Common Questions About Florida Insurance

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Florida Insurance FAQs

(Submitted by: dino777888)


I do not have auto insurance but the driver of the car I was in does. Also, it was a hit and run and the police have the persons name and insurance info. What are my rights and who pays for my claims from the hospital, doctors and loss of work???

December 30, 2008 • Tags: Auto Accident, Auto Insurance, Hospital Doctors • Posted in: Florida Insurance • Comments Off

(Submitted by: Juniper L)


I’m 22 years old and i just moved to florida from delaware and i neeeed to find good car insurance that’s not too expensive!

December 17, 2008 • Tags: Cheap Car, Cheap Insurance, Insurance • Posted in: Florida Insurance • Comments Off

(Submitted by: wbaker4677)


I need health insurance for me and my family in florida. We live in pennsylvannia now. We have state funded health insurance called first priority. Is there any program like this in Florida?

December 14, 2008 • Tags: First Priority, Health Insurance Plan, Pennsylvannia • Posted in: Florida Insurance • Comments Off

(Submitted by: stacy c23)


I recently just found out that I am pregnant (6 weeks!). I also just found out that my department, including myself, may be getting laid off due to a recent merger. I know about COBRA but it may not cover me through my due date. Also, I think it may be cheaper if I can just switch to my husband’s insurance. We live in Florida and he currently gets insurance (Blue Cross Blue Shield) outside of his employer but he could switch to a group plan with the company if needed. I heard that he would need the group plan in order for me to switch over to his plan and be covered when I get laid off. Does anyone have any better information or suggestions!!! Thank you
!
Yes, he makes too much for me to be considered for medicade. We’ll make the switch to his group insurance then. Thank you all so much for your advice/suggestions~I feel much more at ease now that I have this knowledge. Thank you so very much!!!

December 13, 2008 • Tags: Cobra, Due Date, Merger • Posted in: Florida Insurance • Comments Off

(Submitted by: Motor I)


Does anyone know where to buy cheap hazard insurance online? I heard of this company that gives free quotes. CheapHazardInsurance.com I have property in Florida and
and the hazard insurance is killing me thats why i need to
get cheap hazard insurance. Thanks in advance…

November 22, 2008 • Tags: Cheap Insurance, Insurance, Thanks In Advance • Posted in: Florida Insurance • 3 Comments

(Submitted by: Caszmera (Cassie))


What would the premium be? And then once i get my license how much will it be and will i have to get my own plan?

November 22, 2008 • Tags: Parents, State Insurance, State Of Florida • Posted in: Florida Insurance • Comments Off

(Submitted by: Kimberly M)


need a new career and am wondering here in florida if anyone is making $ in this feild

November 21, 2008 • Tags: Economy, Insurance, Money • Posted in: Florida Insurance • Comments Off

(Submitted by: Mari-Yeli o])


Is there any way to apply or receive FREE health insurance in or near Brandon, Florida. I am a college student here and don’t want to pay for health insurance b/c its expensive. I used to live in New York and know that there there are many companies that give free health insurance for low income people. Any help?

November 19, 2008 • Tags: Brandon Florida, Health Insurance For Low Income, Insurance Florida • Posted in: Florida Insurance • Comments Off

(Submitted by: CzaLeo)


I wanted to know who you knew that had or provided the cheapest homeowners insurance for the state of Florida

November 15, 2008 • Tags: Homeowners Insurance, Insurance • Posted in: Florida Insurance • Comments Off

Finding health insurance coverage for the individual residing in Florida should begin with a visit to Florida Insurance Department’s website so that health insurance coverage for individuals can be evaluated. The Florida Insurance Department will provide a list of all insurers licensed in the state who conduct individual health insurance.

Once you have obtained this information, you can contact the insurers directly to get more information on their plans. Be sure to evaluate several key factors to ensure you are getting the best coverage with the widest network of providers at the most affordable price.

Some things to look for when evaluating your individual health plan are to compare the deductible, physician services co-payments, out of pocket maximums, preventive health care and prescriptions co-payments. When comparing these factors, be sure to consider how each compares with the insurers from whom you are getting quotes.

Please remember that you can be turned down for coverage by health insurers in the State of Florida due to your health status. Health conditions such as diabetes, heart conditions, cancer and other serious health risks may result in the health insurers declining the applicant coverage.

Ask friends and family who they have health insurance through and how they feel the company has treated them. Make sure that claims payments and enrollment are a relatively easy process to handle. You will not want to start paying premiums and then get poor service.

Health insurance coverage for the individual in Florida may be reasonably priced if you purchase a high deductible health plan. But do not be surprised if you are covering a family and purchasing a low deductible plan, such as a $500 deductible plan, to pay over $750 per month.

If you cannot get health insurance due to your health status, The State of Florida has a high risk pool that is periodically opened up to new members. Check with the Insurance Department. If you can elect to continue coverage through an employer via COBRA, I would recommend that you do this before pursuing an individual policy. COBRA continuation is right you have if you leave an employer with more than 20 employees.

Once you get your insurance policy in place, be sure to reevaluate the marketplace the next year before your renewal. You should expect to get at least a 10% increase during 2007 or 2008. Health insurance is an expensive and volatile product but one that you should not go without. So go to the Florida Department of Insurance to get basic health insurance information and ensure that you receive several quotes so that you can compare the plans of these insurers.



By: Scott Cooper

About the Author:

Shila

November 14, 2008 • Tags: Deductible Plan, High Deductible Health Plan, Pocket Maximums • Posted in: Florida Insurance • Comments Off

(Submitted by: Robin)


I have Blue Cross Blue Shield of Florida

November 13, 2008 • Tags: Blue Cross Blue Shield Of Florida, Health Insurance, Insurance • Posted in: Florida Insurance • Comments Off

(Submitted by: SHAN)


Is anyone aware of any place in South Florida that is offering free or at minimal cost mammograms?
Then again if they found something I would not be able to pursuit it without Health Insurance. signed:
a single working Mom

November 12, 2008 • Tags: Awareness Month, Free Mammograms, Insurance • Posted in: Florida Insurance • Comments Off

(Submitted by: calrain07)


my parents are telling me they dont want me to get my florida learners license because the insurance immediately goes up. but everybody i talk to who got their license in the last 5 years say it only goes up like a year or two later. most of the have state farm. im ready to take the course and take the test just i need my parents permission.

October 27, 2008 • Tags: Insurance, Parents, State Farm • Posted in: Florida Insurance • Comments Off

(Submitted by: GriffinsNC)


I am trying to sell my home in Florida and have interested buyers, but the cost of the insurance is probably going to make the deal fall through. I’m just curious if I am the only one, or is anyone else running into these problems.

October 27, 2008 • Tags: Home Owners Insurance, Insurance, Interested Buyers • Posted in: Florida Insurance • Comments Off

(Submitted by: gayannboxing)


I am a single person looking for health insurance for the best coverage

October 13, 2008 • Tags: Florida Area, Insurance, Insurance Coverage • Posted in: Florida Insurance • Comments Off

(Submitted by: jswanson1961)


I have recently moved to FL and I need to get some new health insurance, since I am now self-employed. I see a ton of agencies, and websites but I’m not sure where to go. I have heard some horror stories from acquaintances so I am a bit apprehensive. Or should I just go to a company directly?

October 9, 2008 • Tags: Acquaintances, Horror Stories, Insurance • Posted in: Florida Insurance • 4 Comments

(Submitted by: waterscorpion28)


I am required to carry Sr22 insurance for the state of ohio to have my drivers liscense,I now live in florida and have a florida liscense and not an ohio liscense.If i let my Sr22 cancel will it effect my florida liscense in any way.I do not plan on getting my ohio liscense reinstated,because I live in florida.

September 30, 2008 • Tags: Cancel, Insurance, Insurance Ohio • Posted in: Florida Insurance • Comments Off

(Submitted by: Citrus)


I would like to do a search for a property in Florida to see if it has any lien, morgage, restrictions, to make sure it is problem free. Can anyone please give me some recommendations? Thank you!

