Flood Insurance Facts

By Catherine Powell

Image courtesy of flickr

Having narrowly dodged the bullet that wreaked a swath of destruction from the Florida Panhandle to South Carolina when Hurricane Michael past nearby a few weeks ago, I just wanted to point out that Hurricane season isn’t over until November 30.  While all of us in north Florida breathed a silent sigh of relief after the third most destructive hurricane in US history went around us, I thought I’d take the time to devote this week’s blog to discussing flood insurance facts.

The ABC’s of PIP Insurance

By Catherine Powell

Image courtesy of wikimedia

For the uninitiated, PIP stands for personal injury protection.  In Florida PIP pays for 80% of your medical bills and 60% of your lost wages caused by an auto accident, up to a maximum of $10,000.  As such, it’s one of the few provisions of your auto insurance policy that’s paid regardless of who is at fault or whether you are on foot or riding a bicycle.  This means if you carry auto insurance in Florida and are involved in an auto accident in any way, shape or form, you could be eligible to receive benefits.  That’s the good news. 

How Liable are You to Need Liability Insurance?

By Catherine Powell

Image courtesy of Picserver

When business owners ask me how much liability insurance they need to carry, I answer their question with several of my own.  That’s because there are several different insurance products lumped under the liability insurance banner.  Depending on the type of business you own, you could require more than one type of liability insurance.

How Would You Rate Your Driving Habits?

By Catherine Powell

Image courtesy of wikimedia

When it comes to how well a person drives, most insurance agents look at a person’s driving record.  How many tickets do they have and when was the last time they filed a claim?  Have they ever had a DUI? While this is one way to sort out the bad drivers, the bottom line is that nearly every driver in the US could use a refresher course.  Face it, we’ve all faced situations on the road where a driver in the passing lane chose to lollygag along to prevent others from passing.  We’ve also faced drivers who followed too close behind us when there was plenty of room to pass. How many times have we all seen someone texting while barreling along the highway?  To help you determine how highly honed your driving habits happen to be, I thought I’d take the time to give you a little food for thought.