Florida is the riskiest state to get into a car accident
That's the results of a Wallet Hub study, which ranked states on how safe they are for drivers' wallets.
The study looked at state insurance policies, how much liability insurance drivers must have, whether personal injury protection is required and whether they protect against uninsured drivers.
Florida came in dead last for those rankings. It only requires $10,000 for minimum bodily injury coverage per person, $20,000 for bodily injury coverage per accident and $10,000 for property damage coverage per accident.
Florida does have personal injury protection, but does not require medical payments coverage or uninsured motorist coverage for bodily injuries or personal damage. And 23.8 percent of Floridian drivers are uninsured, according to the study.
Up north, the news is better for drivers. Maine, North Dakota and New York have the best protection for drivers. Maryland and New Hampshire tied for fourth.
California, Mississippi, New Mexico and Oklahoma round out the bottom of the list with Florida. Oklahoma has the most uninsured drivers at more than 25 percent.
See story in the Jacksonville Business Journal
Okay, Floridians if you are under insured or not sure if you have the proper coverage, it may be time for an insurance checkup.
Remember, you deserve more than 15 minutes or less! At least we think so.
EMERGE INSURANCE AGENCY
With the start of the New Year many have begun undertaking New Year’s resolutions. Usually these resolutions are to get in shape, or to budget more effectively, however there is one resolution that many overlook and can help you in many areas; getting organized. If you’re looking for tips to stay organized this year keep these in mind.
Start with your medicine cabinet. Start with something small that you can accomplish quickly to get you started. Clean the shelves and consult the U.S. Food and Drug Administration for disposal of unused or expired medication. If you can’t recall when you last replaced your toothbrush toss it, you should replace your toothbrush every three to four months.
Create a filling system to help you stay on top of your bills, or any other notices. You should purchase a slot organizer for your desk and label each slot. This method will help reduce any duplicate copies of documents you may have. Also use separate folders to store receipts and proof of payment.
One major thing to do is to clean out that junk drawer. Nearly all of us seem to have that one drawer that seems to accumulate an assortment of pens, take out menus, and expired coupons. Generally these drawers are located in a central area of your home. To start getting it organized take everything out of the drawer, discard anything broken or dirty. Now use open drawer containers to place pens and pencils, and use larger containers for other items.
Christmas time has come and gone. You got a chance to see those relatives and tell them how much their kids have grown since the last time you saw them. You got a chance to eat too much, and are probably in the process of undertaking those resolutions you set for yourself. With the beginning of this New Year there are a few things you should re-evaluate, one of those things being your auto policy.
Many people have resolved to save in the New Year, but many don’t look at auto coverage as something they can save money on. The most simple way to begin saving on auto insurance is to check rates in your area. An independent insurance agent makes this very easy. Independent insurance agents are able to provide a variety of insurance products, from an assortment of insurance providers letting them find the best prices in your area.
Another way to save is to install a millage tracker. If you have a car that was made after 1996 you have a diagnostic port where these devices plug into. Low millage drivers may be able to get discounts on their policy. Two well known tracking devices are IntelliDrive and Snapshot, but there are many on the market depending on your insurer.
Choosing an independent insurance agent can save you money in the New Year. As an independent insurance agency Emerge Insurance is able to help you find the best policy for you. Give us a call and start saving money in 2015.
Cecil B. Williams
EMERGE INSURANCE AGENCY
Cecil Williams -