September 18, 2008 • Tags: Insurance, Insurance Florida, Title Insurance Company • Posted in: Florida Insurance • Comments Off

(Submitted by: miams)


If i have my own car…paid off..it’s mine….do I need insurance on it here in Florida? How does that work?
Thanks for the answers!! I called the insurance department here in FL, and they said all i NEED…required by law are Personal injury protection and Property damage liability!
Whoever answered that will receive the best answer!

September 15, 2008 • Tags: Car Insurance, Insurance Florida, Property Damage Liability • Posted in: Florida Insurance • Comments Off

(Submitted by: tjigga99)


I live in Florida and because my taxes and insurance went up, my mortgage payment has gone up so much that I don’t make enough money to cover my minimum monthly payments on my credit cards. I don’t know how to fix this solution without ruining my credit even more.

September 10, 2008 • Tags: Credit Cards, Florida Taxes, Mortgage Payment • Posted in: Florida Insurance • Comments Off

(Submitted by: Michael)


I am 16.
Live in Miami, Florida.
Drive a Toyota Corolla 1992.

I want the insurance that I’ll only be paying to cover the repairs of the other car if i get into an accident and not mine. About how much do you think the insurance will cost me?

Oh and I plan to pay for the full year in one full payment and not monthly.
Oh and I MUST get state farm because my parents are making me. .

August 30, 2008 • Tags: Miami Florida, Toyota, Toyota Corolla • Posted in: Florida Insurance • Comments Off

(Submitted by: vmsergei)


Hi. We have purchased a condo in florida, north miami now trying to figure out what type of coverage we will need for our condo. I think there is personal property liability-is that the minimum required? Where should we start?

August 29, 2008 • Tags: Condo Florida, Insurance, Personal Property • Posted in: Florida Insurance • 3 Comments

(Submitted by: stacy c23)


I recently just found out that I am pregnant (6 weeks!). I also just found out that my department, including myself, may be getting laid off due to a recent merger. I know about COBRA but it may not cover me through my due date. Also, I think it may be cheaper if I can just switch to my husband’s insurance. We live in Florida and he currently gets insurance (Blue Cross Blue Shield) outside of his employer but he could switch to a group plan with the company if needed. I heard that he would need the group plan in order for me to switch over to his plan and be covered when I get laid off. Does anyone have any better information or suggestions!!! Thank you
!

August 29, 2008 • Tags: Cross Blue, Health Insurance, Merger • Posted in: Florida Insurance • Comments Off

(Submitted by: raz)


I live in Florida. My car accident was due to the person running a Red light. He was at fault as stated in the police report. The other party’s insurance is taking their time to settle our claim. My question is: what is the time limit for an insurance claim to be settled?

August 27, 2008 • Tags: Insurance Claim, Police Report, Red Light • Posted in: Florida Insurance • Comments Off

(Submitted by: playtoofast)


when floods happen government pays for rebuilding rather then private insurance.
IT SEEMS FUNNY HUGELY profitable life insurance is not under government regulation .
AUTO insurance is and you have to have it
HOME owners insurance is and you have to have it
un-employment insurance is paid to the state
we spend thousands every year and never question why the government does not handle all insurance .
BUT regulates the insurance industry i live in florida and every year rates climb 5-6 -7 years of huge profits in insurance paid out to stock holders .who are the people getting rich in the market not workers who pay into insurance its the rich money movers in america how to move your money into there pockets and they are getting better every year at it .should we just all hand back our pay checks and see what the government hands out or do we do something to keep the rich from stealing from us everyday.

August 22, 2008 • Tags: Funny, Insurance, Private Insurance • Posted in: Florida Insurance • 4 Comments

(Submitted by: miss kayla)


Im fixing to get my first car and need spome good car insurance companys in florida…

August 21, 2008 • Tags: Cheap Car Insurance, First Car, Good Car • Posted in: Florida Insurance • 7 Comments

(Submitted by: none)


I am 22 years old and I live in Florida. I have no health insurance but I really need it because I have asthma and alot of other health issues that seem to come up alot. Does anyone know of any type of affordable health insurance or anything that could help me?

August 18, 2008 • Tags: 22 Years, Alot, Insurance Florida • Posted in: Florida Insurance • Comments Off

(Submitted by: Bajan Queen)


My husband was hit by a drunk driver last year in Virginia. The other driver was taken to the hospital, arrested and charged with DUI and given a citation. We recently relocated to Florida and are trying to switch insurance companies since our current company does not operate in FL, however the new insurance (Progressive) is showing this accident as at-fault on my husband’s driving record. How do we go about fixing this?

August 15, 2008 • Tags: Current Company, Insurance, Insurance Companies • Posted in: Florida Insurance • 4 Comments

(Submitted by: Linda G)


need to find doctors that will take my husbands insurance and sams health allies [he's insurance is vista of south florida]

August 15, 2008 • Tags: List Of Doctors, Plam Beach Florida, West Plam Beach • Posted in: Florida Insurance • Comments Off

Quoting and Saving on your insurance coverage has never been easier. You’re a few seconds away from obtaining detailed quotes for low cost student health insurance programs.

Florida Health Insurance for Students

December 02, 2008

Graduates of Florida A&M and Florida State University have received numerous speeches and congratulatory gifts, but one real-world need many of them have and did not receive as a gift is health insurance. With a myriad of short-term insurance policies available, young adults are now stuck between their diploma and a hard place.

“Many of them do not know there is an affordable insurance solution for them because they never had to buy health insurance,” said Ellen Laden, public-relations director for Golden Rule Insurance Co. “Basically, each year hundreds of thousands of students join America’s uninsured.”

According to research compiled by the Commonwealth Fund, 38 percent of college graduates go through some uninsured period in their first year after graduation. Golden Rule Insurance is an Indianapolis-based individual insurer affiliate of UnitedHealthCare. For more than 20 years it primarily has provided short-term insurance for graduates and adults going through a transition from one insurer to another.

www.EasyToInsureME.com offers short-term insurance policies for terms as brief as 30 days. Its owner, Chad Levin, started writing the policies more than 5 years ago because of the recent increase in college population.

Last month, Latoya Harris graduated from FSU with a degree in English. Unlike her classmates, Harris was without health insurance before graduation. When she turned 22 in January 2006, her parents’ insurer, Kaiser Permanente, dropped her, even though she could show identification proving she was a full-time student.

“Thankfully, I haven’t had any major medical emergencies, so I haven’t had to worry about paying a huge amount of money,” Harris said. “Clearly, it can happen to anyone, so it’s just been a blessing that it hasn’t occurred.”

A representative from Kaiser Permanente said it is up to an individual employer when dependents are dropped from coverage, even if they are full-time students when their policy expires.

To get by, Harris said she visited the clinic at FSU where she only had to pay for prescriptions. She said it can be scary to graduate and not have health insurance and that “it kind of kicked in for me: ‘Hmm. I need to find a job and get health insurance.”

Harris has found a position in Clearwater and does not have a probationary period before her health insurance begins. She may be one of the fortunate graduates. According to a 2006 article, “Rite of Passage? Why Young Adults Become Uninsured and How New Policies Can Help” (Commonwealth Fund), adults between 19 and 29 are the fastest-growing demographic without health insurance. In 2004, the most recent year available, 13.7 million adults in that age group lacked health insurance, which is 2.5 million more than was reported in 2000. The Commonwealth Fund will release statistics this month updating the figures.

“Because most students are under their parents’ insurance, they don’t take the time to research it,” Harris said. She added it’s “definitely wise” for students to educate themselves.

Kylan Chavious is one who educated himself. Before he graduated from FAMU with a degree in computer information systems and taking a position at Lockheed Martin, he researched the possibility of a short-term policy. He does not have to worry about a lapse in health insurance because his parents’ policy with WellPath, a subsidiary of Duke Select, covers him until he begins at Lockheed in late June.

“It’s like the saying ‘better safe than sorry,” Chavious said. “That could not only be for your sake, but that could be for future children of yours or your spouse.”

Do business with a well-known company that has an extensive network both in Florida and across the country. (Network discounts can make health care much more affordable because rates are negotiated for the consumer.)

Find a plan that offers a wide range of deductibles (the higher the deductible, the lower the cost) and choice of months of coverage.

