Full Service Florida Insurance Agency

Four Tips to Prevent Teen Driver Distractions

New auto accident statistics reveal that when passengers distract a driver, a collision is more likely to occur. Not only do you want to prevent an accident from happening while you are a passenger, but also, you don’t want a driver’s auto insurance coverage rates to increase. Here are a few tips to prevent teen driver distractions.

One: Avoid Too Much Talking

To prevent an accident, auto insurance companies suggest that passengers avoid talking too much to a driver. When a passenger is talking, it is difficult to hear an oncoming vehicle’s horn, and some drivers try to look at the person who is talking rather than watching the road.

Two: Don’t Share Foods and Beverages

Resist the urge to hand a driver a bottle of water or a sandwich while they are driving. A driver who is reaching for something cannot keep both of their hands on the steering wheel, making it impossible to swerve away from a vehicle that crosses over from its lane.

Three: Keep Cellphones Turned Off

Having a cell phone while in a vehicle is an excellent way to call someone in an emergency, but do not talk on the device. According to auto accident statistics, cellphone use by passengers is a leading cause of teen driver distractions.

Four: Sit Still While Inside a Vehicle

After choosing a seat in a vehicle, fasten the seat belt and remain in place. Avoid switching seats with other passengers or climbing from the back of a vehicle to the front while it is in motion.

Maintain Affordable Auto Insurance Coverage

If an auto insurance company determines that passengers were acting inappropriately while inside a vehicle during an accident, then the agents can refuse to pay for any damages.

Verify That There is Adequate Insurance Coverage on Your Vehicle

In addition to having auto insurance coverage before going on a road trip, make sure to prepare your vehicle to ensure that it can withstand hot summertime temperatures. If you enjoy do-it-yourself maintenance, then begin the process of working on a vehicle at least two weeks before traveling. By beginning repairs as soon as possible, you can avoid delays because you need a replacement part.

Top Tips for Preparing a Vehicle for Summer Travel

A basic vehicle tune-up is essential before a vacation, and this includes checking these items:

• Oil – check the vehicle’s oil by using the dipstick before adding more oil
• Coolant – verify that there is enough coolant in the vehicle’s radiator
• Belts – do the belts look worn, stretched or degraded?
• Air filter – replace the vehicle’s air filter before leaving
• Tires – add air to deflated tires to reduce gas consumption
• Wiper blades – replace torn or frayed wiper blades
• Lights – make sure the lights are working correctly

Contact Your Auto Insurance Coverage Agent for Information

It is a good idea to call your vehicle insurance coverage agent to determine if your policy is appropriate for traveling to other states or outside of the United States. You might need to purchase additional travel insurance to protect you financially if you are driving across the border into Canada or Mexico. When traveling anywhere, always carry your auto travel insurance cards with you to show to authorities when an accident occurs.

What Are the Benefits of Having Travel Insurance?

You might wonder what the benefits are from having auto travel insurance. An automobile insurance agent can explain this short-term policy to you, and it might include providing financial coverage for any vehicles that you rent while traveling in the summer.

Motorcycle riders experience a special kind of freedom that only they can understand. There are many reasons why people buy motorcycles such as they are fun to ride, are an economical way to get from point A to point B, and it is always easy to find a parking spot. The reasons to ride may vary from person to person but the dedication to the sport is constant. There are unique motorcycle safety issues that are connected to riding. Before getting on a motorcycle, a person must have special training, take tests, wear the appropriate gear, and get motorcycle insurance.

Safety is Number One

Each year there are more and more people who are taking to the road on a motorcycle. As the number of riders increase, the more motorcycle safety becomes an issue. Many states across the nation require motorcyclists to pass a standardized written and driving test. Most currently have some type of helmet law in place and require motorcycle insurance. There are risks involved in riding a motorcycle, and taking all the necessary precautions helps riders enjoy the ride.

Motorcycle Insurance Coverage

Insurance is there to protect the rider, the bike, and other vehicles. Motorcycles are a financial investment that can be protected with the right insurance coverage. There are minimum state requirements that often include insurance liability. Many different types of insurance options are available to motorcyclists that cover repair or replacement costs, medical expenses, legal fees, or liability claims. Insurance liability covers at-fault accidents and is often referred to as property damage or bodily injury insurance. Insurance can be purchased for street bikes, touring bikes, cruisers, scooters, and even motocross. This applies to both new and vintage types. Having the right insurance coverage gives riders the confidence they need to relax and enjoy the ride.

Boat Insurance is a Year Round Necessity

For many people, owning a boat is all about fun and freedom. Getting out onto the water represents a way for people to leave their cares behind and just relax. As some people say, “the worst day fishing beats the best day working.” Yet there are also responsibilities that go hand-in-hand with that cherished ticket to rest and relaxation.


One of those is making sure that nothing happens to your boat either on the water or back in its everyday storage spot. After all, most boats spend more time on the trailer than they do in the water. For this reason, making sure that you have adequate insurance coverage on your boat is almost as important as keeping a full set of life jackets on board.


