GreatFlorida Insurance - Jeff Starkey - New Port Richey Insurance

Uber Insurance Quotes in New Port Richey, FL

Jeff Starkey, Agent

727-376-0558

4613 Little Rd
New Port Richey, FL  34655
Fax : 727-376-0879

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Driving for app based transportation companies is rapidly increasing in popularity. Whether you drive full-time for a rideshare company such as Uber or Lyft, or it is the source of additional income, make sure you are covered.

GreatFlorida Insurance is offering rideshare insurance to meet the growing demand from rideshare drivers for full coverage.
GreatFlorida Insurance is one of the few insurance companies in Florida to offer rideshare insurance. We make sure you, your passengers and your vehicle are protected while driving.

Our company offers a rideshare endorsement to supplement your auto policy. It fills in coverage gaps while driving for a rideshare company and keeps you covered while you drive for personal use.
Give us a call today at 888-478-7801 to discuss GreatFlorida rideshare insurance and speak to an agent in your area.

FAQ’s

Doesn’t the rideshare company’s insurance cover me while driving?
Uber and Lyft provide a $1 million insurance policy while a passenger is in your vehicle. It serves as your primary insurance during this time. The same coverage is not extended to drivers while you are logged into the app without a passenger.
Policies vary between the different rideshare companies, especially during the time when you are logged into the app but have no passenger in your vehicle.

Coverage Gap
Just because you are signed into the rideshare app does not mean you are covered. The time between logging into the app and a passenger entering your car, you could be uninsured or underinsured. This is considered a coverage gap.
While logged into the app, accepting a job, driving to a passenger and waiting for them to enter your vehicle, your personal car insurance is responsible for damages. During that time many rideshare companies have a policy that is “contingent,” making it a gray area.

Doesn’t my auto insurance cover me?
Most drivers with auto insurance have a personal auto insurance policy. It is intended for personal use not for commercial driving or driving-for-hire.
Unfortunately, personal auto insurance companies would be likely to deny your accident claim. When you are logged into a rideshare app, insurance companies consider that as driving-for-hire, so it would fall into the commercial driving category.

What if I do not make changes to my auto policy?
If your auto insurance discovers you are using your vehicle for profit, such as ridesharing without proper insurance, they can set the policy to cancel or non-renew. 

Additionally, should a claim occur while a driver is logged into the rideshare app and they do not have rideshare insurance, their claim can be denied by their auto insurance company.

Commercial auto insurance is also available to drivers who participate in rideshare but it can be more expensive and limiting when it comes to personal use. That is why GreatFlorida Insurance offers rideshare insurance, as a less expensive option to supplement your personal auto policy, while covering the gaps a rideshare company doesn’t cover.

Accidents are inevitable. Make sure you are covered during personal use and while ridesharing with GreatFlorida Insurance’s rideshare insurance.
If you are a rideshare driver, agents at GreatFlorida Insurance can make sure you get the proper coverage for you and your passengers. Contact us today to discover all the auto insurance options available for you.

Simply call 727-376-0558 or complete our online quote request form. A GreatFlorida Auto Insurance Agent in New Port Richey will help you find the best deal for you.

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by GreatFlorida Insurance
7/26/2017

Starting in August, the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) will begin issuing a new Florida driver’s license and ID card.

“As a matter of fact, the last update to the cards was 2003,” points out Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency.

Updates to the card will offer a new look and feel, along with increased security. The makeover is an effort to nearly double the protection against fraud. “The new credential provides Floridians the most secure over-the-counter card on the market today,” claims FLHSMV.

The new card also conforms to Homeland Security’s REAL ID Act. REAL ID is a coordinated effort by the states and Federal Government to improve the reliability and accuracy of state-issued identification documents. This is turn, should inhibit terrorists’ ability to evade detection by using fraudulent identification.

new-dl-fraud-protection

The new driver’s license and ID card are unique to Florida. The card front incorporates a pastel colored linear rendering of the Florida state seal and a large orange “FL” over a stark white base. On the back of the card, an image of the state of Florida rests among ocean waves and the year 1845 is displayed. This refers to the year Florida became the 27th state in the Union.

Additional features include, photograph images that are printed with a transparent background and appear in four locations on the card. Differentiating head colors across the top will make it easy to determine what type of license each person owns. The blue font indicates a commercial driver’s license, a green font is a driver’s license, red font is an ID card and the orange font is across the learner’s license.