Determine which payment options (one time, monthly?) best fit your budget.

Make certain that you understand the plan and that the application process is a simple, quick one.

Make certain that you can drop the plan at any time without penalty if you become eligible for coverage by an employer.



By: Florida Heath Insurance

About the Author:

Joelie

August 13, 2008 • Tags: College Graduates, College Population, Commonwealth Fund • Posted in: Florida Insurance • Comments Off

(Submitted by: GSD4ever)


Iver heard you can’t get home owneres insureance if you own certain dog breeds like siberian huskys and pitbulls. Can some tell me if German shepherd and Alaskan Malamutes are also on that list

August 12, 2008 • Tags: Alaskan Malamutes, Florida Home Owners Insurance, Siberian Huskys • Posted in: Florida Insurance • Comments Off

(Submitted by: CzaLeo)


Florida used to be such a cheap state with very few people about 10yrs ago. Why is it that now all of the sudden, we cant get homeowners insurance, auto insurance is on the rise, property taxes are on the rise, unemployment are on the rise, some people I have spoken to is because Florida does not collect state tax on everyone’s paycheck. By not doing this than they have to look at other ways to make ends meet, and therefore rising property taxes, etc. Is this true if not what is the way Florida is going downhill fast.

August 6, 2008 • Tags: Florida Florida, Insurance, Property Taxes • Posted in: Florida Insurance • Comments Off

(Submitted by: bugnscout)


All the major insurers are pulling out of the state. Insurance is simply unavailable for many people, even if they are able to pay the exhorbitant prices. The state has become the largest insurer. People are forced in to the state’s high-risk pool which, by law, must charge prices 20% above going prices. When I moved to Florida a few years ago, my insurance bill was $700. This year, I consider myself fortunate that the bill for the same house is only $2500. The nearest other quote is $4500. This is for a modest middle-class home in a no-flood and hurricane non-evacuation zone.

The property tax structure shifts the tax burden to renters and those who have recently moved. The tax bills for two similar homes right next to each other can vary by over $1000.

Housing prices have risen so much that the state is considering building subsidized dormitories for teachers because they can’t afford to live here.

How do we fix this?

August 3, 2008 • Tags: Insurance, Insurer, Many People • Posted in: Florida Insurance • Comments Off

(Submitted by: Juan)


Does anyone know about how much an insurance is for a 16 year old in Florida? Well, the motorcycle i plan to buy would be from 125cc to 250cc

thanks for your help
oh lol i forgot i mean what is the yearly cost for insurance?

August 2, 2008 • Tags: Florida Insurance, Motorcycle Insurance, Thanks For Your Help • Posted in: Florida Insurance • Comments Off

(Submitted by: Nebojsa S)


I am not an US citizen and are moving to Canada from Flroda, i have returned my FL licence and still have an internationl licence, how do i get a car insurance in Florida that can get me to Canada?thanks

July 29, 2008 • Tags: Car Moving, International Licence, Moving To Canada • Posted in: Florida Insurance • 3 Comments

(Submitted by: rustypup12)


I am aware that if they are over 75% they are illegal here in Florida, and I’ve asked and searched the internet many times on insurance, and I still haven’t found any answers. So I’d like to have an idea or at least know if they have any effect on home isurance before I purchase it.

July 27, 2008 • Tags: Home Isurance, Insurance Price, Wolf • Posted in: Florida Insurance • 8 Comments

(Submitted by: Mahoro)


How do I get Dental Insurance? I live in Florida.

July 25, 2008 • Tags: Dental Insurance, Insurance • Posted in: Florida Insurance • 2 Comments

(Submitted by: PenneyL2)


My husband has high cholesterol (he is only 32) but it is hereditary. He eats right and exercises but is not currently on meds to lower his cholesterol. Neither of our employers offer health insurance. He was recently denied coverage due to no current treatment for the high cholesterol. Does anyone know of a company that would cover him with a pre-existing condition and with already being denied by one company? We live in Florida. He will be starting cholesterol lowering meds soon. We really don’t want a discount plan. I am not so concerned with drug coverage for him because we get the cheap Wal-Mart prescriptions, just major medical coverage. Any suggestions are welcome!

July 13, 2008 • Tags: Major Medical Coverage, Meds, Wal Mart • Posted in: Florida Insurance • Comments Off

Recently, Florida residents along the center of the State got another dose of natural disaster; a horrible tornado blasted through, killed 19 and injured dozens more. Most of the victims of the storm say they just cancelled insurance because of rising rates - few will get their property back – most will go bankrupt. Everyday people in Florida talk about insurance. Do I have enough, Is my house covered, can I afford to buy health insurance? Floridians have had enough and vow to force Congress to fix Florida’s insurance problem. Rates for both property and health insurance have gone up considerably since Katrina hit the Gulf Coast 18 months ago - some premiums have more than tripled. Insurance carriers like State Farm were hit with billions of dollars in losses and one expert says, “It’s now time for them to make up the difference.”

FLORIDA HEALTH NEWS FLASH

How to find “Affordable Health Insurance” For Individuals and Families living in Florida

Florida health insurance for individuals and families is relatively hard to find and most find coverage expensive or due to health conditions; not available at all.

Health insurance rates have skyrocketed in the last few years in Florida, 21% of Dade county residents go without health insurance even though doing so puts you and your family at risk. (read the PDF version) — Adults younger than 35 are nearly twice as likely to be uninsured as adults 45 and older, according to a report by the Blue Cross and Blue Shield Association. Twenty-seven percent of young adults in their 20s have no health insurance, according to a poll conducted by USA Today and the National Endowment for Financial Education.

Affordable health insurance plans are out there, you just have to know how to put the Internet to work for you.

To find the best value in a health insurance plan you need to know that buying insurance policies direct from a “major carriers” without comparison WILL probably cost you. The best way to find a policy is to:

· Find a Florida Health Insurance Consultant

· FloridaHealthInsuranceWeb.com (recommended)

· Select the most cost-effective plans

· You can talk with a trained consultant - FREE!

· Be covered a lot sooner than you think!

One other note on “Florida Health Insurance Web” — They provide Floridians with a total review of all available insurance plans, plus information about health insurance updated daily.

Is It Affordable??

Finding affordable health insurance has never been easy; it is not “one size fits all.” Depending on your current state of health, your budget, and individual needs, the best insurance for you may be far different than the best insurance for your friend or another family member. Now with rates so high, what do you do protect your family? Contact an expert insurance consultant and talk to them about your needs. They can show you all available policies, not just one policy from one carrier. A basic understanding of the various types of insurance that are available in Florida, and what each does and does not cover, can be helpful in determining which plan will work best for each person. Before you buy insurance for any purpose, a talk with a “Florida health insurance consultant” can save you literally thousands of dollars per year.

Picking Policies

Which policy to choose, how much deductible is right for me, are my prescription drugs covered; these are the things that are on most people’s minds when they look for health insurance. In Florida there are many insurance agents, selling their special type of health insurance policy. These policies vary from agent to agent, even in the same city, so the best bet is to search all available health insurance companies through a total insurance “provider” like: www.FloridaHealthInsuranceWeb.com The first step in selecting health insurance is being knowledgeable about what each type of policy is, and what they cover. Traditional health insurance, also called “fee for service” or 80/20, is the type of insurance that most of us grew up with. With that type of health insurance, you are entitled to visit any doctor you choose, and the insurance company pays 80% of the bill.

80/20 Plans

This (80/20) type of insurance offers the greatest flexibility, but carries the highest out of pocket expenses. One thing to remember…a deductible must be met before the insurance company will pay a dime. Another point to remember about buying health insurance; the lower your monthly premium, the higher the deductible will be. The insurance company usually reserves the right to cap payments if, in their opinion, the doctor’s fees are higher than what is thought to be “reasonable and customary” in your area. This is an excellent type of coverage to have if you become extremely ill and require a network of specialists, or if your medical bills are astronomical. Once your expenses for the year reach a certain level, the insurance company will take over and pay 100%.

