The Latest Safety Devices are Smart Options and Help with Auto Insurance Costs

The latest technology might seem like science fiction, but they are actually real products that focus on driver and passenger safety. Drivers are starting to see these features in new cars, and manufacturers are embracing these technologies to tout the latest safety innovations. Here are the latest devices that make driving safer.

Intelligent seat belts
Honda, Mazda, Infiniti, and Mercedes-Benz use smart seat belts in certain models. Belts tense up and the seat automatically adjusts should a crash occur. Ford and Lincoln use inflatable seat belts on some models, and even have them on the second row of seats. When a crash occurs, the belt inflates across the passenger’s chest to protect it from crash forces.

Lane warning systems
This type of system monitors images and lines on the road. Through camera and transponder data, the system will warn if you drift out of your lane. Some manufacturers signal thru a flashing light or an alarm.

Adaptive cruise control
This is the latest in cruise control that uses radar to monitor the distance between you and another vehicle. When a crash is about to happen, it will go into brake mode, tighten the seat belts, and release the airbags.

Adaptive head rests
These head rests will move higher and go forward to help prevent whiplash. Rear-end crashes are a common occurrence, so this will help lessen the chances of a neck injury.

Headlights
Adaptive headlights are the newest innovation. These have a greater range of motion that allows the area around a corner to be more visible. Many auto manufacturers are using this along with daytime running lights.

Other Safety Devices
From breathalyzer ignition locks to driver eye scanning for the fatigued driver, manufacturers are working on devices that alarm the driver when these concerns occur. Most drivers know that driving drunk or when tired is wrong, but will they pay attention if an alarm goes off is the bigger question.

The Enhanced Basics
Tire pressure monitoring systems help detect air loss. This prevents accidents involving a tire blowout, which can be extremely dangerous if a vehicle is going high speeds on a busy highway. Telematics such as the OnStar communication system can alert emergency personnel after an accident, and even unlock doors and track a vehicle’s location if it is stolen.

Safety features such as these can greatly reduce auto accidents and the injuries and fatalities that are a reality of our roadways. They can also help to get a driver a reduction in their auto insurance premiums. Florida auto insurance company AGIC Insurance, Inc. helps drivers to get the best Florida auto insurance quote for their budget. They will help drivers shop around for the best policy and get peace of mind that the driver and passengers will be adequately protected.

Melissa DeAngelo is with Florida auto insurance company and Florida car insurance company, AGIC. To get a quote or learn more visit www.agicinsurance.com.

Florida Drivers Can Take Steps to Prevent Injuries and Fatalities

The “Put the Brakes on Fatalities Day” is October 10. The Transportation & Development Institute of the American Society of Civil Engineers sponsors the campaign along with federal government partners and safety advocates. Florida is one of the states that have taken measures to implement new roadway safety standards. Of growing concern is the increasing senior population and their ability to drive safely on the roads. Florida’s Safe Mobility for Life program targets older driver safety.

Roadway improvements include wider pavement markings for visibility, larger street signs at high-traffic intersections, and better signage and signals at work zones and pedestrian crossings. These strategies help to lessen accidents, injuries, and roadway fatalities. The Roadway Safety Foundation has noted how adjusting the timing of signals, adding left-turn signals and lanes, and rumble strips on the shoulder also cut down crashes.

The best safety tips involve sharing the road safely with other vehicles, big rigs, bicyclists, and pedestrians. Drivers should always wear their seatbelt and avoid aggressive driving and others who are exhibiting this behavior. Cutting in front of another vehicle can cause an emergency braking situation where you can risk your life. Same goes for driving in a big rig’s blind spots – if a driver is unable to see you in the mirror, chances are that they will not have enough time to brake.

Distracted and drunk driving can equally put you at risk of an accident. Texting, talking on the phone, and getting in the driver’s seat after a few too many drinks can endanger your life and others. Pull over if you must answer a call and if you are not in the right state of mind, call a taxi or friend to pick you up and take you to your destination.

With pedestrians and bicyclists, drivers should be aware of stopping behind the white line to give enough room. Pay attention to no turning on red signals and do not try to beat a red light. Of equal importance is backing out of driveways and parking spots. Double check that no walkers or bicyclists are about to approach. Paying attention can prevent many accidents and injuries from happening.

Driving safely can also make a big impact on your Florida auto insurance. Driving infractions will cause points to be put on your driving record. Florida car insurance companies can see what violations you have had in the state and outside Florida too. This can cause your insurance premiums to go up.

