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.
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.
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.
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.
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.
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
Your 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.