PPO & HMO Plans

There are two basic types of managed care - HMO and PPO. With a Florida HMO, or Health Maintenance Organization, you pay a monthly premium in exchange for comprehensive medical care. There is usually a small co-payment for doctor’s visits (usually ranging from $5 to $25), and a somewhat higher co-pay or deductible is needed for hospitalization. The upside to this HMO Plan is: Your out of pocket expenses are significantly easier to predict and manage with an HMO rather than a fee for service plan. However, the downside of this plan is: an HMO introduces the concept of a “gatekeeper.” In an HMO, you must choose a primary care physician. That doctor, working in tandem with a risk management insurance officer, will determine your access to specialists. Finally, a Florida HMO plan requires you to use doctors that are part of the Florida HMO’s network. If you travel a lot, be sure to find out what the provisions are should you require an out of network doctor.

The other type of plan is the PPO. A PPO, or (Preferred Provider Organization), can be considered a blend of HMO and fee for service plans. You will choose a primary care physician in Florida, and generally use doctors that are part of the organization. However, a PPO lets you see doctors who are not part of the network for a somewhat higher fee. This increased flexibility is excellent for those who travel frequently, or for those whose current doctor is not a member of the organization.

Health Savings

Many other options exist for covering your medical expenses. A Health Savings Account allows you to set aside pre-tax dollars each month. Catastrophic insurance carries a low premium with a high deductible, and is designed to cover you if you develop a serious illness or injury. However, for the average consumer, the choice is generally between fee for service and managed care. All types of plans carry their own advantages and disadvantages, and it is important to understand what these are in order to make the right decisions for your family.



By: Morgan Q. Moran

About the Author:

Persis

July 12, 2008 • Tags: Florida Health Insurance, Health Insurance Plan, Insurance Problem • Posted in: Florida Insurance • Comments Off

(Submitted by: Haider Ali)


State of Florida

July 8, 2008 • Tags: Driving Permit, Learner S Permit, State Of Florida • Posted in: Florida Insurance • Comments Off

(Submitted by: Brian J)


I’m 19, have a year and a piece of experience, I have an Ortronics certificate saying I’m qualified to pull and terminate fiber optic cable. I have extensive experience pulling and terminating cat5 and 6. 4 pair, 25 pair, etc… The company I’m working for is not union, I live in florida and the company pays health insurance for me. I make $10 and hour. Is that reasonable, if not what would be?

July 4, 2008 • Tags: Cat5, Fiber Optic Cable, Health Insurance • Posted in: Florida Insurance • Comments Off

Finding auto insurance after moving to a new state can be challenging. Everything is unfamiliar, including insurance coverage requirements, agents, and even insurance companies. Certain tips, however, will assist the savvy consumer to find cheap Florida auto insurance.

Referrals are one of the most traditional ways to locate an insurance agent. In fact, agents still rely on word of mouth and customer referrals to provide new customers. They also advertise heavily through television, radio, and print media, trying to attract new customers.

Today, however, many auto insurance agents are designing attractive websites that advertise their insurance company. The majority of Internet users have learned that they can often secure policies online at rates much less than those quoted by agents. For this reason, shopping online for rate comparisons can greatly benefit the potential policyholder.

Some companies, however, do business in some states but not in others. How, then, can a person locate and know for sure that the company in which they are interested does business in the state in which he or she resides? Many internet sites offer users immediate feedback about whether a certain insurance company is available in their state.

Another useful way to locate a cheap insurance policy in Florida is to access many of the available Florida insurance websites. These sites allow a person to search for insurance by zip code, and lists several insurance companies that do business in the state of Florida.

Don’t be satisfied by searching just one site, however. This is especially true if the policy rate seems significantly higher than your previous policy and you have had no violations or accidents.

Most of these Internet sites will require some basic information before they are able to process a policy quote. Most ask for the names, addresses, and agents of the drivers who will be insured. Often, the sites will require the driver’s license number of at least the primary driver to process a policy quote. Other commonly requested information includes the year, make, and model of the vehicle to be insured. In addition, sometimes the site will ask for the Vehicle Identification Number, so having your car registration handy is also a good idea.

Locating cheap Florida auto insurance can be challenging if you are new to the state. Consider the availability of multi-policy or multi-car discounts as well as no claims discounts. Find an agent, or a company, that does the best job possible to meet your needs at the most reasonable price available.



By: Adam Hefner

About the Author:

Jonthan

June 30, 2008 • Tags: Auto Insurance Agents, Customer Referrals, Insurance Agent • Posted in: Florida Insurance • Comments Off

(Submitted by: dino777888)


I do not have auto insurance but the driver of the car I was in does. Also, it was a hit and run and the police have the persons name and insurance info. What are my rights and who pays for my claims from the hospital, doctors and loss of work???

June 28, 2008 • Tags: Auto Insurance, Hit And Run, Insurance Info • Posted in: Florida Insurance • Comments Off

(Submitted by: Island girl)


HMO, PPO or whatever… I need to know asap.
The work insurance is horrible!

June 23, 2008 • Tags: Health Insurance, Insurance Florida, Work Insurance • Posted in: Florida Insurance • Comments Off

(Submitted by: rita s)


I am trying to find a new home owner’s insurance company that offers the lowest price possible for a two story house. I have excellent credit so please share your recommendations. Thanks! : )

June 10, 2008 • Tags: Florida Houses, Insurance Price, Story Houses • Posted in: Florida Insurance • 5 Comments

(Submitted by: dougmccurrach)


Have a 25 year old condominium in Florida. Condo has insurance with Citizens which does not offer code upgrade coverage. As upgrades are in the common elements, my personal insurance may be unwilling to cover. Any advice on this conundrum? Talking $33,000 for rewiring and fire code requirements imposed since the place was built.

June 9, 2008 • Tags: Condominium, Fire Code Requirements, Personal Insurance • Posted in: Florida Insurance • Comments Off

(Submitted by: HOTTY)


How can i get healthcare without bring employed or with out being a student my situation is im over 21 i dont have a job that provides insurance,i use to be under my parents but being in school but now i cant, also im moving to florida so can someone tell me how can i go about getting health care at no cost something like medicad by in the state of florida

June 3, 2008 • Tags: Healthcare Insurance, Insurance, Parents • Posted in: Florida Insurance • 6 Comments

(Submitted by: Karilla Gorilla)


i need good temporary dental insurance
i live in florida

May 27, 2008 • Tags: Dental Insurance, Insurance, Temporary Insurance • Posted in: Florida Insurance • Comments Off

(Submitted by: Kauser M)


Does anyone know of any financial assistance for a kid who needs braces bad but cannot afford $6000.00 for them. My son has Florida kidcare but his dental insurance does not cover orthodontics. Any ideas?

May 26, 2008 • Tags: Braces, Insurance, Orthodontics • Posted in: Florida Insurance • Comments Off

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By: Wirat Muenpan

About the Author:

Brana

May 21, 2008 • Tags: Insurance Quote Comparison, Life Insurance Price, Rated Insurance • Posted in: Florida Insurance • Comments Off

As a Florida landlord I have several homes currently for rent in the South Florida real estate market.

Each day, phone calls come in from Florida tenants asking about one of the homes for rent. With each new phone conversation, prospective tenant provide shocking revelations about how clueless some Florida real estate investors are when they purchase a Florida rental home but don’t have the background or experience to rent the home to others as a landlord.

Here are some of the inappropriate business practices employed by Florida landlords in the distressed Florida real estate market:

Collecting advance rent and security deposits while concealing the fact that their Florida rental home is in foreclosure - leaving the tenant without any deposit money to use on another home

Offering below market rent to attract Florida tenants with full knowledge that they intend to let the home slip into foreclosure

Combining security deposits and advance rent in their own personal bank account

Not collecting any security deposit

Failing to pay their Florida property taxes on time

Allowing trampolines, above ground swimming pools, and vicious dogs on the property - dramatically increasing their liability for risks that might not be covered by Florida home insurance

Not having enough or the wrong kind of Florida landlord insurance

Last but not least, not maintaining their Florida rental home

With all of this going on, it is no wonder that Florida tenants seem to have the edge over their Florida landlord when a dispute with their lease arises and the case is heard by a judge in court. If you were a judge hearing a case in your court where a Florida landlord had demonstrated the kind of incompetence and mismanagement described above, wouldn’t you be inclined to be on the side of the Florida tenant and not allow that tenant to be evicted?