Auto insurance company AGIC Insurance, Inc. assists drivers to find the best Florida auto insurance quotes. They are known for their preferred provider networks for health concerns after an accident and auto repairs that equal big savings for drivers throughout the state. AGIC also has innovative payment and deductible-reducing programs to help drivers save money.

Melissa DeAngelo is with Florida auto insurance company and Florida car insurance company, AGIC. To get a quote or learn more visit www.agicinsurance.com.

Review a Teen’s Auto Insurance Before College Begins

Many students are starting the exciting time of going to college this fall. In the hustle to get dorm room furnishings, books, and all the comforts away from home settled, it is important to review your teen’s auto insurance. You first want to check if the auto that your teen drives has their name on the title. If it does, your son or daughter will need to have their own auto insurance policy.

It is critical that an insurance company knows the car will be based mostly on campus. Car insurance rates can come down if the location of the school is drastically different than the primary residence. Universities in rural or small towns can lower premiums more than urban areas where there is more risk.

Otherwise, if the title is still in a parent’s name, your child can remain an insured driver on your policy. Many companies will want to know that your child still lives at home during breaks and is technically a resident in the home.

Luckily there are still ways for your teen to save on car insurance. Good student discounts and a continuing good driving record will help keep costs down. The vehicle driven, how much your teen drives, and safety features of the car can also affect the premium. Many parents also review the policy coverage amounts to ensure that their teen is protected when they are away from home. It’s the first time that a parent cannot be there for their child at every obstacle that life presents, so reviewing the bodily injury, personal injury protection, uninsured/underinsured motorist, and collision coverage is important.

Parents should take the time to also have an honest discussion with their teen. Explain that you know college is an exciting time, but drinking and driving and distracted driving can have serious consequences. Teens sometimes let others drive their vehicle and while this is a scary thought for a parent, it is better to discuss this ahead of time so that your child can be smart and remember the discussion when confronted with a challenging situation. It is crucial to remind your teen that it is important to stay alert when driving back and forth from college, including if they have to work off campus while going to school.

In Florida, AGIC Insurance, Inc. has assisted many parents and college students to get reasonable Florida auto insurance. They will help you shop around for the best policy and get peace of mind that your teen will be protected while going to college. AGIC has installment payment plans too so that individuals and their families can make the insurance work to fit their monthly budgets. To learn more, click on http://www.agicinsurance.com or call 1-877-854-0123.

Melissa DeAngelo is with Florida auto insurance company and Florida car insurance company, AGIC. To get a quote or learn more visit www.agicinsurance.com.

The First Steps After an Accident are the Most Critical

After an accident occurs, many people become frustrated about the first steps they should take. The drivers should definitely exchange information and insurance contact numbers so that any vehicle or personal injuries can be taken care of in a timely manner. Be sure to not get in a confrontation with the other driver, as unfortunately you do not know the caliber of the person that has just hit you and how they could harm you.

The police should be called so that a full crash report is completed. This is critical so that the insurance company can compensate you for damages and shows who or what caused the crash. Otherwise a crash can become a situation of one word against another person’s. Especially if you find that the other driver is uninsured, you want as complete a record of the accident as possible so your insurance company can pursue action against them. Also, if you have suffered physical injuries you should seek medical attention immediately.

Taking pictures at the scene of the accident is helpful to your insurance company to show the fault and extent of the damage that the other driver caused. Same goes for any eyewitnesses. Their contact information and statements make your claim stronger. As soon as possible, call your auto insurance company to start a claim against the other driver’s insurance.

From here, you will want to get repair estimates to know how much it will be to fix your vehicle back to normal. Drivers should get quality parts to repair the auto and a paint job as needed to fix cosmetic damages. An insurance company will want to get a printout of the itemized list to then assess the costs. This is when the insurance claims adjuster will sometimes get in touch with you to inspect the vehicle, meet with you, or contact the auto repair shop to verify the extent of the damage.

When the adjuster signs off on the repairs needed, a check will be sent to you for that amount. A property damage release will then be sent to close out the claim file. At this point, no more claims can be made due to the accident, so be sure to know the full extent of your auto damage and medical concerns at this time.

The Florida auto insurance company AGIC assists drivers in getting quality medical care and auto repair after an accident. They have preferred provider networks that equal big savings for drivers throughout the state. AGIC Insurance, Inc. also has innovative deductible-reducing programs after an accident occurs when drivers go through these preapproved networks. To learn more, click on http://www.agicinsurance.com or call 1-877-854-0123.

