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First Florida Underwriters Insurance blog

How much auto insurance is required in Florida?

Florida is a “no-fault” state, which means that all drivers are required to have enough insurance to cover damages sustained in a car accident regardless of whether or not they are responsible for the incident. It may be confusing to understand the “no-fault” policy at times, which is why some Orange Park, FL residents are left wondering how much auto insurance is needed to fulfill the state’s requirements. The agents at First Florida Underwriters Inc. can help you understand Florida’s car insurance policies so that you are fully covered in an accident. 

How much auto insurance does Florida require?

The Sunshine State requires drivers to show proof of at least $10,000 in bodily injury protection for each person ($20,000 per accident). Drivers must also have at least $10,000 property damage liability and $10,000 personal injury protection (PIP) to legally operate a vehicle in Orange Park, FL, and throughout the state. 

What is personal injury protection?

Personal injury protection is an addition to your indemnity policy that covers medical expenses as well as lost wages. This extension makes Florida’s “no-fault” insurance policy possible by paying for damages that a traditional indemnity plan would not ordinarily cover. 

How much auto insurance do you need in Florida?

The state minimum may not be enough to keep you from suffering significant financial loss if you are involved in a car accident in Florida. The agents at First Florida Underwriters Inc. can help you find the auto insurance policy that works best for your lifestyle. Do not wait until it is too late to find out that you do not have enough indemnity coverage. Call First Florida Underwriters today to get started with a quote for insurance. 

3 Things You Didn’t Know About Motorcycle Insurance

Owning a motorcycle is exciting. Any road can become an amazing adventure. You probably know that you need at least liability insurance to drive safely in most states. What you may not know, is that motorcycle insurance sometimes has some great perks. At First Florida Underwriters Inc serving Orange Park, FL, we love to help educate our clients and future clients on topics such as this. So, let’s take a look at 3 things you might not have known about motorcycle insurance. 

All Motorcycles Can Be Insured

If you have a specialty bike or a bike that has been customized, it can still be insured. These types of motorcycles often need a special policy to make sure the entire worth of the bike is insured. If you have a bike that falls under this category, you should speak one on one with an insurance representative to find out what kind of policy will work best for you. 

You Can Insure More Than Just The Bike

Many policies offer coverage beyond simply the bike. Protective gear is essential to safe riding and it is not cheap. In some cases, your protective gear can also be covered in your motorcycle insurance policy. 

Get Help Along The Way

Many insurance policies have add on coverage to help you out if you are traveling. Just like with your vehicle, there are coverages to help with trip interruption should you face a problem while traveling on your bike. These can often include towing, repair, while trip interruption coverage can sometimes pay other costs incurred by being stranded. 

If you would like to learn more about motorcycle insurance, please contact our friendly staff at First Florida Underwriters Inc serving Orange Park, FL. 

Why you need to get RV insurance in Florida

For people all over the Orange Park, FL area, one great mode of transportation to consider investing in is an RV. When you own an RV, you will have a convenient vehicle that can double as a vehicle and place to relax and sleep. While an RV is a great asset that can provide you with great memories, it is also an item that needs to be properly insured. There are several reasons why you need to get a quality RV insurance policy. 

Covers for Liability

One reason to get an RV insurance policy is that it will give you liability insurance coverage. Similar to when you operate any other type of vehicle, there is a risk that you could cause an accident. If this accident results in bodily injury or other damages, you could be found liable. Fortunately, the liability component of your RV insurance policy could give you the coverage for this that you need.

Protects Asset

Buying an RV is a very major purchase and one that needs to be protected. When you get an RV insurance policy, you are going to get the coverage that will protect your RV. If your vehicle is damaged in an accident, stolen, or damaged otherwise, a full RV insurance policy will give you coverage for your loss. 

There is no doubt that owning an RV in Orange Park, FL could be a great option and investment. Since having RV insurance is so important, you should work with someone that you trust when shopping for a new policy. The team at First Florida Underwriters Inc is a great resource for all of your RV insurance needs. First Florida Underwriters Inc can help you to build a policy that provides the right protection for your asset. 

What Kind of Coverage is Included with Boat Insurance?

If you live in the Orange Park, FL area, it can be a lot of fun to own your own boat. Due to the warm weather that you will receive much of the year, you can spend a lot of fun afternoons on the local waterways. When you are looking to get a boat, you should consider getting a boat insurance policy. A full boat insurance policy includes a variety of forms of coverage that can protect you in several different ways.

Gives Liability Protection

One of the advantages of getting boat insurance is that it can provide you with great liability protection. When you are operating a boat, there is going to be a small chance at all times that you will be involved in an accident. If you are found at fault for any of the related damages, it can be very expensive to fix and pay restitution. The boat insurance will cover you in these situations.

