work injury claim form

Types of Work Injuries Not Covered by Workers’ Compensation

Accidents can happen even in the safest workplaces. Many people think any injury that occurs on the job qualifies them for workers’ compensation. However, the truth is that not all injuries that happen in a business qualify for damages. The insurance industry even classifies the types of on-the-job injuries for which they will not pay. It benefits you to learn the parameters of filing for workers’ compensation in Maitland, FL.

It Doesn’t Always Pay to Be Injured on the Job

Legal officials say a person’s injury qualifies for workers’ compensation if it happens while performing their duties. Preexisting conditions, such as arthritis that flares up while you are working, do not allow you to receive payment. Injuries that fall under the personal risk doctrine, including things employees do to themselves that become symptomatic at work, do not qualify for a workers’ compensation claim.

Let’s Be Reasonable

Acts considered deviations from employment are exempt from compensation. The types of incidences that fall under the deviation rule include performing an assigned task in a way that causes your injuries. If you do the job in a manner that most people would consider dangerous, chances are your employer’s insurance will not pay for your medical care.


smiling man driving

How a Diminishing Deductible Helps Safe Drivers Save Money on Car Insurance

Automobile insurance is one of the many expenses that come with owning a vehicle. It is better if you have coverage to help defray the cost of car repairs or liability if you have an accident. Chances are you want to save money on insurance, but the deductible amount you pay depends on the policy from your carrier. Some companies offer diminishing deductible options for auto insurance in Maitland, FL.

What Is a Diminishing Deductible?

Whether the deductible is $250 or $500, your insurance company requires you to pay it before they pay for bodywork or other costs. Carriers offer good drivers savings on their coverage with a diminishing deductible. How it works is that your deductible decreases every year you do not file a claim. Additionally, you will pay less for vehicle repairs if you have to file a claim.

You Deserve a Break for Driving Safely
Vehicle accidents happen due to negligent motorists, bad weather, and more. However, some insurance carriers believe that careful drivers deserve a reward for their diligence. In response, insurance companies offer diminishing deductibles as a way to help you save on the coverage you need to drive lawfully.

woman talking with insurance company on a cellphone

Making a Claim on Someone Else’s Auto Insurance

The aftermath of an auto accident is always stressful, but the good news is that making a claim on someone else’s insurance doesn’t have to be complicated. Here’s how to file a third-party claim on auto insurance in Maitland, FL. For further advice, contact our company and speak with our insurance specialists.

Gather Information at the Scene

Once you’re in a safe situation, have contacted the police, and received emergency medical attention as needed, gather as much information as you can about the accident. You’ll need to get the name, address, auto insurance policy numbers, and phone numbers of all involved parties. Document as much of the accident as possible through photos, but don’t put yourself at risk just to get a shot. It’s also a good idea to write down a record of the accident, including the sequence of events, weather conditions, traffic conditions, and so on.

Contact Your Insurance Company

It might seem counterintuitive to contact your auto insurance company rather than the other driver’s. However, part of your insurer’s service is to handle claims on your behalf. Depending on the circumstances, they may instruct you to file a third-party claim on your own, but the first step should always be getting in touch with your providers and following their recommendations for the next steps.

woman working from home

Workers’ Compensation and Remote Employees: How Does it Work?

Employers and employees both have a lot of questions about how out-of-office injury claims work for telecommuters. To get the complete details on remote workers’ compensation in Maitland, FL, you should talk to an expert. However, the following are the basic facts everyone should know.

Workers’ Comp is Required for Remote Employees

Telecommuters are counted just like regular employees, so if coverage is required for your company’s team it also applies to your remote employees.

Employees Can File Claims for Injuries at Home

Workers’ compensation covers medical bills, lost wages, and disability benefits for illnesses and injuries that arise out of and in the course of employment. Therefore, if an employee is hurt at home while doing work-related activities during work hours, they can file a claim. Every claim will be assessed on a case-by-case basis.

It Isn’t Black and White

As you can likely imagine, there is a lot of gray area for work-from-home compensation claims. Just because an employee is on the clock doesn’t necessarily mean their injury is work-related, and legal interpretations differ for every situation. For example, if a remote employee trips over their computer cord and breaks their wrist, is the employer at fault? Make sure you understand your workers’ compensation regulations but be prepared to hear “It depends” for questions like these.

man thinking

Different Insurance Services that Everyone Should Consider

For most young adults, insurance is probably not at the top of their list, even though it should be. Sure, it’s not the most exciting aspect of being an adult, but it’s important to ensure you’re covered on some of the most important aspects of your life. That’s why the next step after you strike out on your own, or maybe have saved enough money, is to find the best insurance services in Maitland, FL.

