Posts made in January 2021

hurricane off the coast of Florida

Take Steps to Protect Your Vehicle from Hurricane Damage

Hurricanes don’t differentiate; they are indiscriminately destructive. All you can do is be prepared by taking steps to protect your belongings well before one is forecast.

We’re going to look at how you can protect your car with auto insurance in Maitland, FL, and by following a few simple tips. Insurance is our specialty at Mike Elliott Insurance Agency, Inc., and we’ll focus on protection in addition to auto insurance coverage.

Something you may not have considered is taking pictures of your car’s interior and exterior before any storm, so you have a record of its condition.

Make sure you have all your automobile documents and important papers in a safe place. Keep them sealed in a baggie in your car. It’s a good idea to have copies in your home as well.

Fill your fuel tank before the storm comes. That way, you’ll be able to travel and seek help if necessary after the hurricane. You can never be sure gas stations will have power in the aftermath of a storm.

Find a secure parking spot inside a garage, if possible. If not, look for a sheltered area that won’t be flooded or exposed to high winds.

Once the storm passes, recheck your vehicle to make sure it’s safe to drive. If there’s damage, take more photos so you can use them for auto insurance claims and repairs.

man driving a car

Why Car Insurance in Florida Is Expensive

There are a lot of vehicles on the road in Florida, and some would say there are a lot of bad drivers too. We’re not here to discuss the quality of motorists in our fair state, but we are here to discuss why car insurance in Maitland, FL, and across the region is so expensive. We know the reasons at Mike Elliott Insurance Agency, Inc., and we’ll list them here.

One main factor is we have mandatory Personal Injury Protection (PIP) insurance, making it illegal for motorists to drive without it. Having PIP on top of regular car insurance increases costs.

All you need to do is look around the roads, and you can easily picture another reason – car accidents. There are plenty of them, so risks are higher and insurance rates are increased as well.

Having the third-largest state population in the US equals many drivers packed into cities and towns. That leads to people in certain densely populated areas paying higher rates.

We have low required coverage. Although you would think this means lower rates, if you are looking for more protection than the bare minimum, you will pay a lot more.

And finally, there are a lot of lawsuits resulting from collisions. Those suits lead to increased costs for insurers and drivers across the state.