Boat insurance allows the owner to rest easy knowing that they are protected from accidents at all times. While most people realize that they want marine insurance while the boat is in the water, they do not think about the many climatic challenges which can befall a boat that sits on dry land. Wind and water can take their toll just as much as sunken obstructions can.


Nor should it be forgotten that there are other boats out there on the water. Having a sufficient amount of boat insurance can mean the difference between a serious legal problem and a prompt settlement in the event of an accident or collision. Marine insurance for your boat is every bit as important as car insurance coverage is for your everyday vehicles.


Just as you wouldn’t leave your car uninsured until you needed to go to the grocery store, so too do you need to make sure that your boat has insurance coverage at all times. Accidents and weather events can happen any time, as can a unplanned day off that ends up out on the water. Make sure that you have the proper boat insurance and then enjoy the experience.

Most people enjoy spring time weather. However, hurricanes are more likely to occur after spring ends. Hurricane season starts in June and ends on November 30. Hurricanes can do a lot of damage and can be frightening to live through. Fortunately, there are things that you can do to stay safe during a hurricane. Below is a list of things that you can do in order to prepare for hurricane season:

Make Sure That You Have The Proper Insurance Coverage

You will need to review your insurance coverage before the hurricane season starts. Your homeowner’s coverage may be sufficient. However, you may also have to get hurricane insurance. Your homeowner’s insurance coverage will likely cover the wind and rain damages, but it may not cover flood damages. That is why you may have to get hurricane insurance. This form of insurance will cover any type of damage that the hurricane causes.

You may also want to review your commercial insurance policy and auto insurance policy. Your commercial insurance can cover damages that a hurricane causes to your building. It can also cover losses that occur if you are forced to temporarily shut down your business because of the weather. Auto insurance will cover damages that the hurricane does to your vehicle.

Take Inventory

Before the nice spring weather ends, you should take inventory of everything that is in your home or business. This will make it a lot easier for you to file an insurance claim.

Make An Emergency Kit

You should stock an emergency kit that has basic things that you will need to survive. First aid kit, change of clothing, essential medication, water bottles, non-perishable food items, batteries, flashlights, pillows, blankets, sleeping bags and personal hygiene items are some of the things you should put in an emergency kit.

Before the first claim is filed, and even before the first premium is paid, trust between the customer and agency should be cultivated. Whether the customer needs a policy for homeowner insurance, renters insurance, auto insurance or business insurance, the goal of the agency should be to demonstrate trust factors that ensure that every customer will be a lifelong client.


One such trust factor is competence. A thorough knowledge of the product and the ability to articulate the parameters of the insurance coverage is essential for building client confidence. The customer should know what they’re purchasing and should be confident that their homeowner insurance coverage, renters insurance coverage, auto insurance coverage or business insurance coverage meets their needs.


Additionally, a regular review of the product is needed to determine if the customer continues to have adequate insurance coverage. Does the client’s homeowner insurance coverage reflect recent upgrades made to the home? Is their renter’s insurance coverage for personal liability sufficient? Would an increase in coverage give greater protection for a customer reevaluating auto insurance coverage? Should our business client add professional liability to their business insurance coverage? Such care demonstrates to clients that they are a top priority.


A further demonstration of trust is through exceptional customer service. Can the agency be counted on when the customer files a claim? Whether the claim is for minor damage or a catastrophic loss, a demonstration of compassion, patience, regular follow-up and an expeditious handling of a claim will go a long way to show the customer that they are valuable clients.


Whether clients are shopping for homeowner insurance, renters insurance, auto insurance or business insurance, trust factors such as competence and excellent customer service will ensure that your customers will be with you for a long time.

In this day and age, it is still possible to encounter people who many misconceptions about obtaining basic insurance coverage. It doesn’t matter whether they own their house or not, these adults carry neither homeowner insurance or renters insurance coverage. If most states didn’t require auto insurance, they would probably drive uninsured as well.

Choices abound for consumers

The uninsured are usually concerned with how much insurance coverage they need and how much their monthly payments will cost. While many people still believe they have no choice in the matter, they are in fact sitting in “the drivers seat” when it comes to picking out their coverage. This is true of insurance policies purchased from independent insurance agents, as well as insurance companies who solely operate online.


Auto insurance

For that person who needs to pay a lower monthly premium, a higher deductible amount can be arranged. However should an unfortunate incident occur, you might have to pay for any damages later on. Conversely if one wishes to avoid out-of-pocket charges in advance, a higher monthly premium leaves you free from worry.


Your property is important

Having homeowner insurance is often a necessity, especially for those homeowners who are currently paying off a mortgage to a bank or other lending institution. In the event of damage or a burglary situation, renters insurance coverage will protect residents of apartment buildings too. Rest assured, that a full range of choices are always left up to the policy holder to decide.


Business insurance

Small business owners definitely need to insure their companies, in much the same way as their larger corporate counterparts. With business insurance, losses can be recovered quickly. No matter what your company sells or manufactures, gambling with your way of making a living is a dangerous thing to do.