So what can you do as a Florida landlord to protect yourself in today’s volatile Florida real estate market?

Here’s how smart Florida landlords manage their rental homes:

Always collect a security deposit that is equivalent to two months rent at a minimum. In most Florida counties it will take almost two months to evict a tenant that is behind on the rent. Having one additional month of security deposit will provide you with an additional cushion to cover the time required to evict and will give you some additional cash to cover damage to your Florida home. Keep tenant security deposits and advance rent in a separate non-interest bearing bank account

Let current and prospective Florida tenants know if you fall behind on your mortgage payments for any reason. A sheriff showing up at your Florida rental home demanding that your tenants collect their belongings and be out of the house in 15 minutes is not the way your tenant should find out that your rental home is being foreclosed on.

Whether you are paying your Florida property taxes directly or into escrow, make sure they are paid by November 30th each year to get the maximum discount. If your Florida property taxes are paid from escrow, contact your Florida mortgage company and make sure they’ve received the bill and have it scheduled to be paid on time.

Talk to a Florida home insurance agent about the right kind of insurance to have on your Florida rental home. Usually a rental home will require dwelling fire or Florida landlord insurance.

Put at least $300,000 worth of liability coverage on your Florida dwelling fire insurance policy. Require your tenant to carry Florida renters insurance with another $300,000 worth of liability coverage. That will put $600,000 in total between a lawsuit and your own personal assets.

If your Florida insurance policy prohibits certain high risk activities such as trampolines, spell them out clearly in your lease.

Put all maintenance and rental home safety instructions in writing for your Florida tenant. Provide your tenants with a written manual that explains how to operate everything in your Florida rental home.

Document and respond immediately to all maintenance requests. If you can’t fix the item promptly, send your tenant written updates on the status of the item and when you expect the repair to be completed.

Every Florida landlord should become familiar with Florida Statutes Chapter 83 which covers landlord/tenant relationships in Florida.

As the Florida real estate market continues to be depressed, savvy Florida landlords will follow these principles - not just to protect themselves in case they ever have to appear in court, but because it is the right thing to do.

Don’t be the kind of rental home investor that give all Florida landlords a bad reputation!



By: Michael Letcher

About the Author:

Delcina

May 18, 2008 • Tags: Florida Real Estate, Prospective Tenant, South Florida Real Estate • Posted in: Florida Insurance • Comments Off

(Submitted by: nicksparta)


My company is in Florida.

May 18, 2008 • Tags: Health Insurance, Insurance, Small Company • Posted in: Florida Insurance • 3 Comments

Florida auto insurance costs have become ridiculously expensive and unaffordable for many with a strapped budget.

Not everyone has the privilege of obtaining a scooter and eliminating insurance costs. Here are some common logical ideas which may help in reducing insurance costs in the state of Florida.

First you need to understand insurance is a custom fit product, one size does not fit all. You may be living in Miami or Fort Lauderdale and have 2 cars which may run somewhere around $1800 for six months of insurance.

Meanwhile the person living next door not more than 20 feet away also has 2 similar cars and pays $900 for similar or the same insurance.

Auto insurance is rated on many different factors. First there is your credit score. Why should your credit score determine the cost of insurance? Simply put, statistically it shows a persons responsibility to pay bills on time and be more aware for their actions while driving. Person with a high credit score will have more fear to get behind the wheel of a car if they are intoxicated than one with a low or no credit score. Credit score is something people want to keep and retain as it brings benefits and discounts in many different financial areas.

Then there is the old driving record. For those who wear seatbelts, don’t speed or at least don’t get caught at it and are lucky enough not to have any collisions with other fellow motorists or objects, receive a huge reward from insurance companies by not being surcharged for reckless behavior.

Other factors which determine rates are length of driving history. Operators from certain countries outside the USA are surcharged because the insurance company can not check your driving record.

Marital status believe it or not has also an effect, if you’re a single female your rate could be higher than if you were married.

Florida Insurance companies are insinuating single females may have unknown friends or boyfriends which at sometime may borrow their car, this becomes a higher risk for the carrier.

And of course zip code has a major role. Insurance carriers hire bean counters. People who’s job is strictly to read statistics.

They create reports on every zip code in Florida state illustrating the number of accidents, speeding tickets, deaths, DUI’s, vandalism, etc. If you’re lucky enough to be in one of the congested zip codes you will enjoy the benefits of the higher cost of insurance.

Another factor why Florida auto insurance is so high is due to high loss exposure. Florida is well known for its riff raff of stolen cars, stolen parts, and accident scams. While many scammers take advantage of the Florida insurance companies assets the good paying consumers who avoid trouble have to pay for these losses and expenses. So the insurance keeps rising as cars keep increasing in value and claims grow consistently.

With all this said what is it you can do to decrease the cost. Obviously some have realized when the fantasy of owning that dream car fades the monthly payments combined with the insurance becomes a scary reality.

1.Know what your buying.

Different cars have different risks attached and are charged by the Florida insurance companies appropriately. A SUV may cost 10 to 30% more in insurance due to the fact that SUV’s have a greater risk of flipping over.

Insuring a Lexus in Florida may cost more than insuring a Honda due to the value of the Lexus is substantially greater to the Honda.

Choose several types of vehicles and get a preliminary quote on each one to compare how this in turn will fit into your monthly budget. Never buy in the moment, rationalize your income and expenses, too many of us buy in the moment only to regret it for the next few years.

If you are leasing or borrowing money understand the vehicle belongs to someone else until you pay it off. During this time the leasing company or bank will require you carry certain limits of insurance which may be more expensive then you realize. Check your contract before you buy or sign. Unlike marriage a lease can not be broken without huge cost.

2.Minimize cost.

There’s not much discounts you can count on anymore when your buying a car because they are all included and are automatic like an alarm system. However an auto theft recovery device or Lojack can save you a significant amount on your insurance. As much as 10 to 30%. It may cost more to add it to the vehicle but the savings on insurance will pay for itself over time.

Other Florida auto insurance discounts you should be aware of is homeowners discount, marital or spouse discount.

It may be wise to have an insurance agent you can trust who can advise you on discounts and also possibly decreasing coverage’s to meet your financial needs.

Check your driving record, you can request a copy of your driving record by using our link found at: flauto-insurance . com in the info section of our site. Often enough you may have incorrect infractions on your license which you my be able to remove by visiting your local DMV.

3. Making changes.

To get the cost down sometimes it takes some drastic changes. If you’re driving an auto 10 years or more consider removing the comprehensive and collision coverage. First research what the current value is, use the link found at http://www.flauto-insurance.com  info section to determine the current value. Also consider upgrading older vehicles because they may not receive certain discounts like dual airbags, or antilock brakes. These are safety features the insurance company will discount for.

If you have a child in the household who recently obtained their drivers license this can cause your Florida auto insurance premium to increase by 300%. This can continue until they are 21 yrs of age and as high as 25. An option would be to consider purchasing a late model vehicle for them with their own separate insurance policy. This way you may be able to get them a policy with lower limits than yours which meets their needs and allows them to build up their driving record. At the same time you will help by providing a valuable insurance lesson at an early age.

Another way to reduce cost is if you have a spouse not licensed or does not drive, get them licensed. Insurance carriers in Florida will usually surcharge a spouse in the same household who may not be licensed due to the risk this spouse may have to drive in an emergency and will lack proper driving knowledge without a license.

I have also seen other drastic measure taken on by people such as relocation to a different zip code. One of my clients moved from Miami to Orlando and saved $1500 on his Florida auto insurance.

You need to shop around websites such as http://www.flauto-insurance.com where there is an instant insurance quoting system set up with Progressive.

Keep in mind if you change to a Florida auto insurance carrier who is small and not well known, this may not be worth the money you may save. Today customer service is key and small companies just can’t or don’t want to spend the money for proper customer services. When you’ll need them it won’t be worth the money you’ll save from the frustrations and stress they can give you.

