Tag Archives: Auto

Save Yourself the Trouble! Have Bodily Injury Protection on Your Auto Policy

Auto Insurance Tip: What Liability Coverage does for youBodily Injury (BI) Protection is not required to obtain a vehicle registration in Florida, what is required is PIP (Personal Injury Protection) and Property Damage. As soon as you put that vehicle on the road, you are now liable for any accident and injuries that you may cause, and that is where Bodily Injury Protection comes in.

Bodily Injury  Protection covers the other parties  injuries or death in case of an auto accident which you are responsible. It can also protect you in case of a lawsuit and legal defense. This coverage is not always required to carry auto insurance but more and more insurance companies will not sell you a policy without including it. With out (BI) you will have to have $30,000 or more tucked away  in case something does happen, to pay out of pocket for medical bills, loss of income, pain and suffering, and more, to the injured party.  So does it make more sense to include that in your auto policy?

Yes, it does and here ‘s whys:

Not only will you have to hand over out of your pocket funds to the injured party, but without (BI) on your auto policy, you will have your drivers license suspended, and have to carry an  SR-22 certificate with to your policy for 3 years. Without the SR-22 you will not get your license back and be able to be an insured driver.

An SR-22 is a certificate used by the insurer to file the motorist’s policy with the state. You’ll need an SR-22  if you’ve had a problem with your drivers license, caused bodily injury to another person in an auto accident without coverage or not carrying auto insurance at all. This is a major part of your journey to get back the privilege of driving.

The SR-22 form is submitted by your auto insurance company to the Florida’s Bureau of Financial Responsibility. This ensures that you have met the state of Florida’s liability limits. The state requires you to carry minimum liability limits of $30,000 in bodily injury protection per person. You will pay more for auto insurance because of marks on your driving record, plus you’ll pay a filing fee to submit the SR-22.

The only way you will not be responsible for damages and not have to put out all the money for the injured party is for them to sign a release form saying you are not liable.  Let me see, if you were in an accident and needed medical attention, time off from work because of the injuries, loss of money for medical bills and time off from work, plus time to recuperate, would you sign this form?

Another thought to ponder, the next time you want to take a friends vehicle out for a spin, to the store, your job or just around town, ask if they have bodily injury protection on their policy.  If they do not, and you do not own a vehicle (obviously you do not carry auto insurance) you the uninsured driver will be responsible in case of an accident causing (BI) to another party.  You will be required to take out an SR-22 certificate under a named non owner policy for 3 years to keep your license.

If you decide to take a friends vehicle out for a spin, and the owner of the vehicle does not have bodily injury protection on their vehicle, but you do have a vehicle and are insured with bodily injury protection, in the incident of an accident with (BI) the injured party would be covered under your insurance policy.

Save yourself the trouble! Be sure you have Bodily Injury Protection on your policy.

If you are required to file an SR-22, you will have to pay more for your auto insurance, but there’s no need to pay more than necessary. We can help you find the policy you need and assist you with filing for your SR-22.

Have Questions?

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!

Ashley Bishop Owner/Agent

Budget Bi Rite Insurance, Inc

Serving all of Florida

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Tips to Easily Raise Your Credit Score

creditreportYour credit score can make or break your chances of getting a loan for a house or a new car.  Here are a few things you can do to make sure your credit score is what it should be.

Get free reports for your credit at AnnualCreditReport.com or head on over to Equifax and see what they have offer for credit reports.

Once you check your credit score Dispute Errors.
Are there accounts on your report with the same name as you but don’t belong to you? Fill out a dispute form with the credit bureau reporting this error. If they find the error to be true, it will be removed.

Phone, Cable, Utilities can help
On time payments help raise your credit score. People who have high credit scores have their phone, cable and utilities companies report their on time payments to the credit bureaus. They are not required to, but many do so at your request.

Credit Cards
Be responsible with your credit card. Show the credit bureaus that your good with your money. Do not zero out your balance, use up to 25% of your credit and pay it off on time.

Pay it Early
Pay your credit cards as soon as your get the bill. This will show that you have a lower balance monthly when they report to the credit bureaus.

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!Ask us about deductibles as low as $100.00.

Ashley Bishop Owner/Agent

Budget Bi Rite Insurance, Inc

Serving all of Florida

Coverage for a Rental Car Why You Need It

rentalcarYour ready to go, walk outside and discover you have no means of transportation. Your vehicle has been stolen. Your plans at the moment have been changed. Another loss of your vehicle could be if you have an accident and your vehicle is in the shop for repairs. For many of us, the loss is a large inconvenience. How will you get to work, take the kids to school, just plain out go where you need to go.

Now you call the local authorities, call your insurance company and are probably looking through your coverage for what is covered if my car is stolen or if it needs repairs due to an accident.

Will your insurance company provide you with a rental car?

Check your policy, see if you have purchased rental vehicle coverage. This coverage does vary, but most companies pay up to a specified amount per day for a length of time specified in your coverage.

Find out when your coverage ends. Is it when your vehicle is repaired, the stolen vehicle coverage paid, or after a specified period. You need to know where you stand.