Melissa DeAngelo is with Florida auto insurance company and Florida car insurance company, AGIC. To get a quote or learn more visit www.agicinsurance.com.

Senior Drivers in Florida Benefit from Auto Insurance Savings and Classes

There are a lot of benefits to being a senior citizen in Florida. Age-related eating and recreation discounts abound and save seniors lots of money. Even auto insurance can be cheaper for drivers between 55 and 70 years old. But what a lot of seniors don’t realize is that they need to review their Florida auto insurance policy to make sure they are adequately covered.

The Insurance Institute for Highway Safety says that senior drivers have as many fatal crashes as 16 to 19-year-olds. In these deadly crashes, seniors were hit two times more than the teenage group. For 22 percent of these accidents, older drivers were turning left and died. Decreasing field of vision and slower reflex times cause seniors to be more susceptible to accidents.

Studies have shown that seniors who take accident prevention courses and brain training for a total of 10 hours can drastically reduce their likelihood of getting in an accident. As the baby boomer population continues to age, older drivers will keep their licenses active and drive increasingly more. Seniors can get deeper Florida car insurance discounts and protect their livelihood from taking these car courses.

Older adults can benefit by talking to a qualified car insurance agent to make sure they have adequate bodily injury coverage and the best Florida car insurance quote. Senior drivers take much longer to recover from serious bodily injury at this age, so ample coverage to take care of medical bills and recuperation time is critical.

An estimated 57 million seniors will be driving by 2030. AARP has a “CarFit” program for seniors to take advantage of to help improve their safety, mobility, and comfort. The educational class covers topics such as proper mirror adjustment, foot positioning, and proximity to the steering wheel. Many of the seniors who attend classes “…made a change to improve the fit of their vehicle, their use of safety features in their vehicle and/or their willingness to discuss their driving with family and/or health care providers.”

AGIC Insurance, Inc. helps seniors learn more about protecting themselves and their assets from serious car accidents. AGIC representatives will take the time to explain liability, medical, uninsured motorist, and vehicle damage coverage to the client so there is a full understanding of their Florida car insurance quote. The company makes it easy to get an auto insurance quote over the phone or online. To learn more, click on http://www.agicinsurance.com or call 1-877-854-0123.

Melissa DeAngelo is with Florida auto insurance company and Florida car insurance company, AGIC. To get a quote or learn more visit www.agicinsurance.com.

Tampa Auto Insurance Needed to Safeguard Drivers and Their Assets

More than 1.23 million people call Tampa and Hillsborough County, Florida home. From great job opportunities to shopping in South Tampa and St. Petersburg’s Central Avenue district and recreation at nearby beaches, residents and visitors do a lot of driving. The typical driver spends close to 30 minutes driving to work, and navigating I-275, I-75, and State Road 60 for work and pleasure.

With so much driving, individuals and families must protect themselves with adequate Florida auto insurance. The latest data shows that more than 18,100 accidents happened in the county. Whether you drive a car, truck, passenger van, or motorcycle, statistics show that careless driving causes the most accidents. Failing to yield the right of way, following too closely, disregarding traffic signals, and distracted driving cause the most accidents and injuries to drivers and passengers. Add in drivers under the influence of alcohol, and it’s a must that you get sufficient Florida car insurance to protect yourself and your assets.

Drivers must also be aware that an estimated 24 percent of drivers in Florida are uninsured. Even though this is against state law and a driver can have their license suspended with hefty fines, it is a reality of the economy and amount of people that travel our roadways. Getting uninsured/underinsured motorist coverage in your policy is highly recommended. This coverage protects a driver should an accident happen with a driver that does not have insurance or too little insurance to pay for injuries and damages that occur.

Florida is a no-fault state, which means that an insurance policy will cover injuries or damages no matter who was at fault. A minimum of $10,000 property damage liability coverage and $10,000 personal injury protection (PIP) is required. PIP also covers a driver if they are injured in another person’s vehicle. Collision coverage pays for damage in which the driver was at fault. Comprehensive coverage pays for damages due to weather events, theft, and vandalism, amongst other factors.

In Hillsborough County, more than 2,500 motor vehicle thefts occurred according to the most recent crime data. With a vehicle stolen close to every eight minutes statewide, and criminals sometimes after specialty parts, drivers must protect themselves from this devastating problem.

