How to Buy Auto Insurance
Buying automobile or motorcycle insurance can be complicated because of the options available to add to the basic policy. The bottom line is that it is important to have an understanding of the coverage you have and that the other party has who may be at fault in causing your or your loved ones injuries.Plant City Insurance Claim Lawyer
Our Plant City personal injury law firm is a civil trial law firm aggressively pursuing the recovery of damages against insurance companies for failure to pay legitimate claims. Our goal is to win your case so that you to receive the compensation that you deserve and your insurance policy provides for. The knowledgeable and aggressive attorneys at Byrd & Barnhill are experienced at obtaining compensation for the failure of insurance companies to pay claims. Our skilled lawyers handle all kinds of claims against insurance companies. Give us a call today at (813) 759-1224.Plant City Insurance Claim Attorney
During your free initial consultation, you will meet personally with a lawyer to discuss how we can recover the compensation you are due from your insurance company. All insurance claim cases are handled on a contingency fee basis, where you pay no lawyer fees or court costs unless there is a settlement in the case. If you are looking for an insurance claim attorney who will aggressively fight for you and your family, search no further. Contact Byrd and Barnhill, P.L. attorneys at law for a FREE consultation about your claim. Call us today at (813) 759-1224.
How to Buy Auto Insurance
THE FLORIDA BAR recommends that you do the following when buying auto insurance:1. Request a quote from several licensed insurance agents. Be sure to ask for the same coverage from each so your comparisons will be accurate. A quote is an estimate of your premium -- it is not a firm price or a contract. It is against the law for an agent to intentionally quote you a low premium just to get your business.
2. Be sure the information on your application is accurate. False or inaccurate information could cause the company to cancel your policy or refuse to pay a claim. Always get a copy of the signed application form.
3. Be sure to get a binder from the agent once you sign the application. The binder is proof of your coverage until you receive your policy. It should show the name of the agent and insurance company, list your cars and the coverage you purchased, and be signed by the agent.
4. Always pay by check or money order made payable to the insurance company -- never to the agent or the agency.
5. You should receive your policy no later than 60 days after the effective date. If you do not, contact your agent immediately.
6. Immediately report any changes affecting your policy to your agent. This would include address or name changes, the addition of a new driver or car, or any change in the use of your car.
7. Keep track of your policy renewal date. Policies are usually for a term of 6 or 12 months. Most companies will send you a bill at least 45 days in advance of your renewal and premium due date.
Property Damage Liability insurance is not required for motorcycle operators unless a driver is required to prove "financial responsibility" due to traffic violations or failure to pay for damages they caused in an accident. Neither PIP nor Medical Payments Insurance is required for a motorcyclist. Indeed, PIP is usually not sold to motorcyclists. However, in order to operate or ride on a motorcycle without headgear, you must have an insurance policy providing at least $10,000 in medical benefits for injuries incurred as a result of a crash.
If your son or daughter is a legal resident of Florida, attends college in another state and uses a car registered in Florida, you must have PIP and property damage liability coverage on the car.
Also, the state where they attend school may have other car insurance requirements.
Any person who has a car in Florida for more than 90 days during a 365-day period must purchase PIP and property damage liability insurance. The 90 days do not have to be consecutive.
If you have recently moved to Florida, it's best to immediately find an insurance agent who will assist you with auto insurance information. Check with your local Department of Highway Safety and Motor Vehicles Office for information on driver licensing and auto registration procedures.
Whether a service warranty is worth the money will depend on how the warranty suits your needs.
Auto service warranties are good only for a specified length of time and only ensure the repair or replacement of items defined in the contract. Service warranties are contracts that are regulated by the Insurance Department.
Finally remember these consumer tips:
1. Read your policy. . . Be sure to read and understand your policy. If you have any questions, call your agent or the Department of Insurance toll-free at 1-800-342-2762.
2. The choice of insurance company and agent is yours... You do not have to buy auto insurance from the dealer who sold you the car or the lending institution financing your car.
3. If you already have a policy . . . You can add a new or additional car to your existing policy.
For more information, call the Florida Bar or call Byrd & Barnhill for a FREE consultation about your auto insurance question or claim.
Conveniently located just two blocks from the Plant City Courthouse
Byrd & Barnhill, P.L., 206 North Collins Street, Plant City, Florida 33563
Telephone (813) 759-1224 Fax (813) 759-1101
Email: johnnie@byrd-law.com
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