items are purchased after they move in be sure to keep pictures of them also in case you need to make a claim. Contact one of our agents today for more information.

Roadside Assistance

Flat tire, run out of fuel or locking your keys in the car, you need roadside assistance and this can be costly. Ask our auto insurance agents what type of roadside assistance is available on an auto policy.

 

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.

 

 

 

 

 

 

Photo Courtesy of Tumisu at Pixabay.com

Tips for Car and Booster Seats Requirements and Child Safety

Your precious cargo needs more then just a seat belt, but how can you be sure your child’s car seat is installed correctly? Lets face it, if you don’t have the car seat in right your putting your child’s safety in jeopardy.

Buckling up the right way on every ride is the single most important thing a family can do and before you move your vehicle, read the directions, get a friend to help, or call the manufacture of the car seat to be sure it is secure the first time out.

For maximum car seat safety, leading scientists and car safety organizations (including the American Association of Pediatrics) all recommend keeping children rear-facing in their car seats for as long as possible.

Here are some guidelines from HealthyChildren.org and always be sure to check your seats instructions to verify what you need.

See what the requirements are state by state at SafeRide4Kids

Check out Car Seats and Booster seats article that is very informative over at the NHTSA

Not only is it the law to have your child in a car seat, you want to be sure that they are safe.

 

 

 

 

 

 

 

 

 

 

 

Photo Courtesy of  OpenClipart-Vectors / 27433 images at Pixabay.com

Funny Auto Insurance Answers on Claims

When you are filling out a claim for an accident with an auto insurance company you are required to answer questions about the accident and fill out some forms so your claim can be processed. Here are some funny ways some people answered those questions…

• The other car collided with mine without giving warning of its intention.

• I thought my window was down but found it was up when I put my hand through it.

• An invisible car came out of nowhere, struck my car and vanished.

• The guy was all over the place. I had to swerve a number of times before I hit him.

• I pulled away from the side of the road, glanced at my mother-in-law and headed over the embankment.

• The accident occurred when I was attempting to bring my car out of a skid by steering it into the other vehicle.

• The accident was caused by me waving to the man I hit last week.

• I was on my way to the doctor’s with rear-end trouble when my universal joint gave way, causing me to have an accident.

• As I approached the intersection, a stop sign suddenly appeared in a place where no stop sign had ever appeared before. I was unable to stop in time to avoid the accident.

• I didn’t think the speed limit applied after midnight.

• The telephone pole was approaching fast. I was attempting to swerve out of its path when it struck my front end.

• When I saw I could not avoid a collision, I stepped on the gas and crashed into the other car.

• Coming home, I drove into the wrong house and collided with a tree I don’t have.

• The indirect cause of this accident was a little guy in a small car with a big mouth.

 

 

 

 

 

Photo courtesy of mary1826 at Pixabay.com

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

 
 
 
 

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