Plenty of new characteristics doubling as fraud protection measures include; redundant data, ultraviolet (UV) ink and optically variable data features. Also, the new design incorporates designations for lifetime sportsman, boater, freshwater, saltwater and hunting licenses as well as designations for veteran, organ donor, deaf/hard of hearing and developmentally disabled and more.

Those under 21 will find a red box on the front of their card that indicates the date they reach the legal drinking age.

For now, the new cards will be available at select service centers. The agency reports by the end of 2017, new credentials will be available at all service centers thought the state and online. Previous driver’s license and ID cards will still be in use alongside the new cards until it is replaced or phased out.

Floridians are only required to replace their current license of ID card if it is expired, or a name change or address change is needed. “Driving with an expired driver’s license can carry a fine, probation, suspended license and an increase of your insurance rates,” reminds Buck with GreatFlorida Insurance, Florida’s leading independent auto insurance agency. So, make sure you do not let your driver’s license expire.

Contact GreatFlorida Insurance today for all your auto insurance needs.

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The post Florida driver licenses get a new look appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
7/19/2017

Does yours make the list?

“A vehicle is stolen in the U.S. every 45 seconds,” reports Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent car insurance agency.

The National Insurance Crime Bureau (NICB) recently released their annual “Hot Wheels” report. It identifies the 10 most stolen vehicles in the United Sates.

Here are the top 10 most stolen vehicles in the U.S. in 2016, (the model year most stolen is in parentheses).

  1. Honda Accord (1997)
  2. Honda Civic (1998)
  3. Ford Pickup, full size (2006)
  4. Chevrolet Pickup, full size (2004)
  5. Toyota Camry (2016)
  6. Nissan Altima (2015)
  7. Dodge Pickup, full size (2001)
  8. Toyota Corolla (2015)
  9. Chevrolet Impala (2008)
  10. Jeep Cherokee/Grand Cherokee (2000)

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Honda Accords and Honda Civics make-up 42 percent of all top 10 thefts. These are mainly older, pre-“smart key” models. Honda has also equipped their more recent models with other anti-theft technology, greatly reducing the number of newer Civics and Accords from being stolen. Consequently, car thefts in general are down since their all-time high in 1992.

Surprisingly, the report reveals thousands of cars are stolen every year for a rather careless reason, because owners leave their keys or fobs in the vehicle. “Most vehicles are stolen from driveway’s,” says Buck with GreatFlorida Insurance, Florida’s top independent car insurance provider.

The Polk County Sheriff’s Office provides the following tips to keep your vehicle from being taken.

Never leave your car running while unattended, even for a couple of minutes.

Always lock your car and take your keys with you.

Close your windows and sunroof completely.

Do not keep an extra set of keys in a “hiding place.”

When possible park your car in a locked garage or well-lit area.

When selling a car, never let a stranger take it for a test-drive

Drop your business card or a return address label down into window channels for later identification.

Florida law requires that you have your license and registration with you in your vehicle, make a copy for you and other drivers and keep it in your wallet instead of your glove box. Some people who have their cars stolen also become victims of residential burglaries.

If your car is stolen, do not panic. Call your local law enforcement agency and your insurance agent. GreatFlorida Insurance can handle all your car insurance needs from the basics to full replacement costs.

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The post Top most stolen cars appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
7/5/2017

The Florida Department of Agriculture and Consumer Services report they have found and removed 276 credit card skimmers from gas pumps so far, this year.

“Credit card skimmers are a lucrative business,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency.

Skimming devices are often placed on ATMs and gas pumps to record bank and credit card information of unsuspecting users.

The Department of Agriculture and Consumer Services provide the following tips to avoid credit card skimmers at gas stations.

Pay in cash inside the store to ensure your credit card information stays safe.

Check to make sure the gas pump dispenser cabinet is closed and has not been tampered with.

Use a gas pump closer to the front of the station. Thieves often place skimmer at the gas pumps farther away from the store.

Use a credit card instead of a debit card. Credit cards have better fraud protection and the money is not immediately deducted from an account.

If using a debit card at the pump, choose to run it as a credit card instead of putting a PIN number in, to keep the PIN number safe.

Monitor bank accounts regularly to spot any unauthorized charges.

Consumers who suspect their credit card number has been compromised should report it immediately to authority and their credit card company.

“These crimes are often committed by crime rings that stand to make hundreds of thousands to millions of dollars off the crime,” says Buck from GreatFlorida Insurance, Florida’s top independent auto insurance agency.

So, how do they work?

