As 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.
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.
Not 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.
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 (Liability)
Liability 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.
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Hurricane Irma caused devastation in Florida and much more along the way. While we are still in recovery mode but at least just about everyone has their electricity back and are finding a way to return to a normal routine that Irma so fiercely disrupted. Once the storm is over its time to access the damages for your home and call your insurance company. Once an agent gives you an assessment of the damages and the money for repairs, your next step is just as important, finding someone to do the repairs.
Be Aware!! There are many scammers out there wanting your insurance money that you worked so hard by making monthly payments for. You want to make sure that the people who are going to repair say your roof does the job they are hired for and it will pass inspection.
See the following helpful articles to avoid being scammed.
From Article – “If an offer sounds too good to be true, it probably is and could be fraud,” said state Chief Financial Officer Jimmy Patronis. “Opportunistic scammers may attempt to defraud Floridians following Hurricane Irma, and I encourage all Floridians to be vigilant in guarding against fraud. Consumers should report suspicious activity ASAP by calling 1-877-693-5236.”
From article – “Instances of scams and fraud are common after major natural disasters as opportunists rush to capitalize on dire situations.”
Advice from the Better Business Bureau – “If someone shows up at your house unannounced and claims to be an insurance adjuster, do not invite them into your home. Ask for company ID. If they don’t have any, ask them to leave your property and shut the door.” -Katherine Hutt, Better Business Bureau
Please contact us if you have any questions,
Buget Bi Rite Insurance, Inc