Minimum Requirements for Commercial Auto Insurance Policies in the State of Florida

If you’re operating a vehicle for any business-related purpose in the State of Florida, you need to get commercial insurance. It’ll be necessary for any vehicle that’s being used for the following purposes:

  • Picking up and delivering goods (such as materials, newspapers, and food).
  • Delivering messages.
  • Taxi and limousine services.

You will also need to get commercial auto insurance on any vehicle that is titled to any business or corporation, as well as any vehicle that is being rented or leased by another person. You will also need a commercial auto policy for any vehicle that will be equipped with any of the following:

  • Snowboarding equipment.
  • Cooking or catering equipment.
  • Bathrooms.
  • Altered suspensions.
  • Hydraulic lifts.
  • Racing equipment

Regardless of the situation, you will need to a commercial policy on any vehicle that’s being used for business-related purposes, even if it’s being used for personal reasons as well.

Coverage Requirements for Commercial Auto Policies

Most states have the same minimum requirements for commercial vehicles as they do for an automobile that’s being used for personal reasons, but there may be some additional requirements if you’re transporting passengers or any hazardous materials. Be sure to talk to an agent to find out what the laws are for commercial auto insurance in the State of Florida, and Connect America Insurance Agency in Jacksonville, FL can help you get the information you need. Our expert agents will be able to get you an affordable commercial insurance policy that will meet state standards. Be sure to contact us today to find out how we can help you!

Federal Regulations on Commercial Auto Insurance

In addition to the state-required minimums, there are strict federal regulations with regard to commercial auto insurance policies – especially if the vehicle is transporting goods or passengers across state lines. However, the specific regulations will depend on what it is you’re transporting. Any provider of commercial insurance must make regular filings to the Federal Motor Carrier Safety Administration (FMSCA) to prove that your policy complies with certain standards. They act as a “proof of insurance,” and they certify that your policy meets current commercial insurance requirements.

If you have any questions about your current commercial insurance policy or need to purchase coverage for a commercial vehicle, you should get in touch with Connect America Insurance Agency in Jacksonville, FL. We would be happy to help you get the coverage you need, and we’ll make sure it’s a price that you can afford. If you want to more information about getting a quality commercial auto insurance policy, get in touch with us today!

Why Minimum Coverage Isn’t the Best Decision for Car Insurance

It can seem appealing to go with the lowest cost car insurance in Jacksonville, FL in the form of minimum coverage. However, what is saved on a slightly lowered monthly premium charge can end up being paid 10 times as much out of pocket when an accident occurs. Minimum coverage is often obtained either through a high deductible or a capped coverage amount (the dollar figure the insurance provider will pay out for a given claim total). While it may mean the basic legal requirement of car insurance is met, that doesn’t mean it’s enough for an accident. According to Connect America Insurance Agency, bargain hunters often find low coverage plans appealing but then are surprised when an accident occurs, leaving them directly holding the bag for damages the plan will not cover after a certain amount. And the law makes the party responsible accountable financially, whether he or she has an insurance plan or not. By simply choosing a plan with a bit of higher coverage, many of these shortage surprises can be avoided entirely as the claims then fall within the full amount of a coverage allowed. That’s a huge difference from being stuck with the remainder of a bill and no way to pay it. For those in such situations, bankruptcy and losing everything ends up being the only alternative.

Those in the Jacksonville, FL area don’t need to resort to such drastic decisions. Instead, by working with the expert staff at Connect America Insurance Agency consumers can get access to plans that are both robust and affordable for their budget situations. Don’t take chances with insufficient coverage. Get proper insurance protection and avoid setting yourself up for a future financial mess in litigation and collection.

Why Minimum Coverage Isn’t the Best Decision for Car Insurance

It can seem appealing to go with the lowest cost car insurance in Jacksonville, FL in the form of minimum coverage. However, what is saved on a slightly lowered monthly premium charge can end up being paid 10 times as much out of pocket when an accident occurs. Minimum coverage is often obtained either through a high deductible or a capped coverage amount (the dollar figure the insurance provider will pay out for a given claim total). While it may mean the basic legal requirement of car insurance is met, that doesn’t mean it’s enough for an accident. According to Connect America Insurance Agency, bargain hunters often find low coverage plans appealing but then are surprised when an accident occurs, leaving them directly holding the bag for damages the plan will not cover after a certain amount. And the law makes the party responsible accountable financially, whether he or she has an insurance plan or not. By simply choosing a plan with a bit of higher coverage, many of these shortage surprises can be avoided entirely as the claims then fall within the full amount of a coverage allowed. That’s a huge difference from being stuck with the remainder of a bill and no way to pay it. For those in such situations, bankruptcy and losing everything ends up being the only alternative.

Those in the Jacksonville, FL area don’t need to resort to such drastic decisions. Instead, by working with the expert staff at Connect America Insurance Agency consumers can get access to plans that are both robust and affordable for their budget situations. Don’t take chances with insufficient coverage. Get proper insurance protection and avoid setting yourself up for a future financial mess in litigation and collection.

