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What is Florida Auto Insurance?

It is a contract between you and your insurer in which you pay the b a certain amount of money and, in return, the company will protect you from major financial losses due to an auto accident for a given period of time.

Whether you currently own an automobile or are a prospective buyer in Florida, you can get a Free Auto Insurance quote today. 

Simply call 888-478-7801 or complete our online quote request form. A GreatFlorida Auto Insurance Agent will help you find the best deal for you in Florida.

Why Do You Need Auto Insurance?

Insurance is your protection against economic disaster should you cause an accident that results in property damage or injuries to other people. It can help cover repairs to your vehicle and related medical costs.

What does auto insurance cover?

  • Bodily injury liability coverage – Pays for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defense.

  • Property damage liability coverage – Provides you with protection if your car accidentally damages another person's property. It also provides you with a legal defense.

  • Medical payments, no-fault or personal injury coverage – Usually pays for the medical expenses of the driver and passengers in your car incurred as a result of a covered accident regardless of fault.

  • Uninsured motorist coverage – Pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, underinsured motorist coverage is also included. This is for cases in which the at-fault driver has insufficient insurance.

  • Comprehensive physical damage coverage – Pays for damage to your car from theft, vandalism, flood, fire, and other covered perils.

  • Collision coverage – Pays for damage to your car when it hits or is hit by another object.

Can I get coverage with speeding tickets on my record? What about accidents or a DUI?

Yes. GreatFlorida Auto Insurance Agency owners understand that not everyone has a perfect driving record. They represent insurance carriers specializing in your unique situation.

What is a deductible on my auto policy?

In the event of a claim, this is the amount you will have to pay before your policy pays.

What's the difference between comprehensive and collision?

Collision is the part of the policy that covers your vehicle against damage caused in an accident. Comprehensive covers your car for damages not caused by a collision. It also covers against named perils such as hurricane damage and theft.

What are the Florida state required limits for auto insurance?

Florida requires a minimum of $10,000 coverage for property damage and $10,000 coverage for Personal Injury Protection.

What is uninsured motorist coverage?

Coverage designed to provide protection should you be involved in an accident with a motorist who is at fault and has either no insurance or not enough to cover your medical expenses. Uninsured motorist coverage does NOT cover damage to your vehicle.

I just moved to Florida. Is coverage the same from state to state?

No. Each state has unique rules and regulations for auto insurance. It’s important to be aware of the differences here in Florida.

Do I have to turn in my out of state tags and get new ones from Florida?

Yes. Upon moving to Florida a driver has 30 days get a new registration on the vehicle.

What is the Florida Financial Responsibility Law?

The law that requires owners or operators of autos to provide evidence that they have the funds to pay for automobile losses for which they might become liable. Auto Insurance is the usual method for providing this evidence to the state.

What is the Florida No-Fault Law?

The Florida No-Fault law requires PIP (personal injury protection) be carried by owners of motor vehicles and imposes penalties for failing to do so.

Why should I buy my auto insurance from GreatFlorida?

  • Most customers save money because we offer some of the most competitive rates around.
  • You can reach us any time, day or night, any day of the year.
  • You deal directly with a local GreatFlorida Agent in Florida.
  • We help you settle your claims quickly and fairly.

Simply call 888-478-7801 or complete our online quote request form. A GreatFlorida Auto Insurance Agent in Florida will help you find the best deal for you.

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About Auto Insurance in Florida

In the event of an accident, Auto insurance provides protection against monetary losses due to a car crash, as well as damages from a natural disaster or vandalism.

Florida drivers are required to have a minimum of property damage coverage and personal injury protection. Your Local Agent at GreatFlorida Insurance Florida, can familiarize you with legal requirements, additional coverage options such as bodily injury liability, collision, no-fault, uninsured motorist, comprehensive coverage and deductibles.

Your Local Agent at GreatFlorida Insurance in Florida shops all the major carriers to find the best policy and the best rate. Easy, Low-Cost and Worry Free. That's the GreatFlorida Insurance promise.

Simply call 888-478-7801 or complete our online quote request form.

Auto Insurance Florida Blog
by GreatFlorida Insurance
10/11/2017

Many Floridians are looking to replace their flood damaged cars, but buyer beware. Hundreds of thousands of cars are estimated damaged by recent hurricanes. Carfax estimates that as many as half of flood damaged cars eventually return to the market.

“Instead of landing in the scrap yard, they are dried out, cleaned up and put back on the market, reports Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance company.

In fact, flood-damaged cars can be resold in Florida. State law requires the title to be branded as flood damaged. Unfortunately, not all states require title branding to protect consumers. The Florida Department of Highway Safety Motor Vehicles (DHSMV) reports flood damaged cars from states without flood branding requirements can be resold in Florida with clean titles. Although, Edmunds reports, “A vehicle history report should reveal any branding for flood damage, even if someone has washed the vehicle’s title by moving it through states with differing regulations.”