AGIC knows how stressful it can be to deal with a vehicle theft or accident. Their Florida auto insurance quotes provide drivers with the best value and a complete package of needed services. AGIC has payment plans that allow drivers to choose how much and when payments will be made. When you are in an accident, AGIC has an innovative deductible program where your deductible can be cut in half by using one of their accredited health care and diagnostic facilities in their Preferred Provider Network. Drivers will also get substantial savings through their Approved Repair Centers. To learn more, click on http://www.agicinsurance.com or call 1-877-854-0123.

Melissa DeAngelo is with Florida auto insurance company and Florida car insurance company, AGIC. To get a quote or learn more visit www.agicinsurance.com.

Recently Divorced Individuals Need to Consider Updating Auto Insurance

Tampa, Fla. – Going through a divorce can be an extremely emotional and grueling financial process. What to do with the kids’ schedule, the home, and starting a new, single life can be overwhelming. The National Association of Insurance Commissioners (NAIC) recently published some tips for divorced spouses that need to re-focus on insurance issues.

Remove your ex-spouse from the policy once the divorce is final, said the NAIC. “Should the ex get into an accident, you could potentially be liable if you still share the policy. If a claim occurs, your ex-spouse may be listed on any check if they are still listed as an insured.”

Individuals should be sure to get the updated paperwork to prove that they are the sole owner of the automobile. Then they can call a Florida auto insurance agent to see what coverage is going to be the best value. If an individual has moved, the new address must be listed for accuracy of the insurance records.

“We are here to help single parents with all their Florida car insurance needs,” said Vincent Payne of AGIC Insurance, Inc. “We will update them on all the latest insurance regulations to give them peace of mind.”

AGIC has an innovate cash pay option with many locations throughout Tampa and Florida that are open longer than the standard nine to five insurance office. They are known for their partnership with the Physicians Group for medical attention after an accident, and even let drivers cut their deductible in half should they need this resource.

“AGIC is a one-stop shop as we also partner with leading auto repair centers,” Payne said. “Claims are paid quickly and the repair centers are top of the line so your vehicle is fixed efficiently.”

The company makes it easy to get a Florida auto insurance quote over the phone or online. AGIC representatives will take the time to explain liability, medical, uninsured motorist, and vehicle damage coverage to the client so there is a full understanding. To learn more, click on http://www.agicinsurance.com or call 1-877-854-0123.

AGIC Insurance Partners with Unique Medical Care Service for Low Deductibles

Tampa, Fla. – Healthcare concerns as a result of an auto accident are a serious issue. As the peak driving season starts with spring and summer travelling, individuals should make sure their Florida auto insurance covers bodily injury, medical care and access to good medical providers.

“We know how traumatic it can be to face a deductible and find quality medical care after the accident,” said Vincent Payne of AGIC Insurance, Inc. in Tampa. “We will pay your claim quickly and fairly.”

AGIC allows drivers to cut their deductible in half when they use their Preferred Provider Network for full-service healthcare and diagnostic testing. Their Preferred Provider Network lets drivers find a doctor’s office near their home or work. Physicians Group is the healthcare provider and is a one-stop resource for medical care, surgery and physical therapy. They also will file all the insurance claims so individuals can focus on getting better, not all the medical bills.

With 50 locations throughout Florida, the Physicians Group can also help with X-rays, MRIs, and other diagnostic tests. They specialize in spine, neurosurgery and orthopedic surgery for auto accident victims, too.

“Drivers will have a qualified healthcare professional prescribe care that will assist you to a speedy recovery,” Payne said. “Access to world-class care like this and slashing the deductible 50 percent is a big reason why people choose AGIC Insurance.”

Sometimes more gentle procedures are needed after an auto accident. Physicians Group takes a multi-disciplinary approach and also has massage therapists and chiropractors available for drivers’ specific problems. They are specialty accredited by the Joint Commission on the Accreditation of Healthcare Organizations. Accreditation involves a comprehensive, rigorous evaluation of the quality of the health care organization.

AGIC helps drivers with all their Florida car insurance needs. They are known for their affordable policies, access to high-quality medical care, and customer service. They are readily available to give drivers a competitive Florida auto insurance quote with diverse payment options and locations. To learn more, click on http://www.agicinsurance.com or call 1-877-854-0123.

Auto Insurance Fraud Equals High Costs for Everyone

Florida is getting a lot of attention due to high levels of auto insurance fraud. Florida’s auto claims total 30 percent of all questionable national claims, giving it the distinction of being No. 1. Personal injury protection fraud is such a big problem that’s it is driving up all drivers’ Florida auto insurance premiums.

“Floridians need to know that our state, unfortunately, continues to have the highest number of questionable, or ‘staged’ accidents of any other state in the country,” said PCI assistant vice president and Florida regional manager William Stander. Four of the top 10 cities with the most fraudulent claims include Tampa, Orlando, Miami, and Hialeah.