Taking a few minutes now to go over your policy, can save you hardship and expenses 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!Ask us about deductibles as low as $100.00.

Ashley Bishop Owner/Agent

Budget Bi Rite Insurance, Inc

Serving all of Florida

Pimping Your Ride? Find Out What Your Auto Insurance Covers

You have decided to customize your vehicle, go all the way and get exactly what you have been dreaming of or maybe saw on popular shows like Pimp My Ride or OverHaulin. You shell out the money for the car, but what about your auto insurance policy. Are all the new additions and bling covered?

In case of damage your insurance company will settle a loss on your new ride by looking at the cost to replace you vehicle or the damage costs. if your vehicle is stolen, deprecation, wear and tear and how old it is will be some factors and you will get paid the actual value of the car minus your new customization.

That 92 Chevy that was worth say $5,000 but now is worth $30,000 with your new customization, will now be worth only $5,000 or less to your insurance company unless you have additional customized parts or equipment added to your policy.

Many insurance companies allow you to add more coverage for special wheels, tires, stereo, custom paint and more. Make sure your policy is up to date and your insurance company has a list of your new additions along with the appraisal. Check to see what is the amount your company will be willing to add.

Get an appraisal of your new pimped out ride which may also be used to determine the actual value. See if you can insure your car on an “agreed value” basis, which means the actual cash value of the car is not used to settle a claim like many classic and antique cars are done in case something should happen.

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!

Ask us about deductibles as low as $100.00.

Ashley Bishop Owner/Agent

Budget Bi Rite Insurance, Inc

Serving All of Florida

Snowy Weather Driving – Care Tips for Your Vehicle

If your live up north or plan to travel, know that Snowy weather can effect your car especially in January and February. These two months are more important then any other months of the year for a car wash.

January and February are the snowiest months of the year and when there is more salt put down on the roads. Salt is an abrasive and when mixed with water forms rust. Rust spreads like crazy and will damage not only your paint job, but deteriorate the metal.

Simple solution is to take your vehicle to the car wash at least twice a month to avoid this and more money out of pocket then you want for repairs.

Not only does winter effect the outside of your vehicle, it can effect the motor. Keep your motor running smoothly by using Synthetic oil. It has fewer damaging contaminates then regular oil and does cost a bit more. The results are a smoother running engine from the oil that flows better and you can get up to 10,000 miles before you have to have another oil change in most vehicles. Ask your mechanic what is best for your vehicle.

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!

Ashley Bishop Owner/Agent

Budget Bi Rite Insurance, Inc

Serving All of Florida

 

Wildlife and Driving Precautions in the Winter

A friend of mine called and asked me if I knew what a Moose Whistle was. Being a Floridian we do not have much call for this item, but I informed my friend it is not used for hunting.

In the northern regions more likely you will have a collision with wildlife and even more so it is hard to detect them while driving in blustery snow. A Moose whistle is placed on the front of a vehicle and makes a sound somewhat like a dog whistle that only the moose, deer and other wildlife animals can detect. The moose whistle is a tool to help alert the precious wildlife to stay back from your area.and your moving vehicle.

One of the most common animals to to come into a collision with a vehicle is a deer. Every year there area multitude of deers getting hit across the country and this type of collision could cost you dearly.

How can you be more careful to avoid this? Learn more about the deers habits. Deer have a natural camouflage,and detecting them while driving can be difficult if you are on an interstate and driving at high speeds. It is easier to spot them during the day, but in the early morning hours and evenings this can be a challenge.

During the fall and November it is particularly more of a danger for both a driver and a deer when they are looking for food in the winter and mostly in the mountains. Keep an eye out if you are on a road protected by deer fence and keep special attention to where the fences begin and end, as deer can cross in these area’s. Also look for signs like roadside fences are broken down and be sure to slow down in these areas.

Hitting a deer can cause severe injury to the animal and damages to your vehicle and injuries to you and your passengers as well.

The Moose are also another animal to look out for and can cause more severe injuries and damage all the way around since a moose is much bigger then a deer. The injuries that occur when colliding with a moose are head and neck injuries since the moose is much taller and bigger and the full body weight with the windshield of many vehicles is common.

Travel carefully if in the area’s of wildlife and know that the early morning hours from 4 am to 6 am and the evening hours from 6 pm to 11 pm are the most dangerous for the animals and drivers alike.

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!
Ask us about deductibles as low as $100.00
.

Ashley Bishop Owner/Agent

Budget Bi Rite Insurance, Inc

Serving all of Florida

Are Your Gifts Covered By Auto Insurance if Stolen?

Holiday shopping is fun and can be exhausting. Besides finding just the right gifts you are probably planning the menu and grocery shopping. You are busy and when your busy checking off your list for the day, add to your list. Getting busy can bring on stress, and forgetfulness. Cover yourself puts those gifts in the trunk of your car and keep them out of site.

Car thefts and car break in numbers are up during the holidays and that gift bag on your back seat is a calling card. Not everything in your vehicle may be covered by your auto insurance. What a shame to go through your shopping day, spend your hard earned money to have it all disappear.