Keep in mind, cars without flood insurance never receive an inspection, therefore no brand is added to the title. “Savvy buyers could find deals but are also taking a risk. Be suspicious if the deal seems too good, warns Buck with GreatFlorida Insurance, Florida’s top independent auto insurance agency.

How to spot a flood damaged car

Check the vehicle’s history- Consumers should take precautions such as getting a history of repairs and checking the VIN number with Carfax, the National Insurance Crime Bureau or National Motor Vehicle Title Information System databases.

Be alert to strange odors- a mold or mildew smell or the strong smell of a cleaning solution or air freshener to mask damage.

Look for stains, mineral deposits or discolored carpet.

Check out door panels to make sure they are not warped.

Inspect for dried mud under the dashboard or where the spare tire is kept.

Examine the exterior for water build-up-such as fogged up headlamps or taillights.

Flood damaged cars are usually sold by private sellers or independent used car dealerships, stick with a reputable car dealership in your area. Shady sellers will go to great lengths to turn a profit on a defective vehicle.

If you are looking for affordable and dependable auto insurance, look no further than GreatFlorida Insurance. We have you covered, contact us today!

The post Avoid buying a flood damaged car appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
7/26/2017

Starting in August, the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) will begin issuing a new Florida driver’s license and ID card.

“As a matter of fact, the last update to the cards was 2003,” points out Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency.

Updates to the card will offer a new look and feel, along with increased security. The makeover is an effort to nearly double the protection against fraud. “The new credential provides Floridians the most secure over-the-counter card on the market today,” claims FLHSMV.

The new card also conforms to Homeland Security’s REAL ID Act. REAL ID is a coordinated effort by the states and Federal Government to improve the reliability and accuracy of state-issued identification documents. This is turn, should inhibit terrorists’ ability to evade detection by using fraudulent identification.

new-dl-fraud-protection

The new driver’s license and ID card are unique to Florida. The card front incorporates a pastel colored linear rendering of the Florida state seal and a large orange “FL” over a stark white base. On the back of the card, an image of the state of Florida rests among ocean waves and the year 1845 is displayed. This refers to the year Florida became the 27th state in the Union.

Additional features include, photograph images that are printed with a transparent background and appear in four locations on the card. Differentiating head colors across the top will make it easy to determine what type of license each person owns. The blue font indicates a commercial driver’s license, a green font is a driver’s license, red font is an ID card and the orange font is across the learner’s license.

Plenty of new characteristics doubling as fraud protection measures include; redundant data, ultraviolet (UV) ink and optically variable data features. Also, the new design incorporates designations for lifetime sportsman, boater, freshwater, saltwater and hunting licenses as well as designations for veteran, organ donor, deaf/hard of hearing and developmentally disabled and more.

Those under 21 will find a red box on the front of their card that indicates the date they reach the legal drinking age.

For now, the new cards will be available at select service centers. The agency reports by the end of 2017, new credentials will be available at all service centers thought the state and online. Previous driver’s license and ID cards will still be in use alongside the new cards until it is replaced or phased out.

Floridians are only required to replace their current license of ID card if it is expired, or a name change or address change is needed. “Driving with an expired driver’s license can carry a fine, probation, suspended license and an increase of your insurance rates,” reminds Buck with GreatFlorida Insurance, Florida’s leading independent auto insurance agency. So, make sure you do not let your driver’s license expire.

Contact GreatFlorida Insurance today for all your auto insurance needs.

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The post Florida driver licenses get a new look appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
7/19/2017

Does yours make the list?

“A vehicle is stolen in the U.S. every 45 seconds,” reports Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent car insurance agency.

The National Insurance Crime Bureau (NICB) recently released their annual “Hot Wheels” report. It identifies the 10 most stolen vehicles in the United Sates.

Here are the top 10 most stolen vehicles in the U.S. in 2016, (the model year most stolen is in parentheses).

  1. Honda Accord (1997)
  2. Honda Civic (1998)
  3. Ford Pickup, full size (2006)
  4. Chevrolet Pickup, full size (2004)
  5. Toyota Camry (2016)
  6. Nissan Altima (2015)
  7. Dodge Pickup, full size (2001)
  8. Toyota Corolla (2015)
  9. Chevrolet Impala (2008)
  10. Jeep Cherokee/Grand Cherokee (2000)

16f4ef196a3ead1eef45571bee1d2cb0--infographics-vehicles

Honda Accords and Honda Civics make-up 42 percent of all top 10 thefts. These are mainly older, pre-“smart key” models. Honda has also equipped their more recent models with other anti-theft technology, greatly reducing the number of newer Civics and Accords from being stolen. Consequently, car thefts in general are down since their all-time high in 1992.

Surprisingly, the report reveals thousands of cars are stolen every year for a rather careless reason, because owners leave their keys or fobs in the vehicle. “Most vehicles are stolen from driveway’s,” says Buck with GreatFlorida Insurance, Florida’s top independent car insurance provider.