Protects Your Boat

Additionally, you want to make sure that your prized asset is properly covered. When you have a boat insurance policy, it will give you coverage for many different types of situations that could cause a loss for you. If your boat is stolen, damaged, or incurs another form of loss, it should be covered by your boat insurance policy. This ensures that you can replace or repair your boat.

Those that need boat insurance in the Orange Park, FL area should contact the team at First Florida Underwriters Inc as soon as they can. When you reach out to the team at First Florida Underwriters Inc, you can learn a lot more about all of your insurance options for your boat. This will help to ensure that you are properly covered for your boat coverage needs. 

Different Types of Commercial Insurance to Cover

As a business owner in Orange Park, FL, there are plenty of different commercial insurance options that you should be aware of. An agent at First Florida Underwriters Inc. can help you determine the best fit for your business.

Business Liability Insurance: Most businesses in Orange Park, FL should consider this insurance. It can protect you in the event a third party sues you. It covers the cost of legal fees and any settlements you have to pay. There are different types of liability insurance policies depending on your business.

Workers’ Compensation Insurance: This policy pays for medical care and partial wages for any employees who are injured on the job. If an employee dies from the injuries at work then this can pay for compensation to the family.

Property Insurance: This covers you from physical disasters, such as theft or fire. Depending on the coverage you choose, not only does it cover the building your business operates in but also the property within the building, such as inventory and furniture. This is especially important if your profit depends on having a physical location.

Commercial Auto: If you have cars owned by your business then you need a commercial auto policy. If you are using your own personal car for business then some auto insurance policies can exclude coverage for an accident if the car was actually being used for business purposes.

Business Owners Policy: This policy bundles different types of commercial insurance and is designed for a small business to get insurance at a lower price.

Business Interruption Insurance: If you have lost income due to property damage then this insurance can help reimburse you for salaries, rents, taxes, and net profits that would have been earned while your business was shut down and being repaired.

Contact First Florida Underwriters Inc. to get a quote on commercial insurance for your business.

Is Your Car Prepped for Holiday Travels?

With the holidays right around the corner, now’s the time to prepare your vehicle for upcoming travels. Whether you’re planning to visit relatives in another state or having relatives visit you, you will need your car in tip-top shape for family excursions, shopping trips or sightseeing. Here are some tips from First Florida Underwriters Inc in Orange Park, FL on prepping your vehicle for the holidays.

Have Your Car Inspected

Before the holidays, have your vehicle inspected to ensure everything’s in working order. Ask your mechanic to check the engine, belts, fluids, brakes, tires and wipers to avoid problems during long distance travels. If you need an oil change, get it done before hitting the road. A thorough inspection will give you peace of mind that your vehicle is ready for holiday travels.  

Clean Your Car – Inside and Out

Give your car an in-depth cleaning, inside and out. Wipe down seats, dash and doors and vacuum flooring to eliminate dirt and debris. A clean car will be more inspiring to travel in, both around town and on a holiday road trip. It also reduces the risk of health problems such as asthma or allergies.

Pack an Emergency Kit

Anytime you travel, you should hope for the best but plan for the worst by packing an emergency auto kit. Your kit should contain such essentials as flashlight, cell phone charger, jumper cables, flashlight with spare batteries, first aid kit and flares in case you break down on the road. Bring extra water, snacks and blankets as well to keep kids happy and comfy until help comes.

Review Auto Insurance

Don’t forget to review your auto insurance to make sure you have the protection you need on the road. For comprehensive auto insurance at reasonable costs, contact First Florida Underwriters Inc in Orange Park, FL. 

Take Along Checklist for New Motorcycle Buyers

Planning to purchase a motorcycle to explore the Orange Park, FL area? In your excitement, it’s easy to overlook important details. Take this short checklist along for the ride when you’re inspecting a possible buy. These tips are most helpful for those in the market for preowned motorcycles, whether from a licensed vendor or a private party.

  • Do some research to know what you want. Do an honest assessment of your physical condition, skill level, and preferences to narrow down your choices. Make a list of 3 to 4 models that might fit your needs.
  • Call the motorcycle insurance experts at First Florida Underwriters Inc before you shop. They can help you understand how your buying choices might affect your policy options.
  • Ask for pictures when communicating with online sellers. Inspect the photos for signs of damage like scratches, dents, or clearly broken parts. Request multiple angles and closeup shots. Sellers who refuse these requests could be trying to hide something.
  • The VIN number is an identifier that is linked to every official report related to that vehicle. Get the bike’s VIN number and use an online search site to find out if the motorcycle has been involved in any accidents, received recommended maintenance, or have changed ownership.
  • Inspect the motorcycle before attempting a test drive. Visually inspect:
    • wheels
    • tires
    • brakes
    • suspension
    • gauges
    • engine
    • exhaust
    • belt drives
    • chains
    • oil battery
    • handlebars
    • switches
    • cables
    • levers
    • fuel tank and lines
    • lights
    • charging system
  • Take the bike to a certified mechanic for a full inspection before purchasing.  An expert can help you understand potential maintenance or repair costs. This information can be helpful in price negotiations as well.

