Every driver is required by law to carry automobile insurance. However, some people get behind the wheel without it, and that may become your problem if you don’t have uninsured motorist coverage. Getting into an accident is traumatic enough without worrying whether anyone who hits you has insurance. The great news is, with the right coverage, this doesn’t have to be a problem for you. All Counties Insurance Agency & Traffic School can help you obtain the coverage you need in West Palm, FL. In the meantime, here’s some important information on uninsured motorist coverage.
Uninsured motorist coverage protects you against other drivers with no insurance. In the event of an accident, it pays for your property damage and injury caused by an uninsured driver. These drivers lack liability coverage, so you have to pay the costs you incur on your own either out-of-pocket or through your insurance. This type of insurance typically also protects you against underinsured motorists as well.
When you purchase uninsured motorist coverage, you receive protection against this risk. The coverage pays for expenses incurred in you’re in an accident with someone who doesn’t have liability coverage. Underinsured motorist coverage kicks in if the other driver has liability coverage, but has less coverage than you. For insured drivers, when an accident is the other driver’s fault, their insurance covers your damages. Of course, if the other driver has no insurance, then you are left holding the bag.
Talk to your agent at Insurance Agency & Traffic School. Set up an appointment to discuss all your insurance need and to get a quote that includes uninsured motorist coverage in West Palm, FL.
RVs are an amazing resource for relaxing, having fun and seeing the country. When they’re motorized, they can give a unique level of freedom. That freedom might come with a bit more responsibility. When it comes to insuring a motorhome against normal risks in Wixom, MI, there are a few tricks you might want to know. That’s why America’s Choice Insurance Partners are providing this tip on seasonal motorhome coverage.
Part-Time vs Full-Time
The first distinction that has to be made for RV insurance is how often you live in it. Plenty of people only “live” in the RV while they’re on vacations, but it’s not uncommon for individuals to make the motorhome the “always” home. Obviously, an always home needs year-round coverage. As for the part-timers, not all policies look as accommodating on the surface as they turn out to be.
Part-timer’s insurance is a common delineation for recreational motorhomes. It accounts for the fact that the majority of your nights each year will not be in the RV, and the cost of the policy reflects that. Some policies are designed around seasonal usage, but most take that seasonal price and simply split it into an annual price. In other words, part-timer’s insurance usually costs much less than full-timers, but you might still make 12 monthly payments on it.
Rules of the Road
The biggest reason for this arrangement is to insure you have proper liability on the road. Since a motorhome drives on roads, state laws treat it like any other vehicle. It needs that minimum car insurance, and that is usually rolled into your RV policy. A part-timer plan will set you up with everything you need to safely enjoy the motorhome.
Of course, there are always more options out there. If you want to make sure you have the right policy available in Wixom, MI, talk to your America’s Choice Insurance Partners agent today.
There are different types of insurance policies to serve various functions, and protecting yourself from waters caused by hurricanes is always a concern of Florida residents. The team at All Counties Insurance Agency & Traffic School understand the worries of their clients in the greater Palm Coast, FL area and are here to help. There are many homeowners and renters policy that specifically exclude coverage of damage caused by hurricanes, but there are other options. Florida residents are able to hold flood insurance that provides coverage for water damage that is caused by a storm or other natural disasters.
Protect yourself, your home, and your family from hurricanes
Now is an excellent time to make sure that your insurance portfolio is complete and has all of the coverage that you need. Flood insurance is important to have in Florida, as hurricanes can cause quite a lot of damage. In addition to flood insurance, a wind policy is also advisable to give your home the full range of protection that it requires. Flood insurance can help you to recover from the damage that your home sustains due to the waters from a hurricane. This protection can sometimes include coverage for your structure and your belongings up to a certain level, depending on the policy. Some policies will also provide coverage for alternative housing while your home is uninhabitable during repairs.
Interested in finding out more about how you can protect your home from the damage caused by hurricanes? Contact the team at All Counties Insurance Agency & Traffic School today and schedule an appointment to meet with one of our helpful agents. We are proud to serve our greater Palm Coast, FL community and look forward to working with you too!
If you’re like many people shopping for a new home, one of the main matters that get your attention is the neighborhood and the look of its exterior and interior. But when it comes to serving people in Florida, we at All Counties Insurance Agency & Traffic School want you to think about location and structural materials.
Location, Location, Location
Here’s why location and construction materials matter. Insurance costs more for homes near a body of water. Standard homeowners policies do not cover damage done by flood waters. You’ll have to buy this coverage from the federal government or an independent agent. Find out where emergency services are located near it, the natural disasters the area is prone to, and the building materials used in construction.
Homes that are near a fire station with a year-round staff are less costly to insure, as are ones that are near a fire hydrant. A Class 1 fire department is the better to be near than a Class 10 one. Since Florida is susceptible to natural disasters like hurricanes that bring rain and wind, its insurance rates are high.
Now to the materials in your home. Does it support cement fiber siding, concrete stucco or stone, and brick veneer to better resist fire? Typical vinyl siding is not fire resistant. Another issue is that it and aluminum siding are easily damaged by wind. And manufactured homes are lighter than most traditional homes, which makes them prone to wind damage also. Fires also spread more quickly in them.
Now that you have some information about factors influencing insurance rates when you want a quote, contact All Counties Insurance Agency & Traffic School. We are ready to help Florida residents find a policy and get a quote.