Life Insurance

Life insurance covers things such as funeral costs after your passing. It’s even more important if your family is dependent on your income. You’ll be able to ensure all funeral expenses are taken care of so they can focus on other things. There are two types of life insurance you can choose from, either traditional whole life or term life.

Health Insurance

You want to avoid paying out of pocket for your health needs as much as possible. Statistically, most families are one serious illness away from a serious financial crisis. If you can’t get coverage through an employer, find a trade organization or associations about potential group health coverage.

Long-Term Disability

We don’t normally consider long-term disability insurance; however, one in four workers will become disabled and unable to work before retirement. While health insurance covers medical bills, this will help you cover expenses usually covered by a paycheck.

Auto Insurance

Lastly, making sure you have auto insurance could save you a lot of headaches in the event of an accident. It can cover the cost of repairing or replacing your car depending on if you’re at fault or not and depending on the insurer.   It can also help guard you against litigation should there be cause for legal action.

Contact Mike Elliott Insurance Agency, Inc. to learn more about their insurance services and how it can cover you on all these bases.

college student leaning out of a car window

What to Consider When Buying Auto Insurance as a College Student

Going off to school is a brand new chapter in your life that comes with many exciting new things, but also some more daunting and dull responsibilities.  Many college students will own a car by the time they’re tracking off to school, but that means investing your vehicle needs to be insured. Navigating your way through the jargon and the process itself is confusing, especially for first-time applicants. That’s why we’re here to give you some things to consider when purchasing auto insurance in Maitland, FL.

Right off the bat, you should know that most college-aged students (anywhere between the ages of 18 to 25) are more expensive to insure. Statistics show that drivers in that age range are riskier drivers. Auto insurance companies take into account your age and where your living as features to determine a good price for your plan. If you’re looking for the best way to save money, an option you can consider is staying on your parent’s insurance policy.

Staying on Your Parents Insurance to Save a Buck

Besides staying on your parents auto insurance policy being cheaper, you’ll find that it can also help you with:

  • Lack of a Credit Score
  • Convenience
  • Qualifying for Discounts
  • You May Be Protected Outside of Driving

Contact Mike Elliot Insurance Agency, Inc. to learn more about the best auto insurance plan for you.

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.

young couple speaking with insurance agent

The Benefits of Bundling Insurance Services in Maitland, FL

Many people and companies have multiple insurance needs. Paying for each individual piece of coverage can end up becoming a little bit costly. The solution to getting the coverage you want at a price you can better afford is to ask your agency about bundling their insurance services in Maitland, FL.

Most insurance agencies are able to bundle multiple types of insurance policies together from the same provider. This not only makes it easier to keep all of your policies in one place, but can also help you reduce your overall costs on your car, home, life, boat, motorcycle, recreational toy, and any other coverage you may require.

When it comes to the different types of bundling options available to you, it is essential to reach out to your agent. They will help you better understand all of the different products available to you as well as how they can be bundled with other options that best fit your current and future needs. Some of the most common combinations you will find that can end up delivering decent discounts include:

  • Auto & Home Insurance Bundling
  • Auto & Renters Insurance Bundling
  • Auto & Life Insurance Bundling
  • Motorcycle & Home Insurance Bundling
  • Home & Umbrella Insurance Bundling
contractor inside partially built house

What is Artisan Insurance in Maitland, FL?

There are many different types of commercial insurance out there, but that doesn’t mean that one size fits all. So how do you know what kind of coverage is right for you? Well, if you are a carpenter, plumber, electrician, mason, or any other type of skilled artisan contractor, then you are probably going to want to sign up for artisan insurance in Maitland, FL.

Similar to contractor’s insurance, artisan’s insurance is strict liability insurance that helps cover any mistakes made by you or damages done because of craftsmanship errors. It does not cover your business office, supplies, or work vehicles. Still, even the most skilled artisan contractors know that mistakes can happen, and without the right coverage, these errors can end up sinking your business and your livelihood.

With artisan insurance, you are able to protect yourself from financial ruin due to errors or accidents that might occur while you are doing your job. Even if you are working as a subcontractor on a bigger project, one mistake can end up making all of the artisans in the building liable. So this type of insurance coverage doesn’t just protect you from mistakes you might make, but also mistakes that other artisans can render you liable for as well.