Being a safe driver is its own benefit. You reduce the chances of accidents, you don’t get speeding tickets, and you don’t anger other drivers by failing to use your turn signal. Seriously, don’t consider yourself a safe driver if you don’t use the turn signal. It is so good that you are a safe driver that you should be rewarded for it. Wouldn’t that be nice? While with safe driver benefits, you get exactly that. There are many policies that have different forms of benefits for safe driving. Safe driving being considered going a certain length of time without a claim or accident. So how do you sign up to receive these benefits?
We don’t like to think about that unexpected end. While it might be a fact of life, it is a fact we would much rather ignore and just enjoy the precious time that we have now. That doesn’t mean we can just completely overlook the fact that it could happen at any time. It also doesn’t mean we have to live in fear of it, just that it’s good to be prepared. There are some simple things you can do that will prepare you and your family for the unexpected without having to keep it constantly on your mind. The most popular and the most effective of these is by getting life insurance. Life Insurance pays a certain amount to your family, spouse, or another designated party when you pass away. There are two basic versions of life insurance, so let’s take a quick look at both of them.
In some ways owning a boat is the ultimate freedom. You can leave your burdens upon the shore and set off to the open waters. Rather they are the open sea, a large lake, or just a shallow canal, you are free of the land and making your own path. At least until you accidentally scrape up against something and damage your boat. Now you are stuck on shore while you’re boat has to get prepared. Not to worry though, you have boat insurance! Boat insurance works pretty much the way auto insurance does. If you get in an accident with your boat, your boat insurance covers the damage up to a certain point. That point depends on what policy you own. Regardless, boat insurance is an important part of any boat owners life.
One great thrill that only a few of us get to experience is driving a classic or antique vehicle. We don’t mean just an old run down sedan, rather a real classic. Maybe it’s a 69 Mustang or a 57 Mercedes. Regardless of what it is, it is a work of art and a piece of history that you need to protect. Even if it rarely ever leaves the garage, you want to know that if anything ever happens to that car that it can be fixed and replaced. Especially given how much it is worth. This isn’t just some old baseball card, it’s a fully functional beast of a machine that’s been running strong for 60 years straight. Might even be a 60-year-old beast of a machine that you brought back to life. Either way, you want to protect it and need the right insurance.
Here in Florida, we are a town that likes a nice glass of wine or a salt laced margarita. It’s just kind of a staple of life when you live near the beach. Especially when Volusia County has such lively and entertaining hot spots all along the coast. Sometimes we let the night get ahead of us and have a little too much of this good time and make the mistake of getting behind the wheel. Driving under the influence of alcohol is never a good decision, and it can have some serious ramifications. You could cause easily cause an accident by hitting someone’s property, someone’s vehicle, or even just someone. Something else you have to consider is how will your insurance company handle an accident you caused while driving intoxicated?
After the recent Hurricane Harvey in Texas, we are reminded that a hurricane is a very real threat that we must be prepared for. It is never fully known what to expect when a hurricane strikes. It could cause little to no damage to your home or it could leave it in shambles. Regardless of the results, you need to be prepared for it. There are ways to try and reduce the possible damage such as boarding up windows or installing hurricane shutters on your home. While they are great for reducing the damage done to your home, they won’t guarantee that it will stop your home from being damaged. Some categories of Hurricane, such as Category 4 and above, will almost always cause considerable damage to structures.
You have to be ready for anything. Sometimes this means taking steps to stop something from happening, and sometimes it means being prepared for the aftermath. Insurance is a great way to be prepared for the unexpected, although we don’t always know what insurance has us prepared for. For instance, did you know that flood damage is typically not covered in most of your homeowner’s insurance plans? While it might cover some form of rain damage, it won’t cover damage created by rising waters. Being in Florida and so close to the ocean, along with plenty of inner waterways, being prepared for flood damage is crucial.
Life can be expensive, so sometimes cheaper is better for us. We will hunt the aisles at the grocery store to find the best deals. Some of us will perfect our coupon game and save all kinds of money in person and online. We will go to a certain gas station because they have reward points that save us on gas, will pick up a pizza to get around the delivery charge, will hit up the thrift shops instead of the mall, and enjoy that extra money in our bank account at the end of the week because of it. These are all great ways to save money without much compromise. There are some things, however, that you shouldn’t go cheap on. Insurance falls under the list of things you don’t try to go cheap on because it can cost you dearly later on.
What kind of home insurance do you have, and is it really the right coverage that you need? Surprisingly a lot of people don’t ask this question. Instead, they tend to ask if they can afford the insurance that they have. The problem with this question is that typically they will take any insurance that they can get. Even if the coverage is next to useless for them they will accept it because it gets them by. They don’t actually realize the problem with the insurance until the unexpected happens and they need the insurance that they didn’t get, instead of having to make do with the one they settled for. This usually ends up with them having to pay out of pocket along with what they get from the insurance.
Here in Florida, it is a law that you need to have a minimum amount of insurance when you operate a motor vehicle. The minimum is $10,000 personal injury protection (PIP) and $10,000 property damage liability. Personal injury protection is the medical part of the insurance, covering any injuries sustained in an auto accident. The property damage liability is for damage to the vehicle itself. A Daytona Beach Auto Insurance provider might make it seem like $10,000 worth of anything would be more than enough. In some situations, it is more than you would ever need. In some situations, however, $10,000 is just a start. Here in America, medical costs can be through the roof for surgeries and operations. If someone’s bone is broken in an accident and surgery is required to fix it, the cost will go well over $10,000 and maybe near the $20,000 mark. This doesn’t count the other costs such as the trip to the emergency room or if needed, the ambulance ride to the hospital.