The Palm Beach Post reports, thieves obtain a universal gasoline pump key that unlocks most of the nation’s gas pumps. A small device is then installed inside the pump’s cabinet.

Cyber security expert, Brian Krebs explains, “Most internal, modern pump skimmers are built to record data on a storage device that can transmit the data wirelessly via Bluetooth technology.” Some thieves can even receive the stolen information via text on their mobile devices. Once they have your stolen credit card information they often make counterfeit cards or sell off your credit information.

GreatFlorida Insurance provides affordable auto insurance to suit the right amount of coverage you need. Contact us today.

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The post Credit card skimmers are on the rise at gas stations appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
6/22/2017

An unusually active hurricane season has gotten off to an early start this year. The National Oceanic and Atmospheric Association (NOAA) has made their predictions for the Atlantic hurricane season. The season occurs  from June 1 – November 30. NOAA  believes 11-17 storms will be named. Five to nine storms will become hurricanes and two to four will develop into major hurricanes.

Many Floridians have proper supplies and food in preparation for a storm, but what about the car? “The majority of damage done to vehicles during a hurricane or tropical storm is from wind and water,” reports Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent car insurance agency.

FINAL 0523 Hurricane Graphic_pie chart-700x400

Incidentally, water damage can total your car. To prevent your car from damage here are some tips from Ready.gov:

If possible, move your car into a garage or covered area before a storm.

Have a full tank of gas if an evacuation is possible.

If you are caught in your car during a storm and the water is rising, move out of the car and get to higher ground.

Do not drive through a flooded area. Six inches of water can cause a vehicle to lose control and possibly stall. A foot of water will float many cars.

Be aware of areas where floodwaters have receded. Roads may have weakened and could collapse under the weight of a car.

Before the next storm ramps back up, make sure you have the proper car insurance in place.  Collision covers your vehicle if it is hit or if it hits anther object including a car. During a storm, you can easily lose control of your car and crash.

“Comprehensive coverage includes flood damage,” says Buck with GreatFlorida Insurance, Florida’s leading independent car insurance company.

Before you file a claim with your insurance company, take note of any electrical problems, rust, upholstery discoloration and staining, brittle wiring, silt and mud inside the vehicle and mildew or mold from moisture.

Additional assessing of your vehicle includes, checking the oil indicator. If it is too high, there may be water in your engine. You do not want to start your car because it can cause damage. Also, determine how long your car was submerged and how deep the water was. Was it fresh or saltwater? Fresh water is less damaging. By the way, warmer weather after a storm can accelerate corrosion.

If you are looking for affordable car insurance, check out GreatFlorida Insurance today.

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The post Is your car storm ready? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
5/17/2017

It was a busy legislative session in Florida this year. State legislators filed about 1,900 bills. Only 12.6 percent, or 234 bills, were passed by both the House and Senate chambers, according to the Tampa Bay Times.

“The fewest in at least 20 years,” reports the Sun Sentinel.

“There were three insurance related bills, whether you support them or not, all of them failed,” reports Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s biggest independent auto insurance agency.

Listed below are other successful and unsuccessful proposals politicians had to consider in 2017.

 Passed

$82.4 billion state budget approved

A plan to build reservoirs south of Lake Okeechobee to treat polluted water before it flows downstream into Florida Bay. This is in response to toxic algae blooms.

Grocery stores and big box stores such as Walmart and Target can sell liquor.503073214_19256215_8col

Ride-sharing companies such as Uber and Lyft cannot be regulated by local governments but establishes statewide requirements for insurance and background checks.

Boat owners who have locator beacons will receive boat registration fee discounts

Parents and school district residents will have an easier time challenging educational material used in classroom instruction or school libraries, including books, pamphlets and presentations a parent finds objectionable, offensive or inappropriate for the age of the student.

More support for students to express their religious beliefs in public schools, while requiring school districts to adopt policies allowing “limited public forums” for students to pray at school events.

 

Failed

The repeal of PIP, personal injury protection as part of car insurance. “A repeal would lower the costs for people who currently carry bodily injury protection as part of their car insurance, but increase it for people with policies covering the minimum,” says Buck with GreatFlorida Insurance, Florida’s top independent car insurance agency.

A bill to repeal Florida’s red light camera law

A requirement that first time DUI offenders have an ignition interlock device installed in their vehicle.

Ban on the use of disposable plastic bags.

Cities and counties cannot pass new regulations on private homes used as vacation rentals such as Airbnb and HomeAway.

Assignment of Benefits-Changes a policy that allows homeowners in need of property repairs to sign over benefits to contractors, who then pursue payments from insurance companies, to curb litigation claims.

