GreatFlorida Insurance - Frank Cacella - Jensen Beach Insurance

Auto Insurance Quotes in Jensen Beach, FL

Frank Cacella, Agent

772-334-3347

1514 NE Jensen Beach Blvd
Jensen Beach, FL  34957
Fax : 772-334-3348

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What is Florida Auto Insurance?

It is a contract between you and your insurer in which you pay the b a certain amount of money and, in return, the company will protect you from major financial losses due to an auto accident for a given period of time.

Whether you currently own an automobile or are a prospective buyer in Jensen Beach, you can get a Free Auto Insurance quote today. 

Simply call 772-334-3347 or complete our online quote request form. A GreatFlorida Auto Insurance Agent will help you find the best deal for you in Jensen Beach.

Why Do You Need Auto Insurance?

Insurance is your protection against economic disaster should you cause an accident that results in property damage or injuries to other people. It can help cover repairs to your vehicle and related medical costs.

What does auto insurance cover?

  • Bodily injury liability coverage – Pays for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defense.

  • Property damage liability coverage – Provides you with protection if your car accidentally damages another person's property. It also provides you with a legal defense.

  • Medical payments, no-fault or personal injury coverage – Usually pays for the medical expenses of the driver and passengers in your car incurred as a result of a covered accident regardless of fault.

  • Uninsured motorist coverage – Pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, underinsured motorist coverage is also included. This is for cases in which the at-fault driver has insufficient insurance.

  • Comprehensive physical damage coverage – Pays for damage to your car from theft, vandalism, flood, fire, and other covered perils.

  • Collision coverage – Pays for damage to your car when it hits or is hit by another object.

Can I get coverage with speeding tickets on my record? What about accidents or a DUI?

Yes. GreatFlorida Auto Insurance Agency owners understand that not everyone has a perfect driving record. They represent insurance carriers specializing in your unique situation.

What is a deductible on my auto policy?

In the event of a claim, this is the amount you will have to pay before your policy pays.

What's the difference between comprehensive and collision?

Collision is the part of the policy that covers your vehicle against damage caused in an accident. Comprehensive covers your car for damages not caused by a collision. It also covers against named perils such as hurricane damage and theft.

What are the Florida state required limits for auto insurance?

Florida requires a minimum of $10,000 coverage for property damage and $10,000 coverage for Personal Injury Protection.

What is uninsured motorist coverage?

Coverage designed to provide protection should you be involved in an accident with a motorist who is at fault and has either no insurance or not enough to cover your medical expenses. Uninsured motorist coverage does NOT cover damage to your vehicle.

I just moved to Florida. Is coverage the same from state to state?

No. Each state has unique rules and regulations for auto insurance. It’s important to be aware of the differences here in Florida.

Do I have to turn in my out of state tags and get new ones from Florida?

Yes. Upon moving to Florida a driver has 30 days get a new registration on the vehicle.

What is the Florida Financial Responsibility Law?

The law that requires owners or operators of autos to provide evidence that they have the funds to pay for automobile losses for which they might become liable. Auto Insurance is the usual method for providing this evidence to the state.

What is the Florida No-Fault Law?

The Florida No-Fault law requires PIP (personal injury protection) be carried by owners of motor vehicles and imposes penalties for failing to do so.

Why should I buy my auto insurance from GreatFlorida?

  • Most customers save money because we offer some of the most competitive rates around.
  • You can reach us any time, day or night, any day of the year.
  • You deal directly with a local GreatFlorida Agent in Jensen Beach.
  • We help you settle your claims quickly and fairly.

Simply call 772-334-3347 or complete our online quote request form. A GreatFlorida Auto Insurance Agent in Jensen Beach will help you find the best deal for you.

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About Auto Insurance in Jensen Beach, FL

In the event of an accident, Auto insurance provides protection against monetary losses due to a car crash, as well as damages from a natural disaster or vandalism.

Jensen Beach, FL drivers are required to have a minimum of property damage coverage and personal injury protection. Frank Cacella at GreatFlorida Insurance Jensen Beach, FL, can familiarize you with legal requirements, additional coverage options such as bodily injury liability, collision, no-fault, uninsured motorist, comprehensive coverage and deductibles.

Frank Cacella at GreatFlorida Insurance in Jensen Beach, FL shops all the major carriers to find the best policy and the best rate. Easy, Low-Cost and Worry Free. That's the GreatFlorida Insurance promise.

Simply call 772-334-3347 or complete our online quote request form.

Florida Auto  Insurance Blog
by GreatFlorida Insurance
5/22/2019

Memorial Day this year is Monday, May 27. It’s time to fire up the grill and hang your American flag. Memorial Day is an American holiday, observed on the last Monday of May. It honors the men and women who died while serving in the U.S. military.

“Take a moment to give thanks and remember those who died in service to our country,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent auto insurance agency.

At 3 p.m., people are encouraged to stop for a moment of silence on Memorial Day.

What is opened and what is closed?

Most government offices and some private businesses are closed for Memorial Day. Banks, the U.S. Postal Service, the stock market and schools are closed or not in service. Most UPS and FedEx services are also unavailable that day. Trash pick-up varies, check your local provider. The DMV is closed, and courts are not in session.

Most stores are open on Memorial Day, however, Costco is closed. Good Housekeeping has complied a comprehensive list of retail and grocery stores, along with restaurants and fast food chains that are open.