The Polk County Sheriff’s Office provides the following tips to keep your vehicle from being taken.

Never leave your car running while unattended, even for a couple of minutes.

Always lock your car and take your keys with you.

Close your windows and sunroof completely.

Do not keep an extra set of keys in a “hiding place.”

When possible park your car in a locked garage or well-lit area.

When selling a car, never let a stranger take it for a test-drive

Drop your business card or a return address label down into window channels for later identification.

Florida law requires that you have your license and registration with you in your vehicle, make a copy for you and other drivers and keep it in your wallet instead of your glove box. Some people who have their cars stolen also become victims of residential burglaries.

If your car is stolen, do not panic. Call your local law enforcement agency and your insurance agent. GreatFlorida Insurance can handle all your car insurance needs from the basics to full replacement costs.

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The post Top most stolen cars appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
7/5/2017

The Florida Department of Agriculture and Consumer Services report they have found and removed 276 credit card skimmers from gas pumps so far, this year.

“Credit card skimmers are a lucrative business,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency.

Skimming devices are often placed on ATMs and gas pumps to record bank and credit card information of unsuspecting users.

The Department of Agriculture and Consumer Services provide the following tips to avoid credit card skimmers at gas stations.

Pay in cash inside the store to ensure your credit card information stays safe.

Check to make sure the gas pump dispenser cabinet is closed and has not been tampered with.

Use a gas pump closer to the front of the station. Thieves often place skimmer at the gas pumps farther away from the store.

Use a credit card instead of a debit card. Credit cards have better fraud protection and the money is not immediately deducted from an account.

If using a debit card at the pump, choose to run it as a credit card instead of putting a PIN number in, to keep the PIN number safe.

Monitor bank accounts regularly to spot any unauthorized charges.

Consumers who suspect their credit card number has been compromised should report it immediately to authority and their credit card company.

“These crimes are often committed by crime rings that stand to make hundreds of thousands to millions of dollars off the crime,” says Buck from GreatFlorida Insurance, Florida’s top independent auto insurance agency.

So, how do they work?

The Palm Beach Post reports, thieves obtain a universal gasoline pump key that unlocks most of the nation’s gas pumps. A small device is then installed inside the pump’s cabinet.

Cyber security expert, Brian Krebs explains, “Most internal, modern pump skimmers are built to record data on a storage device that can transmit the data wirelessly via Bluetooth technology.” Some thieves can even receive the stolen information via text on their mobile devices. Once they have your stolen credit card information they often make counterfeit cards or sell off your credit information.

GreatFlorida Insurance provides affordable auto insurance to suit the right amount of coverage you need. Contact us today.

Florida-Auto-Insurance

The post Credit card skimmers are on the rise at gas stations appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
6/22/2017

An unusually active hurricane season has gotten off to an early start this year. The National Oceanic and Atmospheric Association (NOAA) has made their predictions for the Atlantic hurricane season. The season occurs  from June 1 – November 30. NOAA  believes 11-17 storms will be named. Five to nine storms will become hurricanes and two to four will develop into major hurricanes.

Many Floridians have proper supplies and food in preparation for a storm, but what about the car? “The majority of damage done to vehicles during a hurricane or tropical storm is from wind and water,” reports Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent car insurance agency.

FINAL 0523 Hurricane Graphic_pie chart-700x400

Incidentally, water damage can total your car. To prevent your car from damage here are some tips from Ready.gov:

If possible, move your car into a garage or covered area before a storm.

Have a full tank of gas if an evacuation is possible.

If you are caught in your car during a storm and the water is rising, move out of the car and get to higher ground.

Do not drive through a flooded area. Six inches of water can cause a vehicle to lose control and possibly stall. A foot of water will float many cars.

Be aware of areas where floodwaters have receded. Roads may have weakened and could collapse under the weight of a car.

Before the next storm ramps back up, make sure you have the proper car insurance in place.  Collision covers your vehicle if it is hit or if it hits anther object including a car. During a storm, you can easily lose control of your car and crash.

“Comprehensive coverage includes flood damage,” says Buck with GreatFlorida Insurance, Florida’s leading independent car insurance company.

Before you file a claim with your insurance company, take note of any electrical problems, rust, upholstery discoloration and staining, brittle wiring, silt and mud inside the vehicle and mildew or mold from moisture.

Additional assessing of your vehicle includes, checking the oil indicator. If it is too high, there may be water in your engine. You do not want to start your car because it can cause damage. Also, determine how long your car was submerged and how deep the water was. Was it fresh or saltwater? Fresh water is less damaging. By the way, warmer weather after a storm can accelerate corrosion.

If you are looking for affordable car insurance, check out GreatFlorida Insurance today.

Florida-Auto-Insurance

The post Is your car storm ready? appeared first on The GreatFlorida Insurance Blog.