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.
Report the accident right away ( most auto insurance policies require notification of police within a specified time period if the accident is a hit and run)
Get names from all drivers as well as license plate(s) and vehicle identification numbers.
Get names, addresses, and telephone numbers of other passengers and any witnesses.
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.
• If anyone is injured or the vehicle damage exceeds $750.00, you must report the accident to the Department of Motor Vehicles within 10 days.
Failure to notify the DMV may result in the suspension of your driver’s license.
Notify your 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. Tell your story 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 may refusing to pay for damage to your car.
Have empty spots in your yard where nothing will grow because of lack of sunlight? From blooming flowers to plants that have beautiful leaves, Craftsy gives you a list of 5 plants you can grow for those shady parts of your yard.
See their article Here
Want to know what grows best in your local area? Visit LocalHarvest.com
You can shop from your local farmers for seeds, food and more.
Florida condo owners have insurance that is very different from homeowners and renters insurance. Even though your homeowner association carries insurance for the building, bridges, pools and the area the owners use like the lobby, you would think that you are protected too. Look closely at the sentence though, their policy covers the building, not your condo or your belongings.
Think about your condo unit as a separate entity. You didn’t purchase the building. You purchased your condo unit, so you must protect it and what is inside. You also must protect people that visit your condo unit in case they are injured. That is the reason you must purchase Condominium insurance. Your insurance will also cover damage to the building or common area that you or a visitor cause by accident or by negligence.
Condo insurance is similar to homeowners insurance in that it covers your property, liability for injuries and additional living expenses in case you cannot live in your condo due to a fire, storm damage, etc. Your hotel and meal charges are covered. Take inventory of your belongings and property using photos or video. Save receipts for new items, photograph serial numbers on your electronics and other items. Save the photos or video online and/or give a copy to someone who doesn’t live in your condo building.
When you need assistance choosing what policy is best for your condo insurance, Budget Bi Rite is there for you.
Call us today to get your questions answered.
or visit our website budgetbirite.com
fill out the form and we will have an agent contact you within 24 hours.
Renting a home, condo or apartment for a large family get away or just for two is a nice way to spend a vacation. Love a home on the water, or hiking from a cabin in the woods, beware of scammers who want to build up your hopes and take your money.
Scammers are using fake photo’s and descriptions they have stolen from real estate websites to promote their fake listings on places like Craigslist. They put up a lovely photo, bring you in with a winning description and better yet a low price you may not be able to resist. Remember the saying ” If it sounds to good to be true it probably isn’t”.
Once communication starts with a place you are inquiring to rent, keep an eye on the reply’s you receive and how they want to be paid.
Example; An email with misspelled words, or does it address you as sir or madam, is it redirected to another person. Do they provide a phone number that is local for you to talk with someone?
Want you to pay with a money order or wire money to them. Are they out of the country and want you to send the money to say Europe or Nigeria? This is big for wired money scams and guess what, you just gave your money away.
Are they supposedly from an organization or charity. Using this they hope to make you feel more comfortable and trusting of them.
You can not see the property you want to rent unless you give them a deposit. They may tell you that they do not want anyone to know that the house is empty and it is for their protection. You should be able to see what you are going to pay for let alone live in for a vacation. Nobody should ask you for a deposit on a rental property before you see it. If you are out of the state you want to rent from it may not be easy for you to take a trip to see the property, hire a real estate agent from a well know company.
Lets say you do send a deposit, in return some scammers may even go as far as to send you the keys or tell you where the keys are to get access to the property. Either you will receive a set of fake keys, or the place where they said the keys would be, shows up no keys. Be smart, research any deal you come across on Craigslist or a site like it and Make sure you get a lease agreement and deposit receipt when paying. There are legitimate companies out there, but better to be safe and check with the real estate office in the area you are looking to rent our a vacation spot from.