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Driving for app based transportation companies is rapidly increasing in popularity. Whether you drive full-time for a rideshare company such as Uber or Lyft, or it is the source of additional income, make sure you are covered.

GreatFlorida Insurance is offering rideshare insurance to meet the growing demand from rideshare drivers for full coverage.
GreatFlorida Insurance is one of the few insurance companies in Florida to offer rideshare insurance. We make sure you, your passengers and your vehicle are protected while driving.

Our company offers a rideshare endorsement to supplement your auto policy. It fills in coverage gaps while driving for a rideshare company and keeps you covered while you drive for personal use.
Give us a call today at 888-478-7801 to discuss GreatFlorida rideshare insurance and speak to an agent in your area.

FAQ’s

Doesn’t the rideshare company’s insurance cover me while driving?
Uber and Lyft provide a $1 million insurance policy while a passenger is in your vehicle. It serves as your primary insurance during this time. The same coverage is not extended to drivers while you are logged into the app without a passenger.
Policies vary between the different rideshare companies, especially during the time when you are logged into the app but have no passenger in your vehicle.

Coverage Gap
Just because you are signed into the rideshare app does not mean you are covered. The time between logging into the app and a passenger entering your car, you could be uninsured or underinsured. This is considered a coverage gap.
While logged into the app, accepting a job, driving to a passenger and waiting for them to enter your vehicle, your personal car insurance is responsible for damages. During that time many rideshare companies have a policy that is “contingent,” making it a gray area.

Doesn’t my auto insurance cover me?
Most drivers with auto insurance have a personal auto insurance policy. It is intended for personal use not for commercial driving or driving-for-hire.
Unfortunately, personal auto insurance companies would be likely to deny your accident claim. When you are logged into a rideshare app, insurance companies consider that as driving-for-hire, so it would fall into the commercial driving category.

What if I do not make changes to my auto policy?
If your auto insurance discovers you are using your vehicle for profit, such as ridesharing without proper insurance, they can set the policy to cancel or non-renew. 

Additionally, should a claim occur while a driver is logged into the rideshare app and they do not have rideshare insurance, their claim can be denied by their auto insurance company.

Commercial auto insurance is also available to drivers who participate in rideshare but it can be more expensive and limiting when it comes to personal use. That is why GreatFlorida Insurance offers rideshare insurance, as a less expensive option to supplement your personal auto policy, while covering the gaps a rideshare company doesn’t cover.

Accidents are inevitable. Make sure you are covered during personal use and while ridesharing with GreatFlorida Insurance’s rideshare insurance.
If you are a rideshare driver, agents at GreatFlorida Insurance can make sure you get the proper coverage for you and your passengers. Contact us today to discover all the auto insurance options available for you.

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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Uber Insurance Florida 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.

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

by GreatFlorida Insurance
5/17/2017

It was a busy legislative session in Florida this year. State legislators filed about 1,900 bills. Only 12.6 percent, or 234 bills, were passed by both the House and Senate chambers, according to the Tampa Bay Times.

“The fewest in at least 20 years,” reports the Sun Sentinel.

“There were three insurance related bills, whether you support them or not, all of them failed,” reports Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s biggest independent auto insurance agency.

Listed below are other successful and unsuccessful proposals politicians had to consider in 2017.

 Passed

$82.4 billion state budget approved

A plan to build reservoirs south of Lake Okeechobee to treat polluted water before it flows downstream into Florida Bay. This is in response to toxic algae blooms.

Grocery stores and big box stores such as Walmart and Target can sell liquor.503073214_19256215_8col

Ride-sharing companies such as Uber and Lyft cannot be regulated by local governments but establishes statewide requirements for insurance and background checks.

Boat owners who have locator beacons will receive boat registration fee discounts

Parents and school district residents will have an easier time challenging educational material used in classroom instruction or school libraries, including books, pamphlets and presentations a parent finds objectionable, offensive or inappropriate for the age of the student.

More support for students to express their religious beliefs in public schools, while requiring school districts to adopt policies allowing “limited public forums” for students to pray at school events.

 

Failed

The repeal of PIP, personal injury protection as part of car insurance. “A repeal would lower the costs for people who currently carry bodily injury protection as part of their car insurance, but increase it for people with policies covering the minimum,” says Buck with GreatFlorida Insurance, Florida’s top independent car insurance agency.

A bill to repeal Florida’s red light camera law

A requirement that first time DUI offenders have an ignition interlock device installed in their vehicle.

Ban on the use of disposable plastic bags.

Cities and counties cannot pass new regulations on private homes used as vacation rentals such as Airbnb and HomeAway.

Assignment of Benefits-Changes a policy that allows homeowners in need of property repairs to sign over benefits to contractors, who then pursue payments from insurance companies, to curb litigation claims.

Call GreatFlorida Insurance for all your auto insurance needs. We can craft a policy to suit your needs. Contact us today.

Florida-Auto-Insurance

The post Winners and losers from the 2017 Legislative Session appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
4/27/2017

After spending a good amount of money and time planning your ideal trip you might be thinking of  purchasing travel insurance. But, you might already be covered.

Homeowners insurance, renters insurance, auto insurance and medical insurance follows you on vacation,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent homeowners insurance provider. That includes; rental cars, illness, stolen items, lost luggage, accidental injuries and property damage. Before you buy travel insurance, check your policy and see what is currently covered. You want to avoid paying for insurance coverage beyond what is necessary.

Medical coverage

Your current health insurance policy could provide adequate coverage on your travels. Check coverage in the area you are headed. You might be surprised to find doctors and facilities that accept your health insurance even overseas.  The U.S. Department of State urges international travelers to make sure they have health insurance where they are traveling. Many foreign doctors and hospitals require cash payment and emergency medical evacuation can cost up to $100,000. Also, Medicare is not available outside of the country.

