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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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Call 888-478-7801

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
4/18/2018

2018 Earth Day is this Sunday, April 22. The theme for this year’s Earth Day focuses on ending plastic pollution. Single-use plastic is believed to be the biggest source of trash in and around water worldwide.

We use plastic everyday- plastic bags, toothbrushes, water bottles, product packaging. It’s hard to go a day without plastic,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent boat insurance agency.

Some alarming statistics about plastic include the following:

2.5 million plastic bottles are used every hour in the U.S. (Recycle Across America)

8 million metric tons of plastic enter the ocean every year (Recycle Across America)

The Great Pacific Garbage Patch, the world’s largest collection of floating trash has grown to 600,000 square miles, twice the size of Texas. (Scientific Reports)

According to the website, Earthday.org, plastic poisons and injures marine life, disrupts human hormones, litters beaches and landscapes and clogs our waste streams and landfills. The movement is hoping to inspire and inform people into changing their attitude about plastics.

So, what can one person do to make a difference? Below is a list of suggestions to help you reduce the use of plastic.

Carry your own reusable shopping bags to the store.

Stop buying bottled water, carry a reusable water bottle.

Use a refillable mug at the coffee shop, you can even get a discount for it.

Say “no” to straws.

Checking your packaging. When possible, choose paper packaging over plastic, such as a box for pasta rather than a plastic bag.

Trade in your disposable razor for one you that you only must switch out the blade.

Change up your food storage. Instead of using plastic baggies or plastic wrap, try mason jars, bento boxes or glass containers.

Recycle

“Doing something is better that do nothing,” reminds Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent boat insurance agency.

If we all try and make one or two changes to our plastic use, collectively, we can make a difference. Consumer choice speaks loudly.

 

 

 

The post Trashing the ocean appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
4/5/2018

Recently, an 11-ft. alligator made its way into a homeowner’s swimming pool in Sarasota, FL after busting through the patio screen.

A seven-ft. alligator caused a traffic jam on Easter Sunday in Jacksonville, while trying to cross Interstate 295.

Warmer weather is bringing out alligators.

“Most Floridians have seen an alligator lurking around, especially golfers,” comments Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent boat insurance agency.

In 2017, the Statewide Alligator Nuisance Program (SNAP), received 13, 210 nuisance alligator complaints resulting in the removal of 8, 455 nuisance alligators.

According to the Florida Fish and Wildlife Conservation Commission (FWC), This once endangered species, has a healthy and stable alligator population estimated at 1.3 million in a variety of sizes just in Florida. In addition, alligators inhabit all 67 counties in Florida

An important part of Florida’s wetlands and eco-system, alligators become more active when the temperature rises and their metabolism increases. Mating season is from April – June.

“While alligators are a part of the Florida landscape, you certainly want to keep your distance,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent boat insurance agency.

Alligators are unique, in the fact they that inhabit land and water. This feature also makes them very dangerous. American zookeeper, Jack Hanna says an alligator can outrun all human creatures within the first 20-30 feet of exiting the water, making it very difficult for humans to outrun alligators.

The Key West Aquarium, has advice for living with alligators:

Avoid feeding an alligator, it is dangerous and illegal.

Stay at a safe distance of at least 50 feet away.

Do not approach an alligator to take a selfie.

Avoid checking to see if an alligator is alive.

Before entering a freshwater stream, lake or spring, check around. Alligators are often around even if you don’t see them.

Keep pets on a leash and away from the water.

Steer clear of water at night.

If one bites you, make as much noise as possible. Work hard to get away, use force and try poking at their eyes.

People with concerns about an alligator can call the Nuisance Alligator Hotline, 866-FWC-GATOR (866-392-4286).

 

 

 

 

The post Here come the alligators appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
3/28/2018

Finding your ideal car is a challenge. “Knowledge of reliable or well performing brands, is a great place to start,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent car insurance agency.

Recently, Consumer Reports not only compared models, but took it to the next level by comparing car brands. Scores are based on vehicle testing as well as owner feedback. Road-test score, predicted reliability and owner satisfaction, along with safety features,  are factored into the final score.

USA Today says, “Consumer Reports is watched closely because it is notoriously independent when it comes to car evaluations, including buying models that it tests from dealers rather than borrowing them from automakers.”

So, who made the lists? We will start with the bad news first. The following car brands proved to be unreliable and lacking in performance.

2018 Worst Car Brands

  1. Fiat
  2. Jeep
  3. Land Rover
  4. Alpha Romeo
  5. Mitsubishi
  6. Jaguar
  7. GMC
  8. Dodge
  9. Ram
  10. Mini

“Most of these car brands are not visiting this list worst car brand list for the first time. Several have been plagued with problems for years,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent car insurance agency. Notably, Cadillac and Chevrolet finally made it off this notorious list in 2018.

A 2017 dependability study by J.D. Power cites the most common problems with modern vehicles is technology issues, specifically pairing a smartphone to Bluetooth in the car.

Now for the good news. These drivers can drive with pride knowing they made a wise investment into a reliable car brand.