Call GreatFlorida Insurance for all your auto insurance needs. We can craft a policy to suit your needs. Contact us today.

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The post Winners and losers from the 2017 Legislative Session appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
4/27/2017

After spending a good amount of money and time planning your ideal trip you might be thinking of  purchasing travel insurance. But, you might already be covered.

Homeowners insurance, renters insurance, auto insurance and medical insurance follows you on vacation,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent homeowners insurance provider. That includes; rental cars, illness, stolen items, lost luggage, accidental injuries and property damage. Before you buy travel insurance, check your policy and see what is currently covered. You want to avoid paying for insurance coverage beyond what is necessary.

Medical coverage

Your current health insurance policy could provide adequate coverage on your travels. Check coverage in the area you are headed. You might be surprised to find doctors and facilities that accept your health insurance even overseas.  The U.S. Department of State urges international travelers to make sure they have health insurance where they are traveling. Many foreign doctors and hospitals require cash payment and emergency medical evacuation can cost up to $100,000. Also, Medicare is not available outside of the country.

While illness is covered during your travels, a pre-existing medical condition might not be. This is a detail you will need to review with your insurance agent.

Lost or stolen items

It is a pain to arrive at your destination without your luggage. The U.S. Department of Transportation limits lost baggage claims to $3300. Keep in mind, airlines account for depreciation of your stuff so if you are traveling with golf clubs or pricey camera equipment you might want to make sure your luggage is covered. Stolen items and lost luggage are reimbursed under your homeowners insurance and renters insurance policy.

“Make sure to know your insurance coverage deductibles and limits before taking off on vacation,” says Buck with GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

Rental cars

Auto insurance will extend to a rental vehicle. If you cause an accident while driving a rental car, the liability portion of your auto insurance would cover the damages to other cars or property.

Travel insurance

One of the most common misconceptions about travel insurance is the idea that you can cancel for any reason and be reimbursed. Travel insurance will reimburse you on a majority but not all expenses. Like other insurance policies, the amount you pay for travel insurance will depend on a few variables. The type of coverage you choose, how many people are traveling in your party, age, destination and the length of travel. You can expect to pay 5 to 15 percent of the cost of our trip. The deductible amount is usually $200.

Make sure you are not paying for insurance you already own. Check out your current health insurance, auto insurance, renters insurance and homeowners insurance policy to see how much you are covered for while on vacation.

Contact GreatFlorida Insurance for all your insurance needs today.

 

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The post Are you insured on vacation? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
3/22/2017

Harsher penalties are looming for first-time drunk driving offenders.

A Florida bill (HB 949) that requires an ignition interlock device installed in a driver’s car after their first drunk driving conviction has passed its first committee in the Florida House of Representatives. On Tuesday, it passed through the Transportation and Infrastructure Subcommittee. The bill must pass through two more committees before reaching the House floor.

“The motive behind introducing a bill like this is to prevent drinking and driving while keeping others safe, says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent car insurance agency.

InfographicStat-67reductionInRepeatOffenders

Current law only requires first-time DUI offenders to install an interlock device if the person had a .15 percent blood alcohol content or more, or if a minor was in the vehicle.  Also, devices are mandatory for offenders with multiple DUI’s.

Drivers required to install a device must contact an approved vendor for installation. The cost to lease a device ranges from $50 to $100 per month.

“Damages from DUI’s come in at over $50 billion year,” says Buck with GreatFlorida Insurance, Florida’s top independent car insurance agency.

In order to understand how it works, a driver blows into the device and it measures a person’s breath alcohol content. The IID only allows the vehicle to start if their blood alcohol content is below the legal limit.

Opponents worry the legislation could be too harsh for first time offenders. However, The National Highway Traffic Safety Administration (NHTSA) reports about one-third of drivers arrested or convicted of drunk driving are repeat offenders.

On the other hand, supporters feel the bill will help save lives. According to Mothers Against Drunk Driving (MADD) a drunk driver has driven drunk 80 times before their first arrest. MADD supports the use of ignition interlock devices. They believe that suspending the license of these drivers makes sense. Unfortunately, three out of four of those with a suspended license continue to drive.

GreatFlorida Insurance is aware, everyone makes mistakes. Not only do we provide quality car insurance, but we also offer SR-22 insurance and FR-44 insurance. Contact us today.

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The post DUI ignition interlock bill gains momentum appeared first on The GreatFlorida Insurance Blog.