Once you’ve purchased the bike of your dreams, contact the agents at First Florida Underwriters Inc to complete the signup for your Orange Park, FL motorcycle insurance.

What You Should Know About RV Insurance Before You Hit The Road

Owning an RV is one of the best ways to travel to our beautiful country. RVs offer maximum flexibility and tons of fun. However, if you are not properly prepared with the appropriate insurance, your RV experience can quickly turn bad. Here are some insurance tips for Orange Park, FL residents to keep in mind before they hit the road in their RV. 

Understand the Basic Minimums for Your State

Just like with auto insurance, each state will have basic insurance minimums for RVs as well. Understanding what these minimums are will keep you protected in the event of an accident. Most RV policies are similar to auto policies. These will include Bodily Injury, Property Damage, Collision and Comprehensive. In addition to these, there are other types of coverage that you can also add to your policy in some cases. To get specific information you will need to speak with a representative from First Florida Underwriters Inc. 

Know Your RV

You should also be aware that different types of RVs will require different types of insurance coverage. Your coverage and costs will depend on whether you have a class A, class B or class C RV. The types of insurance are based on how expensive the vehicle is. 

RV Insurance Is Not the Same as Auto

There are many auto insurance companies that will sell you a policy, but you should note that an auto policy will not cover many things that RV owners need to be covered. For instance personal belongings, which would be traveling with many RV owners, are not covered under traditional auto policies. 

In order to get the best RV policy and coverage, it is best to speak with a knowledgeable insurance representative from First Florida Underwriters Inc. We can help you figure out your coverage needs in Orange Park, FL and surrounding areas. 

 

When is Boat Insurance a Necessity

If you live in the Orange Park, FL area, investing in a boat can be a great option. Due to the access to water and warm weather, there are plenty of great opportunities to spend your day under the sun and on your own watercraft. When you do own a boat, it is important to consider getting insurance as there are several situations in which having boat insurance could be a necessity for you.

Lease or Loan

One situation in which you may be required to have a boat insurance is if you have a lease or loan against your boat. If you took out a lease or loan, the provider will be still using your boat as collateral. They will require that you carry a full boat insurance policy as long as your financial obligation remains. You likely will have to provide evidence of this when you take out the loan and from time to time afterwards.

Local Requirements 

Depending on where you use your boat, you may also be required by local requirements to carry boat insurance. Local requirements often wanted to make sure that you have proper liability insurance in place. When you have this type of insurance in place, it will help to make sure that you are able to make restitution if you are found to be liable for an accident that caused damages.

If you have a boat int he Orange Park, FL area, it is important that you keep it covered by insurance. If you are looking to buy a boat or are examining your boat insurance needs, you should call First Florida Underwriters Inc. The team at First Florida Underwriters Inc can help you to get into a policy that will provide you with a great level of insurance to protect both you and your boat. 

The Basics of Workers Comp Insurance

Workers Compensation Insurance is a multi-faceted and often confusing set of the legislature that may keep business owners from correctly accomplishing their goals. A solid understanding of workers comp coverage requirements is a simple way to avoid accidents and any legal issues that may arise in the future.

The State of Florida requires employers that conduct work within state boundaries to provide a form of workers’ compensation insurance for their employees. Specific requirements will ultimately depend on the type of industry, individual organization of the company, and perhaps most importantly, employee volume. The number of workers you employ will have a significant impact on the amount of coverage necessary. Companies are required to offer workers compensation insurance to employees when:

  • A construction company employs one or more employees, including corporate officers and Limited Liability Company members.
  • Any non-construction companies that employ four or more employees, plus corporate officers and LLC members. Sole proprietors and Partnerships are not considered employees under this law unless otherwise specified.
  • Agricultural operations that employ six regular employees or twelve seasonal workers. Seasonal employees must work more than thirty days in a season, but less than forty-five days over the course of a year.
  • Any contracting business must verify by law that their sub-contractors offer workers compensation to employees. Without proper workers comp insurance, the employees of the sub-contractor become the employees of the contractor, making them responsible for all policy demands.

First Florida Underwriters Inc is honored to serve the citizens of Orange Park, FL with some of the most dedicated associates in the state. Our deep knowledge of workers comp insurance can be used to serve your business’ unique needs, no matter what they may be. Reach out to us today to start building the right policy for you.