PIP fraud squads are attempting to uncover staged accidents and bogus auto insurance claims. With triple-digit increases in questionable claims, the state’s Department of Financial Services and Division of Insurance Fraud want to introduce laws that will assess civil penalties for fraud, tighten medical clinic regulations and ensure their healthcare services are appropriate for the accident.
Florida car insurance companies are on the lookout for fraudulent claims and assess the following red flags:
• Increasing or adding coverage in the weeks before an accident or theft happens
• History of losses and claims
• Individual who is overly calm after a big accident
• High debt loads that would cause an individual to want to make a claim
• Medical records appear altered or only list highest-cost procedures
• Unusual delay in reporting the accident
• Taking off more days than is typical due to the accident

As insurance adjustors and regulators attempt to decrease fraud, they are turning to forensic accounting and other investigation tactics to determine the validity of a claim. “Policyholders shouldn’t be afraid to submit a legitimate claim,” said Tom Welsh, vice president of training for the National Insurance Crime Bureau. “Insurance companies don’t want to pay anything they don’t legitimately owe because that hurts their customers and their business. Fraud hurts everybody because everyone’s premiums go up when fraud happens.”

Attorney fees and auto accident-focused healthcare centers are under heightened scrutiny. Increased claim severity and costs are being viewed as a way for these two industries to profit off of low-grade injuries such as fender benders. But in the long run it just really hurts monthly auto insurance premiums, said the Property Casualty Insurers Association of American.

Melissa DeAngelo is with Florida auto insurance company and Florida car insurance company, AGIC. To get a quote or learn more visit www.agicinsurance.com.

An Auto Insurance Agent Can Advise on the Least Expensive Car to Insure

It can equal big cost savings to buy the right vehicle to keep your Florida auto insurance premiums low. The 2011 list of the least expensive vehicles to insure was recently released. These vehicles have the lowest loss and claim record history, best drivers, and reasonably priced parts.

Sport utility vehicles, vans, and minivans top the list of cheapest to insure. Insurance companies like these autos because they’re usually driven by parents with kids who are doing errands and short trips. “When shopping for a vehicle you have to look for safety as opposed to sexy,” advises Peter Moraga, a spokesperson for the Insurance Information Network. “A safer car is not only going to save your life, it’s also going to lower your insurance rates.”

The top vehicles ranged from $1,179 to $1,241 a year for insurance coverage for a 40-year-old driver with a clean driving record and a 12-mile commute to work. The top 10 autos include:

• Chevrolet Equinox four door, four wheel drive vehicles
• Honda Odyssey vans
• Chrysler Town & Country LX
• Honda Element LX
• Four-cylinder Mercury Mariner with 4-wheel-drive
• Four-cylinder Toyota Sienna
• Four-wheel-drive Mazda Tribute
• Ford Escape vans
• Chevrolet Traverse SUVs, both two wheel drive and four wheel drive models
• Jeep Wrangler Sport and Unlimited Sport models

Safety equipment can also help decrease Florida car insurance premiums. Electronic stability control, airbags, and backup detection devices are features that drive costs lower. But if you aren’t a fan of these vehicles and gravitate to the opposite side of the auto spectrum, beware of auto insurance costs that range two to three times more.

For drivers that can’t live without a new Mercedes, Jaguar, BMW, Porsche or Aston Martin, high car insurance premiums are a given. “Any vehicle that would cause a teenage boy to stop and gawk would likely cost a pretty penny to insure,” says Russ Rader, a spokesperson for the Insurance Institute for Highway Safety. “Many of the vehicles at the top of the list cost as much as a small house to buy, and that means they’re costly to fix.” Even with an immaculate driving history, these vehicles are such powerful, fast machines that a single part in need of repair can equal the total cost of one of the top 10 autos.

In Florida, AGIC Insurance, Inc. will help an individual review average annual premiums as they are car shopping. They are known for affordable auto insurance and working with a driver to set up a payment plan that meets their budget. To learn more about getting a Florida auto insurance quote, click on http://www.agicinsurance.com or call 1-877-854-0123. AGIC representatives will take the time to explain vehicle damage coverage as well as liability, medical, and uninsured motorist coverage so every client has a full understanding that they are getting quality insurance at a great value.

Melissa DeAngelo is with Florida auto insurance company and Florida car insurance company, AGIC. To get a quote or learn more visit www.agicinsurance.com.