While illness is covered during your travels, a pre-existing medical condition might not be. This is a detail you will need to review with your insurance agent.

Lost or stolen items

It is a pain to arrive at your destination without your luggage. The U.S. Department of Transportation limits lost baggage claims to $3300. Keep in mind, airlines account for depreciation of your stuff so if you are traveling with golf clubs or pricey camera equipment you might want to make sure your luggage is covered. Stolen items and lost luggage are reimbursed under your homeowners insurance and renters insurance policy.

“Make sure to know your insurance coverage deductibles and limits before taking off on vacation,” says Buck with GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

Rental cars

Auto insurance will extend to a rental vehicle. If you cause an accident while driving a rental car, the liability portion of your auto insurance would cover the damages to other cars or property.

Travel insurance

One of the most common misconceptions about travel insurance is the idea that you can cancel for any reason and be reimbursed. Travel insurance will reimburse you on a majority but not all expenses. Like other insurance policies, the amount you pay for travel insurance will depend on a few variables. The type of coverage you choose, how many people are traveling in your party, age, destination and the length of travel. You can expect to pay 5 to 15 percent of the cost of our trip. The deductible amount is usually $200.

Make sure you are not paying for insurance you already own. Check out your current health insurance, auto insurance, renters insurance and homeowners insurance policy to see how much you are covered for while on vacation.

Contact GreatFlorida Insurance for all your insurance needs today.

 

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The post Are you insured on vacation? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
3/22/2017

Harsher penalties are looming for first-time drunk driving offenders.

A Florida bill (HB 949) that requires an ignition interlock device installed in a driver’s car after their first drunk driving conviction has passed its first committee in the Florida House of Representatives. On Tuesday, it passed through the Transportation and Infrastructure Subcommittee. The bill must pass through two more committees before reaching the House floor.

“The motive behind introducing a bill like this is to prevent drinking and driving while keeping others safe, says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent car insurance agency.

InfographicStat-67reductionInRepeatOffenders

Current law only requires first-time DUI offenders to install an interlock device if the person had a .15 percent blood alcohol content or more, or if a minor was in the vehicle.  Also, devices are mandatory for offenders with multiple DUI’s.

Drivers required to install a device must contact an approved vendor for installation. The cost to lease a device ranges from $50 to $100 per month.

“Damages from DUI’s come in at over $50 billion year,” says Buck with GreatFlorida Insurance, Florida’s top independent car insurance agency.

In order to understand how it works, a driver blows into the device and it measures a person’s breath alcohol content. The IID only allows the vehicle to start if their blood alcohol content is below the legal limit.

Opponents worry the legislation could be too harsh for first time offenders. However, The National Highway Traffic Safety Administration (NHTSA) reports about one-third of drivers arrested or convicted of drunk driving are repeat offenders.

On the other hand, supporters feel the bill will help save lives. According to Mothers Against Drunk Driving (MADD) a drunk driver has driven drunk 80 times before their first arrest. MADD supports the use of ignition interlock devices. They believe that suspending the license of these drivers makes sense. Unfortunately, three out of four of those with a suspended license continue to drive.

GreatFlorida Insurance is aware, everyone makes mistakes. Not only do we provide quality car insurance, but we also offer SR-22 insurance and FR-44 insurance. Contact us today.

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The post DUI ignition interlock bill gains momentum appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
3/8/2017

While Florida does not require you to get boat insurance before you register your vessel, boat insurance is a good idea. Boat insurance offers protection from the responsibility of owning, operating and towing your boat.

“Many homeowners, mistakenly assume a boat is covered under their homeowner’s insurance,” said Ellsworth Buck, Vice President of GreatFlorida Insurance.“Depending on your homeowner’s policy, you might have limited coverage on a small vessel on your property.”

As a matter of fact, if your boat is financed, your lender may require you to have boat insurance. Also, certain marinas and harbors require insurance for you to dock your boat.

Much like car insurance, there are different options to choose from when it comes to buying boat insurance. Your insurance needs depend on the type of watercraft you own while selecting the option you feel most comfortable with.

boat-accident

Buck, with GreatFlorida Insurance explains the difference between liability, collision, comprehensive and medical coverage.

Liability Losses– this will cover bodily injury and property damage in an accident where you are at fault.

Comprehensive and Collision Physical damage or comprehensive and collision will cover any out of water incidents. Collision covers damage to a boat involved in a collision. Comprehensive coverage protects your boat if it is stolen, damaged by a fire or vandalized.

Uninsured Coverage– this will cover costs for damage and injuries if you are involved in a collision with a boater that does not have boat insurance.

Medical Coverage– will cover costs related to injuries suffered in a boat accident. Check your health insurance first, it could provide the adequate coverage you need.

Additional coverage is also available for fishing equipment and other boat related personal property you want to insure.

Financial Website, Money Crashers recommends purchasing comprehensive coverage if you have a loan on your boat or you own a newer model.

When purchasing boat insurance, you must also choose how the insurance company will pay you in the event of a claim.

The National Marine Manufacturers Association (NMMA) encourages boat owners to insure their boat for the amount it would cost you to replace it which is the “Agreed Value.”

The “Actual Cash Value” coverage reimburses you the current market value for your boat or personal belongings. Because everything depreciates, you will usually get less than what you originally paid.

As a final point, boat repairs can be costly making boat insurance a great defense to protect your investment.

GreatFlorida Insurance covers a wide variety of boats including yachts, ski boats, pontoons, jet boats, sailboats, bass boats, commercial vessels also cover personal watercraft such as a Wave Runner.

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The post Do I Need Boat Insurance? appeared first on The GreatFlorida Insurance Blog.