Throughout the US today, most states require auto insurance before an individual is legally allowed to operate a motor vehicle, especially with other drivers on the roads. In Orange Park, Florida, the law is also enforced to ensure all drivers are protected in the case of an accident or potential bodily injury. Obtaining both bodily injury and property damage insurance is necessary for the state of Florida to keep both drivers and passersby safe while operating vehicles.
Before purchasing insurance in the state of Florida, it is important to verify the type of insurance you are obtaining and the amount of coverage you want to include within the plan of your choice. Our agents at First Florida Underwriters Inc ensure our customers that they have proper insurance before getting on the road to avoid traffic tickets or potential monetary lawsuits that stem from accidents and injuries while operating a motorized vehicle. Working together with an agent who specializes in auto insurance can get you the right coverage based on your financial situation as well as the amount of coverage you are seeking to protect yourself and the vehicle of your choice whenever you are driving. Whether you are in need of full and comprehensive coverage or uninsured motorist coverage, we are here to assist with the process from start to finish.
To work with an insurance agent who specializes in auto insurance throughout Orange Park, FL, contact First Florida Underwriters Inc today for more information and to get the coverage you need right away to protect you and your family every time you drive.
You do need to buy auto insurance in Florida in order to be legal on the road, but the type of auto insurance you buy is up to you. First Florida Underwriters Inc doesn’t want anyone to be caught unawares when they’re in an accident or something unexpected happens to their car. Find out more about how state limits, liability and other events will ultimately impact you and your finances.
Putting It All in Perspective
The last thing a person needs when they’re choosing auto insurance is a lot of jargon. The problem is that the rules of auto insurance can be overwhelming even for the people who work in the industry. When so much can happen on a day-to-day basis, there’s often too much information to cover in one short phone call or meeting. Liability insurance may be cheap when it comes to your monthly payments, but it won’t help you buy another car or get you to work if your transportation is in the shop. The state limits in Florida mean that you’re responsible for any costs outside of those limits. What you need to know is the bottom line — you need to protect yourself against out-of-pocket costs you likely won’t be able to pay.
Keeping Orange Park FL Safe
Our company is here for you if you’re looking for a better policy. First Florida Underwriters Inc helps people like you make decisions with a clear head, and we’re happy to be of service to our neighbors. If you live in Orange Park, FL and are thinking it might be time to take a few more precautions, then call us today for more information about how to revamp your policy and ensure you stay protected.
If you are the owner of a vehicle, then the chances are good that you already have auto insurance. In fact, it is mandatory by law in every state, although the coverages needed will vary from state to state.
Typically, comprehensive and collision coverage are not mandatory, but if you have a vehicle that is worth more than $5,000, it might be worth considering. Also, if you happen to be purchasing a vehicle by using financing, most lenders will require these types of auto insurance. Most of the time you will find comprehensive auto insurance and collision auto insurance being sold as a single entity…even though they are different. Collision insurance covers any physical type of damage to your own vehicle that is caused by an accident involving another vehicle or object. Comprehensive auto insurance covers any type of damage to vehicles that is not caused by a collision. This could be a run in with a deer. It also covers damage related to weather as well as the theft of your vehicle.
A simple way to remember the differences between the two is to relate collision auto insurance to collisions or accidents with vehicles or other things that aren’t alive. Comprehensive is what takes care of collisions with animals, weather-related damage and damage that is due to vandalism or theft.
Both of these types of auto insurance are not typically required with the state minimum requirements. That typically only involves liability, which will cover the cost of damage to the other party’s property when you are at fault in an accident.
If you are in the Orange Park, FL area and need more information, call or stop by First Florida Underwriters Inc today. We have friendly and knowledgeable agents standing by to answer all of your questions.
Road rage is the cause of numerous accidents. It can be sparked by anything from being cut off to taking a bit too long to move when the light turns green. Often, enraged individuals fuel each other. Thus, it is important to be aware of potential road rage both in yourself and in others. Follow these four tips to keep road rage to a minimum:
1. Stay in the right lane
Angry drivers absolutely hate being stuck behind slower individuals in the left lane. If you intend on sticking to the speed limit, it is in your best interest to remain in the right lane whenever possible.
2. Turn down the radio
Far from distracting you from your anger or the anger of others, loud music can actually add tension to an already difficult situation. If music is absolutely essential, switch out the rock or rap for calming classical music.
3. Avoid eye contact
In most situations, eye contact is a good thing, but on the road, it simply further enrages already angry drivers. If another driver is showing signs of road rage, make every effort to avoid eye contact.
4. Get off the road
Whether you are the culprit or other drivers are scaring you with their angry behind-the-wheel behavior, it’s in your best interest to pull over. Find a gas station, a rest stop, or some other location where you can take a few minutes to relax before returning to the road. A brief walk can make all the difference when you’re feeling tense.
Avoiding road rage is one of the best things you can do to keep yourself safe and your vehicle intact. Good coverage is just as important, so contact First Florida Underwriters, Inc. to learn what options are available for your vehicle.