Why Minimum Coverage Isn’t the Best Decision for Car Insurance

It can seem appealing to go with the lowest cost car insurance in Jacksonville, FL in the form of minimum coverage. However, what is saved on a slightly lowered monthly premium charge can end up being paid 10 times as much out of pocket when an accident occurs. Minimum coverage is often obtained either through a high deductible or a capped coverage amount (the dollar figure the insurance provider will pay out for a given claim total). While it may mean the basic legal requirement of car insurance is met, that doesn’t mean it’s enough for an accident. According to Connect America Insurance Agency, bargain hunters often find low coverage plans appealing but then are surprised when an accident occurs, leaving them directly holding the bag for damages the plan will not cover after a certain amount. And the law makes the party responsible accountable financially, whether he or she has an insurance plan or not. By simply choosing a plan with a bit of higher coverage, many of these shortage surprises can be avoided entirely as the claims then fall within the full amount of a coverage allowed. That’s a huge difference from being stuck with the remainder of a bill and no way to pay it. For those in such situations, bankruptcy and losing everything ends up being the only alternative.

Those in the Jacksonville, FL area don’t need to resort to such drastic decisions. Instead, by working with the expert staff at Connect America Insurance Agency consumers can get access to plans that are both robust and affordable for their budget situations. Don’t take chances with insufficient coverage. Get proper insurance protection and avoid setting yourself up for a future financial mess in litigation and collection.

Will Your Insurance Repair or Replace Your Vehicle in Florida?

Many people in Jacksonville, FL assume their insurance will repair or even replace their vehicles. Its true insurance can pay for repairs, and in cases of a total loss, it can replace a vehicle. However, this doesn’t occur simply because you have insurance. It requires specific packages and coverage. Connect America Insurance Company has the options you might need. Here’s what you need to know.

Paying for Repairs with Collision and Comprehensive Coverage

In Florida, as with most other places, auto insurance will pay for repairs after a collision, up to the policy limits and after the deductible. This comes from the collision and comprehensive coverage, which is often additional coverage on top of the required liability coverage.

Collision – Covers repairs if your car collides with another object.

Comprehensive – Covers repairs if an object or event damages your car.

Anything beyond your policy limits will have to come out of your pocket. That’s why it’s important to have adequate coverage.

For mechanical repairs or repairs needed for wear and tear, insurance won’t typically pay for the damage. It’s possible to obtain insurance specifically for mechanical repairs. If an accident causes damage that necessitates engine or mechanical repairs, then your collision or comprehensive policy may cover it.

Replacing a Vehicle Due to Damage and Inoperability (Total Loss)

If an accident damages your car beyond repair, only collision or comprehensive coverage in Jacksonville, FL can help you to replace it. When the repair costs exceed the value of the vehicle, it’s a total loss.

Different insurance companies have their own ways of dealing with a total loss. If your policy limits can’t cover a full replacement, the insurance company can offer you a settlement. You can use the funds to help you purchase another vehicle.

There’s more to repair and replacement, but it will all depend on your policy and coverage options. At the Connect America Insurance Agency, we offer a number of coverage options and will help you figure out which ones will work best for you. If you want to know more about how comprehensive and collision coverage works, contact us for more information.

How to Remove a Car from An Auto Policy

There comes a time in every car insurance policy holder’s life when you want to remove a car from your policy. There are ways that this can be done that are simple if you just know where to start. If you are having trouble with the process and live in the Jacksonville, FL area, the agents with Connect America Insurance Agency can help.

The first step is that you have to show that the car is not going to be on your policy any longer. You may need to prove that the car is either no longer being driven at all or at the very least, not being driven by you. In some cases, it may be necessary that you prove the car is no longer being licensed so there is no chance it is going to be driven.

The next step is to identify which car is being removed. You want to make sure you have the correct vin number and the correct information so that the car you want removed, is the one that is taken off the policy. With the help of an agent the process should only take a few moments. You can remove cars from auto policies yourself but this may cause a bit of trouble as you do need to know what you are doing.

If you are selling the car you may need proof of a transfer of title. For those that are transferring a car to another policy, if you still owe money on the car you will need to send the new proof of insurance to your lender and to anyone that may have a vested interest in the car. If you live in the Jacksonville, FL area, the agents with Connect America Insurance Agency can help you.

Vehicle Prep: Key to a Safe Road Trip

The success of your vacation family road trip lies in putting the safety of your family first. Preparing your vehicle in advance can help you have a safe and positive road trip experience. Vehicle prep can entail the following:  

Vehicle Inspection

Have your car inspected by a certified mechanic to make sure all systems are working properly before taking off on the road. If your car needs a tune-up, oil change, new brake pads or other essential repairs, get them done in advance of your travels. Before going anywhere, get a clear “thumbs up” from your mechanic to show your vehicle is road ready.     

Safety Features

If you’re traveling with young children, check your kids’ car seats to ensure they’re installed properly and functioning as they should. Safe car seats and working seat belts are a must when traveling with children. Additional safety features such as airbags and child safety locks will further protect your kids on the road.      