Hope some of these ideas may help. If you have any other suggestions or comments please go to our site at: http://www.flauto-insurance.com and use our contact form.

Happy motoring.

David Degen

Principal Broker

FLAuto-Insurance



By: David Degen

About the Author:

Hernandez

May 13, 2008 • Tags: Credit Score, Florida First, Fort Lauderdale • Posted in: Florida Insurance • Comments Off

(Submitted by: CT9A9)


i live in Florida and have been doing my research, but it seems too confusing to me. discount dental plan or dental insurance better suited for me? what i will need done is 4 wisdom teeth extracted, a molar root canal and a bridge. I’ve been looking into a few different companies and my options, but i don’t which company i should go with. any and all input would be highly appreciated. thank you all

May 8, 2008 • Tags: Bridge, Dental Plan, Wisdom Teeth • Posted in: Florida Insurance • Comments Off

(Submitted by: devoutguardian)


In the state of Florida, I’ve heard that car insurances have to add in the fees associated with purchasing a new car (as part of a property damage settlement). Is this true?
I do not have a contract with them stating what will be covered. Furthermore, I read on an auto accident info page that Florida statute requires property damage to include the fees associated with registering a new car, tag, title, etc. I’m just seeking to verify if that information is true.

I realize insurances laws are different for each state, (which is why I’m asking, and asked, specifically about Florida!).

April 30, 2008 • Tags: Accident Info, Car Tag, Damage Settlement • Posted in: Florida Insurance • 5 Comments

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By: Florida Heath Insurance

About the Author:

Grey

April 29, 2008 • Tags: Health Insurance Coverage, Health Insurance Deductibles, Insurancecompanies • Posted in: Florida Insurance • Comments Off

We are going to discuss how to reap the discount benefits from Florida condo insurance and Florida home insurance discounts by understanding and applying mitigation inspection reports. The state of Florida requires insurance companies to offer reduced rates for wind mitigation features.

In Florida this reporting system is standardized by all property insurance companies. Years before many carriers used the standardized Citizens insurance companies mitigation inspection forms as the standard. Meanwhile other insurance companies required insured’s to use their own made non standardized forms.

This practice was chaotic with all different forms from one carrier to the next made it difficult for consumers to change carriers or receive insurance discounts they were entitled to. Today we have a standardized form developed by the Office of Insurance Regulation on which the majority of Florida insurance carriers abide to called “The Uniform mitigation verification inspection form”. This inspection form when completed is valid for a period of 5 years of discounts.

Recently many consumers had been taking advantage of this form and the given discounts by misleading the insurance carriers. These insurance companies have become very strict on who can now inspect and sign off on this form including, a Florida licensed general, residential or building contractor

• A licensed building inspector

• A registered architect

• An engineer in the State of Florida

• A building code official (who is duly authorized by the State of Florida or its county’s municipalities to verify building code compliance).

Licenses today are checked for validity before a carrier will give such discounts.

All buildings and structures are not built the same or at least not similar enough before the Florida building codes of 2001. Florida is a state with catastrophic hurricanes which occasionally come to visit. One of the most valuable aspects of property insurance in Florida is windstorm hurricane coverage. This coverage will most likely bear the greatest insurance cost.

In order to lower insurance premiums buildings are built or redesigned to withstand wind gusts as great as 300mph.If your property has such features to withstand hurricane winds then the insurance costs can be drastically reduced by as much as 70%.

Verifying these structural features requires individuals to hire inspection companies or professionals at their own expense to complete the required form needed by the insurance carrier. It is recommended in 80% of the time to have an inspection performed since there may be unnoticeable features which can reduce premium.

If a condominium building contains a cement reinforced roof which most high rise buildings do, then the discount can be a significant large amount. Or any structure with cement reinforced roof. The strength of the roof structure is a vital key discount. Not so much as to what type of tiles are laid on the roof.

Then there is how this roof structure is attached to the building itself. Discounts apply when roof decks have been installed with large nails and close spacing. It may be secured by clips or straps. These may look like metal brackets that are nailed from the underside of the roof to the beams attached to the remainder of the building and holds the roof structure to the walls.

There is something known as secondary water resistance which can prevent the roof from allowing water penetration in the extreme case the roof tiles are removed or blown off by strong hurricane winds.

The roof shape is also a vital part. Structures built before 2001 may be more unlikely to have roof shape discounts due to Florida’s building code changes for hurricane compliance. The most common type of shapes is Flat, Gable, and HIP. These shapes are displayed in pictures on our Florida home insurance quoting page website. The HIP shape is the most beneficial for insurance discounts. The HIP shape is described as a roof which slopes down to the eaves on all four sides. This allows high winds to deflect and not clip any one side of the structure off the building.

Another important discount is the openings in the building. These are all the windows and doors. This usually may refer to hurricane shutters and can also apply to new hurricane impact windows and doors. Please note if you do not have shutters on EVERY window and door of the home then this discount will not apply. It is a discount of either all or none.

Newly constructed homes built after 2002 automatically receive many of the windstorm discounts as they adhere to the newer Florida building codes.

Of course there are other discounts which can reduce insurance premiums like inside sprinklers, central monitoring fire and burglar alarms but these are not a factor when reducing the insurance windstorm portion. Also you can select to have a hurricane shutter inspection done without the other windstorm features. This would reduce the cost of your inspection.

Keep in mind the cost of the inspections may be a significantly worthwhile investment considering the insurance premium savings either in the first year of the insurance policy or through the next few years. Always verify the inspection company or person you hire is Florida licensed and will be accepted by the insurance company. Always get a receipt and negotiate or confirm the inspection price before you hire them.

For more information and Fl condo insurance quotes please visit our sites at:

http://www.FLCondoInsurance.com

http://www.FLHomeInsuranceS.com



By: David Degen

About the Author:

Deena

April 15, 2008 • Tags: Building Inspector, Reporting System, Validity • Posted in: Florida Insurance • Comments Off

Thanks to global warming, hurricanes, floods, fires, and other natural disasters are on the rise. And robbery and vandalism in Florida are at an all-time high. So if you own a condo and don’t have Florida condo insurance you risk losing everything you own. Here’s how to get cheap Florida condo insurance with an A-rated company.

Florida Condo Insurance

Most condominium association insurance policies only protect the condominium structure. It doesn’t protect your personal property or provide you with liability insurance.

Here’s what standard condo insurance covers:

Your Property

Condo insurance pays to replace your personal property when it’s stolen, or when it’s been damaged by fire, smoke, vandalism, natural disasters, or plumbing leaks. Condo insurance covers your property even if it’s stolen or damaged at a location other than your condo. Standard condo association insurance covers your interior walls, carpets, and ceiling.

To determine how much property coverage you need, take an inventory of your personal property and use the total value as your insurance amount

Your Assets

Condo insurance pays for another person’s bodily injury medical bills and property damage bills when you or your family are found to be at fault. It also pays for your legal fees.

You should have enough liability insurance to cover all your assets - savings accounts, CDs, stocks, bonds, etc. - in case a lawsuit is filed against you.

How to Get Cheap Florida Condo Insurance

In order to get the best price on Florida condo insurance you need to get quotes from a number of insurance companies. You can do this quickly and easily by visiting an insurance comparison website.

Insurance comparison websites work with large insurance companies who bid for you insurance business. At one of these sites you fill out a simple questionnaire with information about your condo and the type of insurance you want, then you receive quotes that you can compare.

The better insurance comparison sites have an articles section where you can get money-saving tips, and a chat feature where you can talk with an insurance professional so you can ask questions and get insurance advice (see link below.)

Before you visit one of these sites, check with your condominium association to find out what they cover, and have your current condo insurance policy handy to help answer any questions on the site’s questionnaire. As you fill in the questionnaire make sure to request the highest deductible you can afford, and all the discounts you’re eligible for, in order to get the cheapest quote.

Visit http://www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to get cheap Florida insurance quotes online from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section.