One of the top worries on a business owner’s mind is insurance coverage for such claims as theft or damage to property. While these do occur on a regular basis, there are some more common claims that you should take into account as well:

Burglary and Theft By Employees

Theft by customer does occur, but theft by employee is much more prominant.

Commercial auto insurance does cover for this type of theft, as does homeowners insurance coverage if the theft happened at home. On average, the cost of employee theft is about $8,000 per occurance in the United States.

To prevent this type of thing from happening again, install security lighting, cameras and perform background checks on everyone before you hire them.

Water Damage

Water and freeze damage to pipes accounts for about 15 percent of claims filed by small business owners every year. Regardless of the type of business insurance you have, the costs you incur when fixing the damage should be covered by your policy.

Avoid this in the future by keeping the interior area of your store warm. Perform routine checks on your pipes during the coldest months of the year.

Fire Damage

Last year, fire damage accounted for more than 10 percent of all commercial insurance coverage claims. On average, each claim cost about $35,000 when insurance companies were done making payments.

In the future, test all fire alarms and systems, and always keep your nose open for gas leaks.

Slip and Fall Accidents

Slip and fall accidents accounted for about 10 percent of claims that were filed last year. This number is surprisingly low for many business owners who have experienced these types of lawsuits in the past.

Save your customers from falling by mopping up your store every hour or two. If you have a large store, be sure to check for areas that are prone to wet spots.

Business Auto Losses

Many businesses use vehicles as part of their daily business to serve clients. In some cases, small businesses have nothing but their vehicles to run their companies.

While not a major part of the type of business insurance coverage claims that were filed last year, adequate auto insurance coverage is always needed to help protect from unforeseen losses, especially if you operate in a major metropolitan area.

Types of Commercial Insurance for Small Businesses

The type of insurance a commercial client needs does depend on statistics for their type of business and location.

For example, a pizza parlor will likely need commercial insurance that includes fire protection, auto coverage if they do deliveries and some type of theft coverage. A company that specializes in tax preparation probably doesn’t have a need for fire protection or auto insurance coverage, but will need theft coverage and vandalism, if necessary. If the business is not located in a climate that experiences extreme cold conditions, insurance that includes protection from water and freezing pipes is likely unnecessary as well.

Each company should purchase a policy that is catered to his or her own business to save as much money as possible while ensuring they have enough protection for their assets.

Hurricane season, which generally lasts June 1-November 30 in the United States, can be of great concern for business owners or homeowners who live in areas prone to these forces of nature, such as residents of the east and gulf coasts. With the 2015 season right around the corner, spring time weather can turn deadly very quickly. Therefore, it’s imperative people in these areas make sure various types of insurance coverage, such as homeowners insurance coverage and auto insurance, are updated to cover any losses they may incur.

For homeowners, there are steps they can take to help limit potential damage to their homes. Permanent storm shutters can be installed to keep windows from breaking, while straps or clips can be used to secure the roof to the frame’s structure in the event high winds arrive. It’s also a good idea to make sure all garage doors are reinforced, since failure to do so can result in catastrophic structural damage to a home if wind enters in this manner.

Business owners can also take steps to ensure they come through the situation with as little damage as possible. Commercial insurance policies should be updated to make sure the coverage is adequate, since many businesses start out with modest coverage amounts and then need additional coverage as the business grows. To limit damage to the building and surrounding area, any trees or bushes planted around the exterior should be trimmed back to make them as wind resistant as possible. Important documents should be put in a fireproof box and moved to a safe location, as should any equipment that can be transported.

Whether a homeowner or business owner, hurricane insurance should be an essential part of any insurance package for people living in the pathways of these destructive forces of nature.

Many people are leery about insurance, but that’s often because they have inaccurate information about how insurance works. Here are five of the biggest misconceptions about insurance coverage.

It’s too expensive

Cost is relative, but considering what you get for what you pay for, insurance is fairly cheap. The Affordable Care Act has made health insurance affordable for most people, and other types of insurance, such as renters insurance coverage, have always been pretty reasonable.

It excludes more than it covers

Though just about all insurance policies have exclusions, or things they won’t cover, these are small in number compared to what they do cover. And insurers are required by law to spell out in their policies things they won’t cover.

I don’t need insurance

There’s an old saying that you don’t need insurance until you need it. You could be one of the lucky ones and go through life never once needing to use your auto insurance, homeowner insurance or business insurance policy. But everyone dies and has to go to the doctor at some point, so you will always have use for a life or health policy. Plus, certain types of insurance are mandated by law.

Insurance companies do everything they can not to pay claims

Insurance companies are businesses, and their goal is to make money. But they are required by law to pay legitimate claims. As long as you have followed the rules of your policy and your claim is for a covered event, your insurer will pay.

Insurance fraud doesn’t hurt anybody but the insurer

Though insurers make some of their money on investments, a big part of their business model is bringing in more in premiums than they pay out in claims. For every false claim they pay out, that means higher premiums for insurance customers.

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