2018 Best Car Brands

  1. Genesis
  2. Audi
  3. BMW
  4. Lexus
  5. Porsche
  6. Kia
  7. Subaru
  8. Tesla
  9. Honda
  10. Toyota

These car brands represent the most satisfying by customers, by consistently producing top-quality models. With over 35 brands selling cars, truck and SUV’s in the United States, hopefully these rating can help guide you when making you next car selection.

The post 2018 best and worst car brands appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
3/14/2018

This year’s legislative session was unique. The tragedy at Marjory Stoneman Douglass High School prompted action from lawmakers, shifting the agenda toward the end. According to the Tampa Bay Times, Florida’s Legislature passed the fewest bills in two decades. The lack of progress could be due to the unexpected gun debate that took place. In response, legislators passed gun-control measures for the first time in 20 years.

Many of the same issues, along with some new debates were brought up again among lawmakers. Let’s look at what passed and what fell short.

FAILED

A bill to repeal the no-fault auto insurance system, requiring drivers to carry personal injury or PIP Coverage.

“Florida lawmakers have argued over eliminating PIP and replacing it with a fault-based system for years. It seems to never gain enough momentum to become law,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance company.

An effort to ban fracking, the controversial oil- and natural- gas drilling process.

A ban to red-light cameras.

A proposal allowing law enforcement officers to pull people over for texting while driving. A practice, the National Safety Council reports causes 1,600,000 accidents a year.

Creation of new specialty license tags.

Guns at church.

PASSED

Tax cuts by $168.6 million- including a property tax break for homeowners displaced by hurricane Irma and nursing homes that purchase electrical generators. It also includes back-to-school holiday exempting sales tax on clothing and school supplies and reduces sales tax on business rents.

“It adds an 18 percent reduction in penalties for non-criminal traffic infractions for drivers who attend driving school,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent auto insurance company.

Permanent daylight saving time.

Permits trained school employees to carry concealed weapons in school, raises the age requirement for gun purchases from 18 to 21, imposes a three-day waiting period for rifles and other long guns, allows police to seize weapons from those who pose a danger to themselves and others, and bans the sale of bump stocks.

A bill to make threats of mass shooting and terrorist attacks a second-degree felony.

Expansion of mental health services in public school.

K-12 -Creates voucher-like scholarships to pay for students who are bullied in public schools so they can attend private schools. Requires all schools to visibly display the Florida state motto, “In God We Trust,” and allows tenants of commercial property to direct tax revenue of up to $57.5 million in rent into the account of two scholarship programs.

More money for the state’s Bright Future’s merit scholarship program.

A homeowners’ insurance policy must visibly state that hurricane insurance does not include flood insurance.

Creation of the first Florida Slavery Memorial built on Capitol grounds.

Prescription limits on opioids and money for addiction treatment.

A resolution declaring pornography a health risk.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

The post Winners and Losers from the 2018 Florida Legislature appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
2/27/2018

The Florida Highway Patrol reports recently, that an elderly man was driving the wrong way on a Florida highway in an RV. The RV struck a truck head on, killing the truck driver and passenger. Three days later, the RV driver also passed from his injuries. Not only was the senior driver driving the wrong way, his lights were not on at the time of the crash. 29 days before the accident, he passed a driving test in his home state of Michigan.

After hearing a tragic story like this, it’s tempting to set age restrictions on a driver’s license. “Keep in mind, people age at differing rates,” reminds Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent auto insurance agency. One 75-year-old can barely get out of bed in the morning, while another person the same age, does yoga and goes for a run.

A decline in vision, cognitive functioning (the ability to reason and remember), physical limitations along with medical conditions and prescription medication can hinder the ability to drive. The most common condition the Department of Motor Vehicles (DMV) decides to restrict a license is for failing cognitive skills including memory, coordination and flexibility.

Although, more options are available for aging drivers. “Driver programs and car innovations are readily available to meet the challenges of senior drivers,” said Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency.

For example, The Florida Department of Highway Safety and Motor Vehicles (DHSMV), has developed the Florida GrandDriver program for aging drivers. It is an education and outreach initiative that provides information and resources on driving safely and how to plan for safe transitioning from driving. Also, Driver Rehabilitation Specialists offer refresher courses to keep driving skills sharp.

While it is important for senior drivers to maintain their driving independence, eventually elderly drivers and their family must have the difficult conversation about when driving capabilities are beginning to diminish and causing potential danger for others on the road and themselves. Consumer Reports found safety is the biggest motivator for handing over the keys.

How do you know it is time to have that awkward discussion with your loved one? AARP, has some warning signs that indicate a person should begin to limit or stop driving.

Delayed response to unexpected situations.

Becoming easily distracted while driving.

Decrease in confidence while driving.

Having difficulty moving into or maintaining the correct lane of traffic.

Hitting curbs when making right turns or backing up.

Getting scrapes or dents on car, garage or mailbox.

Having frequent close calls.

Driving too fast or too slow for road conditions.

The DHSMV requires that Florida drivers age 80 or older who renew their license undergo a basic vision test.

 

The post Too old to drive? appeared first on The GreatFlorida Insurance Blog.