We sincerely hope that you are having a great month of August thus far! Things are busy as ever here at All Lines Insurance. The blog post this month will touch on some of the car insurance laws that are specific to the state of Florida. We pride ourselves on keeping your current and prospective customers informed! Read up and enjoy the blog post!
Florida law requires individuals operating a vehicle over four wheels or more to maintain actual car insurance at all times. Proof of coverage must be present when you go through the vehicle registration process. Here are the coverage minimums:
$10,000 personal injury protection
$10,000 property damage liability
Other optional coverage is available such as collision, comprehensive, uninsured, and underinsured packages. You should definitely inquire with an agent, along with considering adding these options onto a package so that you can be completely covered in any and all car accidents or situations that you might run into.
Some of the factors that go into the price of your coverage relate to:
Where you live
What kind of vehicle that you drive
If your license is in good status
In Florida, drivers with a history of accidents or infractions may be required to carry bodily injury liability insurance. It carries a 10/20 minimum, meaning that the insurance company will pay out $10,000 per person for injuries, but that number cannot exceed $20,000 in total.
Two keys to weather safety are to prepare for the risks and to act on those preparations when alerted by emergency officials. These are essential pieces to the Weather-Ready Nation.
Refer to the Federal Emergency Management Agency’s (FEMA) ready.gov/hurricanes for comprehensive information on hurricane preparedness at home and in your community.
Highlights on how to prepare and take action are available below:
Plan & Take Action
Know if you live in an evacuation area. Assess your risks and know your home’s vulnerability to storm surge, flooding and wind. Understand National Weather Service forecast products and especially the meaning of NWS watches and warnings.
Contact your local National Weather Service office and local government/emergency management office. Find out what type of emergencies could occur and how you should respond.
Keep a list of contact information for reference.
Local Emergency Management Office
County Law Enforcement
County Public Safety Fire/Rescue
State, County and City/Town Government
Local American Red Cross
Local TV Stations
Local Radio Stations
Your Property Insurance Agent
Online hazard and vulnerability assessment tools are available to gather information about your risks.
Check your hazards risks with FEMA’s Map Portal. Rate your flood risk with the FloodSmart.gov portal.
Plan & Take Action
Everyone needs to be prepared for the unexpected. Your friends and family may not be together when disaster strikes. How will you find each other? Will you know if your children or parents are safe? You may have to evacuate or be confined to your home. What will you do if water, gas, electricity or phone services are shut off?
Put together a basic disaster supplies kit and consider storage locations for different situations. Help community members do the same.
Develop and document plans for your specific risks.
Protect yourself and family with a Family Emergency Plan
Be sure to plan for locations away from home
Business owners and site locations should create Workplace Plans
Make sure schools and daycares have School Emergency Plans
Pet owners should have plans to care for their animals. The Centers for Disease Control & Prevention offer information on animal health impacts in evacuation shelters.
Prepare your boat and be aware of marine safety if you are on or near the water.
Health & Environment
Follow guidelines to guard your community’s health and protect the environment during and after the storm.
Review the Centers for Disease Control’s (CDC) health considerations before, during, and after a storm.
Remember to follow the U.S. Food & Drug Administration’s (FDA) food and water safety guidelines during disasters.
Review the Environmental Protection Agency (EPA) suggestions for health and environmental safety in disaster preparedness.
Review the FEMA Evacuation Guidelines to allow for enough time to pack and inform friends and family if you need to leave your home. FOLLOW instructions issued by local officials. Leave immediately if ordered!
Consider your protection options to decide whether to stay or evacuate your home if you are not ordered to evacuate.
When waiting out a storm be careful, the danger may not be over yet…
Be alert for:
Tornadoes – they are often spawned by hurricanes.
The calm “eye” of the storm – it may seem like the storm is over, but after the eye passes, the winds will change direction and quickly return to hurricane force.
Wait until an area is declared safe before returning home. Remember that recovering from a disaster is usually a gradual process.
FEMA – Are You Ready? Guide
National Weather Service Weather Safety
Be a Force of Nature with NOAA’s Weather-Ready Nation
NWS Storm-Ready Sites & Communities
American Red Cross