jacksonville insurance

Speed Up Your Insurance Claim

Gather Information

The critical part of making the insurance claims proccess run smoothly starts at the scene of the accident. The information you’ll need to get from the other involved parties are:

After a Car Accident

Car Insurance on Wildlife Collisions

Facts about wildlife-related crashes

• Each year, about 200 people are killed
• Cost totals more than $8 billion
• 90 percent of the accidents occur on rural two-lane roads
• Most common animal involved is a deer

What to do if you hit an animal

Florida Car Insurance Requirements and Coverage

Minimum Insurance Requirements in the State of Florida

Florida is a “no-fault” state. This means that if you are injured in a car accident, your FL car insurance will pay your medical costs up to your policy’s limits, regardless of who caused the accident. The insurance minimums were put into law with the intention that every Florida driver at least has some protection through their car insurance. Florida state minimum requirements for car insurance include:

New Vs. Used Car Insurance Rates

Car Insurance for New Cars

There are many advantages of buy new cars over pre-owned cars. No mileage, clean record, and newer safety features can help lower your premiums. New cars tend to need less maintenance and have more accessible parts in case they need to be replaced using comprehensive coverage. With that said, a new car is an expensive car and the more expensive the car, the higher your overall car insurance rates will be.

Reasons to not lie to your insurance company

1. Lying Can Void Your Policy.

Let’s say you have a medical condition. It’s not serious but it’s still pre-existing. You inadvertently (or purposefully) omit the condition from your health insurance application. Then, through a series of unfortunate events, it comes to light that you’ve had this condition, known about it, and didn’t disclose it. This omission could void your health insurance policy.

2. Lying Won’t Get You Low Cost Insurance.

Ridesharing Insurance

Is Ridesharing Insurance Really Necessary?

Rideshare driving is a business – the drivers are not employed by the companies, but rather are contracted. This means that they are self-employed; owners of their own businesses. All businesses require the proper insurance, and as a Lyft or Uber driver, insurance that covers your paid driving time is essential.

Insurance Coverage On Rental Cars

Does Car Insurance Cover Rental Cars?

Whatever auto insurance you already carry will usually include coverage for a rental, as long as it is for personal use. In addition, health insurance would cover your own injuries in an accident, and homeowners or rental insurance will cover your personal items. So your decision to purchase rental car insurance or not will largely depend on what type of coverage you currently have.

Types of Rental Car Insurance

Bodily Injury Liability

What is Bodily Injury Liability?

Bodily injury insurance is one of two coverages that fall under a larger umbrella of liability insurance. The other coverage under liability insurance is property damage coverage. Liability car insurance does not protect you and your vehicle, but instead it will protect you financially for damage you cause to others.

What Does Bodily Injury Liability Cover?

Comprehensive Insurance

What is Comprehensive Insurance and What Does Comprehensive Insurance Cover?

Comprehensive car insurance covers any damage to your vehicle that did not occur from a fender-bender or from one car driving into another one. Examples of incidents that would fall under comprehensive auto insurance include natural disasters such as hurricanes or earthquakes, fire, vandalism, theft and falling objects, among others.

How Does Comprehensive Insurance Work?