What Does Liability Coverage do For You – Auto Insurance Tips

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
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.
We find insurance that meets every budget!

 

 

 

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Driving Through a Storm Safety Tips

Driving safely on the road in pouring down rain and wet roadways can be a challenge. One of the things to keep in mind is the method of driving on wet pavement versus dry.

Just like a boat on the water, your vehicle can skid over the water in what is called hydroplaning. When your hydroplaning your tires lose traction with the pavement and you are now slipping and sliding over water. Worn tires, tires not inflated correctly, how fast you are going and the amount of water on the pavement contribute to hydroplaning. This is scary and the first thing to do is Don’t Panic!

Here are some tips to get your though hydroplaning safely.

Take your foot off the accelerator.

Do not step on the brake.

Shift the vehicle into neutral.

As the car is slowing down, steer in the direction you want to go.

Here are some tips to help you in a rain storm.

• Turn on your lights if they do not automatically come on. It is required by law but sometimes it is the smallest things we forget to do. This will not only help you see but will help other motorists to see your car on the road.

• Reduce your speed when you are approaching any sort of large puddle or flooded roadway. Decreasing your speed will increase the contact of your tires treads on the surface of the road and reduce the risk of hydroplaning in pooled water. (See tips for driving on flooded roads here)

• Stay a safe distance from other cars to avoid an accident. If they start to hydroplane it could cause them to come into your car.

• If you are approaching stop signs or light signals, slow down a bit sooner than normally and give yourself time to stop completely when you get to the light or stop sign.

Try to drive as smoothly and cautiously as possible. Avoid excessive braking and accelerating and be careful when going around corners, if you tires are slippery you veer off instead.

Maintaining your vehicle is vital for just a time such as a very wet roadway or rain storm.

• Make sure both your headlights are working correctly. You want others to see you in the daylight and at night.

• Check your windshield wipers. Replace the current wiper blades with new ones whenever there are any issues with it cleaning the windshield properly.

• Your tires are vital for your safety. Get good tires that are suited for wet and dry conditions. Look more for quality then low price. Make sure your tires are inflated to standard of your vehicle. Well maintained tires can cut through water and more importantly keep traction better then worn tires. If you do not see good tread on your tires, its time to go shopping.

 

 

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

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.

 

 

 

 

 

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

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.
 

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What Insurance You Need for your Recreational Vehicle or pull along Camper

Before you hitch up that camper or get the behind the wheel of your new RV (Recreational Vehicle), check your auto insurance policy or this vacation may cost you more then you bargained for.

Some insurance companies will allow you to insure your camper on your auto policy and others may require you to get a recreational vehicle policy. The coverage you are looking for is liability. If you have this included with your auto insurance coverage more than likely the liability will extend to towing the camper as long as it’s hitched up to your vehicle.

If you want liability coverage while the camper is unhitched such as at a campground or in storage you may want to check your homeowners or renters’ policy to see what extension on the coverage you have.

Extra coverage for an RV or Camper is always available if your other two options do not have the coverage you need. You can also purchase comprehensive and collision coverage just like you have with your vehicle and get a separate deductible. Specific questions about your camper or RV would be, what it is made of aluminum, fiberglass etc, the size and length of the vehicle and if it’s a pull behind.

Contacting your insurance company before purchasing the RV or Camper you are considering is highly recommended to find out just exactly what type of insurance policy you will need. When you purchase, add that policy right away, especially if you are not an experienced driver.  Contact us today with any questions.

 

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