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Personal Auto

Florida Personal Injury Protection Law

A bill (HB 119) designed to reduce the fraud in the state’s personal injury protection insurance was passed Friday in the Florida House of Representatives. PIP fraud results in higher costs to customers through increased premiums. In some places, that translates into hundreds of extra dollars per year. Lawmakers passed PIP coverage in 1972 to ensure that anyone hurt in an automobile wreck could get medical treatment. The legislation mandated that a driver’s insurance company pay up to $10,000 to cover medical bills and lost wages after an accident  regardless of fault. All Florida drivers are required to carry no… Read More »Florida Personal Injury Protection Law

Paperless Insurance Now Offers Coverage in New York

SAN FRANCISCO-based independent insurance brokerage Paperless Insurance Services (PIS INC), Inc. has started offering business insurance products in the State of New York, PIS INC announced Thursday. PIS INC will be using their website as the marketing and underwriting base in the State if New York CFO Diana Motseniat said in her announcement. Paperless Insurance also announced that it is in the process of starting operations in the State of Texas. “Starting operations in New York is vital to the continued expansion of our U.S. platform to complement our strong position and build a truly unified small business insurance platform,”… Read More »Paperless Insurance Now Offers Coverage in New York

Fire Safety Checklist

This inspection sheet should be completed at home by the entire family.  Inspect each area of your home to make sure no fire hazards exist. We have ___ smoke alarms in our home. The last time we replaced the battery in our smoke alarm was __/__/__.  It must be replaced once a year. We test our smoke alarms monthly. We never use the batteries in the smoke alarms for toys or anything else. We have a home escape plan. Our plan includes two ways out of every room. Our family has a special place to meet outside if there is… Read More »Fire Safety Checklist

Halloween Safe-Driving Tips

According to Safe Kids USA, children are twice as likely to be killed by a vehicle on Halloween compared to other days of the year. Take extra caution behind the wheel on Halloween and use the following driving tips to keep trick-or-treaters safe. – Yield to Trick-or-Treaters: Be prepared for children to run into the street at anytime. – Refrain From Passing Idle Vehicles: You never know when the driver in front of you has stopped to drop children off. Be patient and take extra caution when traveling near other vehicles. – Park Your Mobile Phone: With children crowding the… Read More »Halloween Safe-Driving Tips

Top Five Mistakes Drivers Make

For many drivers, getting behind the wheel is second nature, so it’s easy to make errors without realizing it. However, these errors can lead to serious accidents. Keep yourself and others safe on the road by avoiding these mistakes: 1. Tailgating Leave a three-second cushion between you and the vehicle in front of you. Leave even more time when road conditions are bad or when you’re travelling at higher speeds. 2. Stopping Instead of Yielding Accidents can happen when drivers stop at a yield sign. “Yield” simply means to slow down and let the traffic on the road you are… Read More »Top Five Mistakes Drivers Make

Hands-On: Top 10 Excuses From Drivers Caught Using Phones

1. This is a bogus law. 2. It was my boss on the phone – I had to answer it. 3. I wasn’t using it – I just like to hold it. 4. Sorry officer, I didn’t see you trying to pull me over because I was on my phone. 5. But it was an emergency call to my wedding planner. 6. My Bluetooth died. 7. Driver: I’m using my speakerphone. Police officer: No, you’re holding your phone in one hand and steering with the other. 8. I’m not driving; I was stopped at a red light. 9. I wasn’t… Read More »Hands-On: Top 10 Excuses From Drivers Caught Using Phones

What to do After Car Accident

Five Steps to Take After an Accident If you’re ever in an accident, it’s easy to forget what to do right away. Follow these five steps to ensure the safety of you, your passengers and everyone else involved: 1. Call the Police. Even for small accidents, call 911. Police will help redirect traffic and document the incident. 2. Avoid Additional Damage. Move your car from the roadway as soon as possible to prevent additional collisions. 3. Get the Right Information for the Insurance Process. You’ll need the other driver’s name, license, phone number, insurance information and license plate number. 4. Document the Accident. From… Read More »What to do After Car Accident

Tips for Driving Safely With Children

– Young Children When children have outgrown a convertible safety seat, they should use a booster seat until they are 10 years old. Even when young children are tall enough to use an adult seat belt, they should ride in the backseat until they are 13 years old. – Toddlers Keep toddlers in a rear-facing, convertible safety seat for as long as possible. When the child outgrows the safety seat, toddlers should sit in a forward-facing safety seat complete with a full harness. – Infants Always drive with infants in a rear-facing safety seat. Once a child exceeds the manufacturer’s… Read More »Tips for Driving Safely With Children

Renew Licenses Online in MI

A new state policy will let Michigan drivers renew their vehicle registrations online through their birthdays even if they do it close to the expiration. Now, motorists who renew online will be able to print off a temporary registration document until their new tabs and registrations arrive in the mail. You can get more information on Michigan DMV website