Category Archives: Auto

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

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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

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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DIY Auto Maintenance Tips to Save Money

ID-100359683Keeping your engine maintained can prevent trips to your neighborhood mechanic with problems you do not expect and out of pocket expenses that could be prevented.

One of the easiest things to check off the top of the list is your oil. You oil should be changed every 3,000 to 5,000 miles depending on your vehicle and your owners manual should indicate how often. With the oil being changed the oil filter needs to be renewed as well. If you own an older vehicle with more mileage, you may want to check with your mechanic for more frequent changes.

Tune Ups are just as important. This is simply making sure your hoses are still good, spark plugs are sparking and the belts are not wearing. This preventive maintenance can save you time broken down on the road and even better gas mileage. When you go in to have your oil changed, consider taking a little extra time to have the tune up done too or do it yourself it you know how.

What is your mileage on the car? Are you over 60,000 miles on the speedometer? If so you are not driving a new car any longer and may notice it does not idle as it used to and may have some hiccups here and there. These may be little signs of some wear on the engine and should be addressed.

Not only does our engine need attention but also what is underneath the vehicle. Your tire pressure should be checked from weekly to monthly depending on how often you drive. The wrong tire pressure and wear can cause you to get less miles to the gallon. Check for wear on the tires and have them rotated, as well as check the alignment of your vehicle as this too can cause the tires to wear faster if not aligned correctly.

Taking a little extra time from your day here and there to maintain your vehicle can save you money in the long run and who wants to sit on the side of the road waiting for a tow truck when this could have been prevented.

 

 

 

Photo Courtesy of rukawajung at FreeDigitalPhotos.net

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Tips: What To Do With An Aggressive Driver on the Road

ID-100201950Not only are there laws to follow on the road there is also courtesy and an aggressive drivers or someone with road rage does not follow either the law or have courtesy to others. You may see an aggressive driver weaving in and out of traffic, speeding, cutting off other drivers, tailgating, basically engaging in reckless and dangerous maneuvers.
If you travel, or maybe just on your way to work, the grocery store, taking the kids to school or back home, you need to be prepared for such drivers to keep you and your passengers safe. Here are some helpful tips:

Get out of the Way!
Once you have spotted the aggressive driver try to get out of the way. Stay calm and concentrate on your driving with no distractions. If they are tailgating you, put on your signal and change lanes as soon as possible. If you are near a public place, take a break and pull in even if its just for a few minutes.

Do not challenge an aggressive driver
Do not have eye contact. The aggressive driver may see this as a challenge and if road rage is involved with this driver, you are putting yourself in danger.

Do not make or return gestures or yell
As unsettling as this episode can be, remain mature. Do not get aggressive back with obscene gestures. Do not yell or speak to the other driver. Once you do you have engaged in their behavior and the game is on.

Try to stay off the horn unless necessary.
You can get a person really worked up if your consistently honking the horn at them, use your horn sparingly. This aggressive driver is like the bully on the playground but unfortunately the playground this bully has chosen is a roadway.

Call the Authorities

It is certainly not courteous to yell, blow your horn excessively or give someone the finger, but it is against the law to put someone in danger on the road.
Aggressive driving is when an individual commits a combination of moving traffic offenses that endanger other persons or property. If you see that an aggressive driver is causing danger to others or yourself call the authorities and report it. If you have a passenger in the car, have them get the license plate number, a description of the vehicle and driver.
 

Photo Courtesy of stockimages at FreeDigitalPhotos.net
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