By: ryan@thesatellitetvguide.com

About the Author:

Franciska

April 11, 2008 • Tags: Insurance Companies, Interior Walls, Liability Insurance • Posted in: Florida Insurance • Comments Off

(Submitted by: rob)


What is the condo law in florida when a pipe burst in the unit which damaged 7 other units…is it my liability or their insurance companies liability…my insurance company says it is the individual unit owners responsibility..my insurance covers mine, theirs covers theirs…is that correct?

March 26, 2008 • Tags: Burst, Insurance Companies, Liability Insurance • Posted in: Florida Insurance • Comments Off

(Submitted by: ♥ Shery ♥)


Hi, I am currently employed full time and have great heath insurance… however the company I work for was bought out and now we are going to have to go to a company self insured plan.. which in short has a high deductible.. and prescriptions will no longer be a co-pay . it will be 60%of the cost.. I am looking for information on prescription plans and would like to know if they can be used in addition to insurance. What are some of the better ones around. I live in Florida.

Thank you.

March 23, 2008 • Tags: Full Time, Prescription Plans, Prescriptions Plans • Posted in: Florida Insurance • 1 Comment

(Submitted by: whoareyou)


I know of a company that got quite a bit of insurance money after a hurricane in florida because the building was damaged and their inventory was damaged. I have overheard them say that they have written off all of their inventory because it was a total loss but I know for a fact that they still have quite a bit of inventory here and are selling it. I work for this company and enter all orders that come through the door.I thought that was illegal to do cause they got insurance money for the damaged stuff and also wrote it off.

March 20, 2008 • Tags: Hurricane In Florida, Insurance, Insurance Money • Posted in: Florida Insurance • Comments Off

This week the financial crisis brought more shocking news. General Motors, Ford, and Chrysler executives landed in Washigton on with their corporate jets seeking a share of the $700 billion Troubled Asset Relief Program.

In a shameless display of arrogance and entitlement, leaders of what used to be “best in class” companies begged for billions of dollars with their tin cups outstretched in front of the US Congress. Before the Big Three ever arrived in Washington, billions had already been committed to AIG and some of the largest financial institutions in the country.

During this financial meltdown we’re seeing something we never expected to see in our lives - broken promises from major corporations and government institutions on an unprecedented scale. The day has arrived when large companies and large states like Florida can’t raise the cash they need to meet their promises.

If you are a Florida home insurance consumer the financial crisis has put your biggest asset at risk - your Florida home.

Can you name a more sacred promise than the one a home insurance company makes to you when it takes your money and agrees to insure your home?

When you buy homeowners insurance in Florida the insurance company is promising you fast and fair payment of your claim. Florida insurance companies buy reinsurance to help them make good on this promise to you. Reinsurance is backup coverage that insurance companies buy to help protect themselves from big losses above certain levels.

The Florida Hurricane Catastrophe Fund was formed as a way to help stabilize the Florida home insurance market after Hurricane Andrew caused billions in damage to Florida in 1992. By offering reinsurance at affordable rates, the fund helped to make homeowners insurance available and affordable for many years.

That all changed after the Florida hurricanes of 2004 and 2005 when Florida home insurance became overpriced and hard to find again.

The Florida legislature responded to the Florida home insurance crisis by voting in 2007 to expand the reinsurance sold by the Cat Fund by $12 billion - raising its total risk to a total of $28 billion. Florida home insurance companies were required to purchase this additional reinsurance from the state and to pass along the savings realized on reinsurance to home owners.

As a Florida homeowner, you didn’t get the rate reductions that this law was supposed to provide. Your rate cuts never came close to the 24% predicted when the legislation passed. And to make things worse, the Florida Cat Fund took on an additional $12 billion in risk.

Now the Florida Catastrophe Fund has told us that the frozen bond markets won’t be an acceptable source to raise the cash it needs to meet its commitments to the insurance companies after a major Florida hurricane. It recently estimated that it could pay out $13 billion over the next twelve months - That’s $15 billion less than the $28 billion it is on the hook to pay!

What does all of this mean to you as a Florida home insurance consumer?

You didn’t get the rate relief you expected and your state took on financial obligations that it has no hope of paying.

You are at risk if Florida experiences a major hurricane in the next year. Once the losses of your Florida home insurance company exceed certain levels, your company will ask the Florida Cat Fund to reimburse them in order to pay your claim. Since the Florida Cat Fund is short on cash, you might have a long delay in getting your claim paid.

The promise to pay your Florida home insurance claim has never been more at risk than it is today.

Now that you know that the Florida Hurricane Catastrophe Fund will not meet its obligations, let’s examine the National Catastrophe Fund idea that Florida has been bring up in Washington for years. This National Cat fund would offer an additional layer of loss protection above and beyond the obligations of the Florida Cat Fund.

The theory is that a National Catastrophe Fund would be funded in part by insurance premiums paid by policyholders in states that are part of the fund. A National Cat Fund would be a separate fund that would earn interest and grow during the years when there aren’t any claims.

Supporters claim that no taxpayer money would be needed to sustain a National Cat Fund. Storm history tells us there would be times that federal tax dollars would have to be used to offset major losses.

And everyone knows that the federal government can’t keep its funds separate. Just ask someone in Washington to show you the billions that are supposed to be in the Social Security Trust Fund. You won’t be shown any cash - just a drawer full of T-Bills and IOU’s.

Now that the Big Three Auto makers and other shameless Fortune 500 companies have beaten Florida to the punch in Washington, it is very unlikely that a National Hurricane Catastrophe Fund will pass anytime soon. The red ink in Washington will make even President Elect Obama shy away from any additional federal obligations. So don’t look to the federal government to make good on the promise that was made to pay your Florida home insurance claim.

Finally, Citizens Property Insurance Corporation has consistently reported that it doesn’t have anywhere near the money it needs to pay out the almost half a trillion dollars in hurricane exposure it after a major Florida hurricane.

A large hurricane would mean that Citizens can’t pay even its primary obligations - those that it must pay even before losses reach levels where Florida Hurricane Catastrophe Fund reinsurance kicks in. And as a policyholder with Citizens, you are subject to paying higher special assessments after a major Florida hurricane than policyholders who have private homeowners insurance - special charges tacked on to your annual insurance bill.

In this new brave world where even governments can’t keep their promises here are some steps you should take as a Florida home insurance consumer right now:

Get a Florida wind inspection done and harden your home as much as possible.

Avoid Citizens Insurance Florida if you can.

Find a home insurance company that is strong financially and one that has spread its risk across both Florida and other states. Fewer policyholders will mean faster payment of your claim.

Report your insurance claim the same day as the Florida hurricane. This will make it more likely that you will get paid before your insurance company looks to the Florida Cat fund for reimbursement.

Last but not least. The fact that the Florida Cat Fund is short on money has not been lost on Florida home insurance companies. They are being charged for reinsurance by an entity that has publicly stated that it can’t meet its obligations. That means insurance companies are not getting what they paid for.

You should expect Florida home insurance companies to try to buy more of their reinsurance in the private market and not from the State of Florida in 2009. And they will look to pass that cost through to you in the form of higher insurance rates. If they don’t get the rate increases they need, your Florida home insurance policy might be cancelled.

As the Florida home insurance crisis continues, it has never been more important for you to stay on top of the Florida home insurance market for private insurance. You never know when you might have to find a new Florida home insurance carrier.



By: Michael Letcher

About the Author:

Heping

March 20, 2008 • Tags: Financial Meltdown, Us Congress, Washigton • Posted in: Florida Insurance • Comments Off

All states in the US have their own rules and regulations concerning auto insurance and Florida is no exception.

If you register a vehicle in Florida, then auto insurance is mandatory. The minimum requirements are $10,000 coverage for property damage liability and a further $10,000 coverage for personal injury protection. These amounts can of course be increased with a corresponding rise in premiums. Even if your vehicle is kept off the road for an extended period you must have a Florida policy unless you surrender your Florida registration.

In addition your insurance policy must be delivered by an insurance company or agent licensed by the Florida Department of Insurance.

Even if you live outside of Florida, if you use a vehicle in Florida for more than 90 days within a year then you must have a Florida insurance policy. If you move to Florida on a permanent basis then you have to have a Florida policy. The policy you hold that was issued in the state you are moving from cannot be transferred. This is normally not a problem as most reputable insurance companies operate country wide and can therefore issue a Florida policy

Property damage liability coverage is designed to pay for any damage to other people’s property caused by you or a member of your family.