If you only have comprehensive coverage say goodbye to those gifts, your laptop, i- pod and other personal items as well. Comprehensive coverage covers, your vehicle, and other vehicles (there may be limitations)you drive. It covers damage to your car if it is stolen, damaged by flood, fire, or if unfortunately you hit an animal. This coverage also pays to fix your vehicle less the deductible you have chosen.

Auto insurance is for insuring just that your vehicle. What is personal in the vehicle has no coverage. While homeowner’s or renter’s policy will yield payouts for personal property there is a stipulation that it personal property from your home to be covered. So those gifts you are loading up in your car, basically have no coverage.

Check your home owners and auto insurance policies to see what your are covered for and

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!
Ask us about deductibles as low as $100.00
.

Ashley Bishop Owner/Agent

Budget Bi Rite Insurance, Inc

Serving all of Florida

Snowy Weather Pre-Maintence on Your Vehicle

Them temperatures are already starting to fall in the northern US and Canada and winter will be coming in the next couple of  months. If you are traveling over the country into colder states you will more than likely run into states that will have snow. If you have never experienced driving in snow you need to inform yourself of what you will need to do for  vehicle to stay safe and warm.

First and foremost read up and talk to other people that have experience with driving in snow, about black ice, skidding, snow banks and basically what to look out for.

Second to have a qualified mechanic look over your car for anything that may need to be replace, oil change etc.

Third are the checks you would do if you were living in a state that has snowy conditions.

Anti Freeze

This is an essential part of winter proctection for your engine. Have a mechanic check to see if your radiator needs flushing and then add a mix of 50% water and 50% antifreeze.

Snow Tires

Tires should be checked before going on any road trip. The tread, pressure etc. In states without snow the same tires are used year round, so as your heading toward the colder states these tires will not preform as well. A swap along the way for snow tires would be a good safety measure.

Windshield Wipers

Make sure your windshield wipers are in excellent condition or replace them for new ones. There will be more then just rain falling from the sky and chances are mud, muck and salt from the roads will reak havoc on your windshield. You want to be sure wipers are in top shape to handle the job so you can see through a clean windshield. Also be sure that your washer fluid is full and working correctly.

Weather Conditions

Always stay tuned to the weather and keep track of hotels along the way of your trip in case you may need to pull in early because of a snow storm.

Other Tips to Consider for Safety

To avoid ice in the fuel lines or gas tank, keep it as near to full as possible.

Give someone your itinerary for your route and how long you will be on the road.

Always carry an safety kit, extra blankets, clothes etc.

If traveling with a cell phone, you may want to check with your service for black out area’s and be sure to have a car charger for the phone that you can plug into a wall or your vehicle.

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!
Ask us about deductibles as low as $100.00
.

Ashley Bishop Owner/Agent

Budget Bi Rite Insurance, Inc

Serving all of Florida

Repair Shop or Mechanical Problems Auto Insurance Coverage

Will My Insurance company pay the Mechanic for the Repairs?

There are exclusions in your auto insurance policy to deny coverage for wear and tear, mechanical or electrical failure, damage to tires and essentially everyday use not deterioration of your vehicle. What your policy is intended for, to provide you coverage for accidents, or theft.

The exception for wear and tear would be if your vehicle is stolen and an accident occurs in say a police chase, you would be covered.

But what if, the Mechanic Damages Your Car while in Repair?

Your car has been repaired and ready to go, but the mechanic put a ding in your back bumper while on a test run. What do you do?

First do not call your insurance company, you personal auto insurance will not cover this because of a restriction called no “benefit to bailee”. The bailee is the mechanic or anyone who has possession of your car for the purpose of fixing it. The bailor is you and the bailment is the contract between you and the shop to fix your car.

The one calling their insurance company will be the repair shop owner. They will need to file a claim on their business insurance (garage keeper policy) which pays for damage to customer’s vehicles when under the repair shops care. Even if they have the type of garage keepers coverage that only pays if they are legally liable, you should have a valid claim.

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!

Ask us about deductibles as low as $100.00.

Ashley Bishop Owner/Agent

Budget Bi Rite Insurance, Inc

Serving all of Florida

Tip – When to Change Auto Insurance Policies

With proper notice you can cancel your auto insurance policy at any time. In some cases insurance companies may have a penalty for canceling before the policy renews, be sure to check with your company in your state to see if they do have a short rate stipulation. If your auto insurance policy is pro rated there is no penalty.

If you wish to change your insurance company when your policy renews it is a more convenient time to change.You will not be waiting for a refund from your current company and should receive a renewal notice at least 30 days before the new policy goes into effect. This would be a great time to shop around. Why pay more for the same coverage?

When you change auto insurance companies, the new agent or insurer can generally change carriers while you wait! Generally they’ll just need a copy of your current declaration page, driver’s license and down payment to get the policy issued.

Call us today to get your questions answered and check out our low rates for your auto insurance. . 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!

Ask us about deductibles as low as $100.00.

Ashley Bishop Owner/Agent

Budget Bi Rite Insurance, Inc

Serving All of Florida