So Really, What does that Seat Belt Do For You?

One of the easiest ways of being safe in your vehicle is to simply wrap that seat belt around you and insert into the buckle by your seat until you hear the click. How many times have you heard or read a news story where someone has said, They are alive because they wore their seat belt. Just that statement alone should have you thinking, Why would you Not wear your seat belt?

Wearing your seat belt can be the difference between major injury, being paralyzed or death. The alternatives to not wearing your seat belt far out weigh the reasons you should.

The first seat belts were placed in American cars in the 1900s to keep people in the car on rough roads rather than to protect them in wrecks. Seat Belts were in race cars in the 1920s and finally in a some cars on the open market in 1950. In 1966, the Highway Safety Act and the National Traffic and Motor Vehicle Safety Act were passed and the auto industry was regulated. Seat belts were on their way to becoming standard equipment.

So Really, What does that Seat Belt Do For You?

* Preventing you from being thrown from the vehicle in a roll over or heavy impact.

* Minimizing impact with your passenger and the dash board or windshield.

* Decreasing the time it takes someone to come to a stop upon impact by retraining you.

* Most important Seat Belts Save Lives!

Seat Belts are not just for the driver but for everyone in your vehicle, including your children.

See article for Child Safety Here

Buckling on a seat belt is easy, life saving and the law! Take those few seconds and make it a habit to have you and everyone in your vehicle buckle up before you turn the key.

 

Call us today to get your insurance 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 koko-tewan at FreeDigitalPhotos.net


Why You Would Need SR-22 And FR-44 Coverage for Auto Insurance

id-100193271An SR-22 / FR-44 is a certificate used by the insurer to file the motorist’s policy with the state. You’ll need an SR-22 or an FR-44 if you’ve had a problem with your drivers license, such as a DUI, (Drinking Under the Influence), reckless driving or not carrying auto insurance. This is a major part of your journey as a driver to get back the privilege of driving.

An SR-22 is a form that is submitted by your auto insurance company to 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 $10,000 in bodily injury per person and $10,000 in property damage. You will pay more for auto insurance because of your driving record. Plus, you’ll pay a $15 filing fee to submit the SR-22.

You may also be required to file an FR-44 which is similar to an SR-22 but the minimum liability is higher – the minimum requirements are $100,000 in bodily injury per person and $50,000 property damage. The cost to file the FR-44 is also $15 but again you will pay more for auto insurance because of your driving record and the increased liability limits. This form is referred to as Florida Uniform Financial Responsibility Certificate FR-44 or just FR-44 for short. You must maintain this filing for three years.

If you are required to fill an SR-22 or an FR-44, you will have to pay more for your auto insurance, but there’s no need to pay more than necessary. This is where an insurance agency like Budget Bi Rite comes in. They are able to help you find the policy you need at the cost you can afford. They will also assist you with filing for your SR-22 and FR-44 in their office.

Have Questions? Call us today to get your questions answered. 863-453-3903

 

 

 

Photo Courtesy of  pakorn at FreeDigitalPhotos.net

 

 

 

 


Motorcycle Safety and Insurance Tips You Need To Know

ID-100313842Whether you are driving or a passenger on a motorcycle, there is something very special about hitting the open road on a beautiful day and taking in the sights and much more enjoyable to know that you are protected in case of an accident or theft.

In the state of Florida, Florida’s No-Fault or PIP law for insurance does not apply for motorcycles.

You must have insurance though to drive a motorcycle, but what type is required?

Property damage and bodily injury liability insurance is required and if your decision is to not want to wear a helmet, you must carry a minimum of $10,000 in medical insurance.

Without motorcycle insurance, you risk penalties such as,

Loss of License

Loss of Tag/Registration

Restitution for any damages you may cause in an accident

Three years of high risk SR22 mandatory liability insurance coverage
Not only are we talking high risk, we are also talking higher amounts of money coming out of your pocket.

Your Medical expenses

Damage to your motorcycle

Loss of income due to injury

when all this could be avoided.

Lets face it, you are taking a risk every time you get on a motorcycle. When an accident occurs, what is said from the other party’s involved in many causes is “I did not see them”, where did that motorcycle come from”? Rule of thumb. If you are driving a motorcycle, you need be on the lookout, don’t expect the other people on the road to look out for you.

In effect as of July 1, 2008 all first-time motorcycle license applicants must complete a Basic Riders Course to obtain their motorcycle endorsement.

Knowledge of your motorcycle, safety, and the rules of surviving on a motorcycle give you that much more of an edge. Bundle that with Insurance for protection in case anything happens and you can be riding with more comfort.

As much as people concentrate on the injuries, there is another form of insurance to consider when owning a motorcycle.

Theft Insurance

One of the biggest rackets out there is stealing motorcycles to strip them down and sell the parts.

Protect your investment and make you motorcycle less appealing to be stolen.

Lock it Up!

There are a large range of ways to lock up your ride.

Cable Locks

Pad Locks

Disk Locks

Ground Anchors and Wheel Clamps

Alarm System

Common Sense:

Just as when you were a kid with your bicycle, there are some of the same rules that apply with your motorcycle.

Always keep the ignition locked.

Lock up your ride with another motorcycle

Don’t take your eyes off your motorcycle, when traveling, riding around town, or at a friends house.

Always park your ride where you can see it.

Drive Safely and have fun!

Have Questions? Call us today to get your questions answered.

1-863-453-3903 (Call about our discount on motorcycle insurance for attending a riders course and more!)

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

 

Photo Courtesy of khunaspix. at FreeDigitalPhotos.net