Insurance Coverage

Review your auto insurance coverage from Connect America Insurance Agency to make sure it’s up to date. Keep in mind that roadside assist coverage could come in handy for unexpected breakdowns during your travels. Whether you’re staying around Jacksonville, FL or driving out of state, you can travel worry free knowing you have adequate car insurance coverage.

Emergency Kit

Pack an emergency travel kit to help with crisis situations that may arise on the road. Your kit should contain such essentials as water, jumper cables, flashlight, flares, car tools to make simple repairs and first aid kit. Make sure you also have a working cell phone with a charger to stay connected with loved ones during your travels.

In the event of an accident, contact your Connect America Insurance Agency rep in Jacksonville, FL to help with any insurance needs.      

So…Should You Let the Babysitter Drive Your Car?

Busy parents need help.  Their "to do list" is always a few pages long and getting out of the house – alone – can be challenging. That’s where the babysitter up the road comes in handy.  She’s reliable, the kids love her, and she cleans up after herself!  She’s been such a help that you’re thinking about adding more responsibility to her job. She can do the food shopping, run errands, or just get the kids out of the house for a few hours.  But she’ll need to use your car.  Sound like a good idea? Before your hand over the keys to your car, there are a couple of things to consider.  

Get More Information

Before you loan out your car to the babysitter, you’ll need to get more information.  Since it is your car, in your name, you hold liability.  No matter who gets behind the wheel of your car, your insurance policy is the primary coverage. That means you must be certain the babysitter is covered before she drives your car in Jacksonville, FL.  

Review Your Auto Policy

Take a few minutes to read over your auto policy, paying particular attention to exclusions or restrictions.  The babysitter would be considered a "permissive driver" in most instances, so look for any information on whether permissive drivers are covered.  If you’re still not sure, call your insurance agent, and they will be happy to assist you.  However, if you plan on lending her the car regularly, you may want to talk with your insurance agency about adding her as a listed driver.  

At Connect America Insurance Agency serving Jacksonville, FL, we can help you find the right auto insurance policy for your vehicle, and we would always are happy to answer all your questions about extending coverage.  Feel free to call Connect America Insurance Agency today to speak with a friendly agent.  

 

 

 

 

Am I Allowed to Have Auto Insurance While My License Is Suspended?

There’s not a straightforward yes or no answer to the question of whether you’re allowed to keep your auto insurance while you have a suspended license. The answer depends on where you live and your insurance provider. Connect America Insurance Agency serves the Jacksonville, FL area, and can provide you with specific information regarding your situation, as everyone’s circumstances are different. However, it’s possible to get a general idea of what’s likely to happen to your insurance coverage if your license is suspended.

If your license is suspended while you still have an active insurance policy, you’re not likely to lose your insurance. Certain states, however, allow midterm cancellation when your license is revoked or suspended. Although, in most states, your coverage remains in place for as long as you signed up for, and if you try to renew your policy while your license is still suspended, you may run into some trouble. If you’re a brand-new customer, your insurance company will probably conduct a background check at some point at the beginning of your policy, and if the company notices that your license is suspended, your policy may be canceled because you’ll be deemed a high-risk customer.

Even though you may still have coverage while your license is suspended, it’s very important to avoid driving until your license is reinstated. If you get pulled over with a suspended license, you’ll face a heavy fine, possible jail time, and your insurance provider will almost certainly drop you. You may be wondering why it would be desired to keep your coverage if you’re not going to drive. If there are other drivers in your house, it’s very important to keep your insurance coverage, as you don’t want the other drivers in your household to be at risk while driving your car because your coverage lapsed. Maintaining auto insurance while your license is suspended is a complicated topic, and if you live around the Jacksonville, FL area, you may be interested in contacting Connect America Insurance Agency for more in-depth, personalized information.

How humidity can affect your car in Jacksonville

In Jacksonville, FL, the temperature just seems to cling to you, right? The moisture in the air means that a hot day feels incredibly hot, and a colder day feels freezing. When the icy moisture particles cling to your skin, fifty five degrees can feel like fifty five below zero. Your car experiences the same sort of thing. The heat isn’t very good for your car, and the humidity only makes it worse.

Here are a few ways to protect your car from the extreme heat and humidity of Jacksonville, FL:

  • Keep your car battery clean. All that crust that builds up on top is corrosive, and owes in part to the heat and humidity. Make sure to detach the cables and clean it with the proper tools.
  • Park in the shade. The sunlight can do a lot of damage even on colder days.
  • Make sure your tires have the right pressure. The heat can cause the air in the tires to expand, leading to a blowout or, at the least, cracked rubber.
  • Change your oil whenever your owner’s manual tells you you should. The excessive heat of Jacksonville does a number on your oil.
  • Flush your antifreeze now and then. The heat can cause it to become highly acidic and do a lot of harm to your system.

Connect America Insurance Agency can help you to connect with a great policy to keep your car covered, but making a claim through Connect America Insurance Agency is the pound of cure people talk about. Proper maintenance is the ounce of prevention. Take care of your car and it will take care of you.