Likewise, personal injury protection pays for injuries to other people as a result of an accident caused by either you or a member of your family. Vehicles used for public transport (such as taxis) must carry Bodily Injury Liability coverage of $125,000 per person, $250,000 per occurrence and $50,000 for property damage liability coverage.

These are the minimum requirements in Florida and, to be honest, not very realistic in today’s world. Many insurance advisors would suggest that these figures are doubled and coverage extended to pay for your legal costs should you be sued.



By: Colin R Cherry

About the Author:

Radford

March 10, 2008 • Tags: Department Of Insurance, Florida Insurance, Property Damage Liability • Posted in: Florida Insurance • Comments Off

(Submitted by: Typhon)


I got into a car accident, where the total damages are $12000, in Ocala, Florida. I declined the car insurance offered by Dollar Rent a Car. I have been bankrupt since 2004. I rented the car with a Mastercard. There is no way that I can pay this back, as I am already living paycheck to paycheck.

March 10, 2008 • Tags: Car Insurance, Dollar Rent A Car, Rent Car • Posted in: Florida Insurance • Comments Off

If you are in the market for a good health insurance company in Florida, then you should consider yourself lucky since there are so many of them available. With increasing competition there are many Florida health insurance companies, fighting for their share of the market. Choosing the right one can be quite a daunting task indeed. The internet thankfully is a useful aid in your quest for the right Florida health insurance plan.

There are many online Florida health insurance companies that come to you with a host of offers and options for your entire family. The internet is one good source to learn about Florida health insurance plans and the different options available to you. Go through as many web sites as possible. There are scores of web sites which give comprehensive information. Moreover it is very convenient to get rates through online resources once you have decided to go in for a Florida health insurance plan, you should make sure that you thoroughly analyze your needs. This would also mean a hassle free health insurance experience.

Consider as many Florida health insurance companies as possible during your initial search phase. One person who can help you out with your search would be your insurance agent advisor. They may be in touch with several insurers and may be able to guide you in your search for the right Florida health insurance company. They would also offer your honest and valuable advice on the various Florida health insurance plans that are available.

Make sure that you obtain all the available cost information from your Florida health insurance company. Analyze your paying capacity and find out what is that you can afford as a premium for your Florida health insurance and find out in detail about every kind of cost involved in a health insurance plan. Get to know all the possible information from the different insurers and agents you may be dealing with. This enables you to compare and then arrive at the best Florida Health Insurance Company and plan.

Ask relevant questions and clarify all your doubts. You should be able to elicit proper answers to his/her queries from the Florida health insurance company. Try and find out from each insurer the list of present plans and find out which is the most popular plan going around currently.

Choose a Florida insurance company which meets your needs and circumstances the best, since you will be dealing with the home loan company for a reasonably long period of time. It is always best to go through referrals as far choosing a reputed Florida health insurance company is concerned. A good health insurance company would have been in the business in Florida for a substantial period of time. They should be enjoying a great deal of goodwill in the market among people of Florida. Make sure that your Florida health insurance company is licensed to operate in the state. This is a good way to find out about the credentials of a Florida health insurance company.

Another good source that can help you out with your Florida health insurance plan would be some of your friends or even family members. They may have already availed health insurance plans from different health insurance companies in Florida and therefore be in a position to offer you honest advice.

If you are going to shop for an insurance plan on the Internet, be sure to check out www.FloridaHealthInsuranceWeb.com. They were voted the #1 health insurance consulting firm in the beautiful state of Florida.

Florida Health Insurance Broker can help you!

Florida Health Insurance Agency



By: Morgan Q. Moran

About the Author:

Tom

March 8, 2008 • Tags: Daunting Task, Health Insurance Company, Online Insurance • Posted in: Florida Insurance • Comments Off

For years State Farm Florida Insurance Company has remained one of the few Fortune 500 homeowners insurance companies still doing business in Florida. It is still by far the largest private insurance company in the state for both homes and autos covering 1 million and 2.5 million policyholders respectively.

They deserve credit for that.

After all, following the billions in claims from Hurricane Andrew in 1992, many large insurance companies simply left the State of Florida for good - and never looked back. That left Florida to deal with the problem on its own and caused it to create its own state run insurance company of last resort to help those who simply could not find coverage.

State Farm Florida Insurance Company did not follow this approach.

It has taken a prudent approach to the market that has been present in Florida since Hurricane Andrew. These steps have included:

Strict underwriting criteria for homes selected for new business

Multiline discounts for policyholders with home, auto, and life coverage

Selectively cancelling higher risk older homes closer to the coastline

This approach might have been successful during normal, reasonable periods of history. But things in Florida have been anything but reasonable in recent years:

From 1992 to 2004, no large insurance companies re-entered the Florida home insurance market - leaving State Farm on its own.

Florida hurricane claims in 2004 and 2005 caused billions of dollars in damage. State Farm Florida paid millions in claims and had to request an emergency cash infusion from its parent company to recapitalize it.

While the company was able to get significant rate increases after the 04/05 hurricanes, massive rate increases granted to most of the companies in Florida in 2005 and 2006 caused a major political uproar. Quite honestly, the public demanded rate relief because Florida home insurance was simply not affordable.

The pressure for lower rates was far worse due to outrageous property taxes and the collapse of the Florida real estate market.

The State of Florida reacted to voter pressure. But the results were not impressive.

The 2007 and 2008 legislation had a minimal effect on lowering homeowners insurance rates and shifted billions of dollars in catastrophic risk to the Florida Hurricane Catastrophe Fund - a state entity that has publicly stated that it can’t meet its reinsurance obligation to insurance companies in part due to the frozen bond markets.

As a result, all companies including State Farm Florida are concerned that the Florida Cat Fund won’t be there to pay them back after a major hurricane and are looking for new sources of backup reinsurance.

That, combined with other factors led the company to request a 47% rate increase a few months ago. After state regulators rejected the rate increase, the company appealed that decision in court. Recently a judge agreed with state regulators that State Farm’s 47% rate increase was not justified and also rejected the rate increase.

This brings us to where we are today - a time when many Floridians have to be wondering if State Farm Florida is preparing to exit the state for good. This would not be welcome news and would cause a major shock to the Florida homeowners insurance market as policyholders scramble to find other coverage.

In today’s uncertain times, you have to be ready to face realities. One of those might be that State Farm will cancel or drop your homeowners insurance coverage in Florida. If that happens there are several things you need to do to respond to this:

Shop your policy. Most State Farm Florida agents can only offer you homeowners coverage with Citizens after your policy is cancelled. Find a large independent agent who represents multiple companies in order to give you the best options for replacing State Farm Florida.

There are new Florida base regional insurance companies that have been created over the past 15 years, with many only being recently approved since the start of 2006. Some of these companies might be a good option to replace State Farm but you have to research each and every one of them. Check their financial ratings and customer service history thoroughly.

State Farm Florida insurance agents will be hurt by mass cancellations of home insurance policies. They have spent years building a book of insurance business in Florida. When they lose your home insurance business, they often lose your auto and life insurance business as well. While you can’t help but be sympathetic, you need to know that it is in your agent’s self interest to keep your auto and life insurance business while putting your home insurance coverage into Citizens Property Insurance. Don’t accept being placed with Citizens without looking for other private home insurance companies through other agents that can also offer you auto and life insurance.

Get all the facts if you are thinking about Citizens Property insurance. Citizens has said that it does not charge enough premium to cover the risk that it takes. It too is expecting problems borrowing to pay its claims after a major hurricane in today’s troubled bond markets. Major recommendations being presently considered at Citizens include raising rates, limiting coverage, and mandating certain home hardening measures. Do your home work on Citizens just like you would for any other company.

While we don’t know how the final situation with State Farm Florida will play out, if you follow these steps you’ll be way ahead of hundreds of thousands of policyholders that might be scrambling to get coverage all at once.



By: Michael Letcher

About the Author:

Frankie