Travel

Memorial Day also marks the unofficial start of summer and summer travel. AAA predicts this holiday weekend will see the most road-trippers on record with over 37.6 million hitting the road.

“Patience will be required with all the additional drivers on the road,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent auto insurance agency.

INRIX, a global transportation analytics company in collaboration with AAA, predicts drivers will experience the greatest amount of congestion on Thursday, May 23 and Friday, May 24 in the late afternoon as commuters leave work early and mix with holiday travelers. According to AAA, Orlando and Tampa are among the top 10 destinations for travelers to visit this Memorial Day weekend.

Whether your plans are to travel or stay home, GreatFlorida Insurance wishes you and your family an enjoyable holiday weekend! For all your car insurance needs contact us.

The post Memorial Day 2019- What You Should Know appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
5/8/2019

This year’s legislative session has come to an end. According to the Tampa Bay Times, lawmakers passed 195 bills of the 1,861 bills filed. Some bills were successful and for most of the others- there is always next year. Below are some highlights.

Winners:

Property Insurance Reform-Property insurance reform, commonly known as assignment of benefits (AOB). It will primarily limit attorney’s fees in disputes over assignment of benefits between insurance companies and contractors and authorizes policies that aren’t subject to assignment of benefits.

“After a long battle against insurance abuse, there is a victory,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent auto insurance agency.

The following are the bills provisions according to Insurance Journal.

  • Define “assignment agreement” and establishing requirements for the execution, validity, and effect of such an agreement
  • Prohibit certain fees and altering policy provisions related to managed repairs in an assignment agreement
  • Transfer certain pre-lawsuit duties under the insurance contract to the assignee and shift the burden to the assignee to prove that any failure to carry out such duties has not limited the insurer’s ability to perform under the contract
  • Require each insurer to report specified data on claims paid in the prior year under assignment agreements by January 30, 2022, and each year thereafter
  • Allow an insurer to make available a policy prohibiting assignment, in whole or in part, under certain conditions
  • Revise the state’s one-way attorney fee statute to incorporate an attorney fee structure in determining the fee amount awarded in suits by an assignee against an insurer
  • Require service providers to give an insurer and the consumer prior written notice of at least 10 business days before filing suit on a claim.

Texting- Texting while driving will now be considered a primary offense, meaning law enforcement can stop a motorist for just that offense. It is also illegal to use or hold your cell phone while driving through a school zone or construction zone.

Ride Share-Ride share services such as Uber and Lyft can provide non-emergency trips to the hospital for Medicaid patients.

Losers:

Personal Injury Protection (PIP)- A repeal to eliminate Florida’s no-fault auto insurance system, where drivers are required to carry personal injury protection coverage to help pay medical bills after accidents. “Each year an attempt is made to eradicate the old no-fault system and move to a bodily-injury coverage requirement, but it cannot get enough support from lawmakers, says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency.

Genetic Testing – Restricts insurance companies from using genetic testing information in selling policies or setting rates.

Sunscreen- Prohibits local governments from banning the sale of certain sunscreens.

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

 

 

The post Winners and Losers from the 2019 Florida Legislative Session appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
5/1/2019

Would you let your kid ride with a stranger? USA Today recently featured an article asking, “Parents, would you let your kid ride an Uber or Lyft by themselves?” Kids getting rides through ridesharing companies is a growing trend.

“Parents have an emergency arise or they cannot get away from work, so they turn to rideshare companies such as Uber or Lyft to help them transport their kids,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent rideshare insurance agency.

While some parents feel this is a helpful transportation alternative, other parents feel it is too big of a safety risk for their children. The trend also goes against company policies. Uber and Lyft require riders to be 18 or older to ride unless accompanied by an adult.

“While not as popular or widely available, rideshare services are available to transport kids in certain areas of Florida,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent rideshare insurance agency.

Below is a list of rideshare services specifically designed to transport children.

Care.com– they offer transportation services at an average rate of $12 per hour. Safety and screening are left up to the person hiring. They are available throughout the state.

Moms Helping Moms– this service is currently only available in Parkland and Coral Springs. They offer door to door service and provide transportation for ages 4-17. Drivers are required to complete a variety of courses and certifications to ensure child safety.

Bubbl– is expanding in to the Emerald Coast area with service between Pensacola to Panama City. They hire active or retired military, police officers, firefighters, nurses and first responders. Their vetting process includes in-person interviews, criminal background checks, drug tests and a motor vehicle review. The minimum rider age is 8. Rides can be booked by phone or app.

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. If you are looking for rideshare insurance, contact GreatFlorida Insurance today.

The post Ridesharing Services and Kids appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
3/27/2019

“Towing a boat may seem simple but it requires more than getting a trailer and hitch,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent boat insurance agency.

Improper towing can lead to tipping, unattached cargo and cause serious damage to suspension and braking systems as well as strain to your engine and transmission.

Make sure to avoid common boat towing mistakes before hitting the road. Below are tips from goboatingflorida.com.

Disconnected brake lights

Always check the electrical connector to make sure your brake lights, taillights and turn signals are all working. Have someone behind the boat while you tap the brakes and use turn signals to make sure they are working. Keep an extra trailer light bulb in your vehicle in case the light goes out. Keeping the electrical wires taut at the right length will stop them from dragging on the ground and disconnecting during turns.

Forgetting about what’s in tow

No matter how strong your tow vehicle is, it will be less responsive once a trailer is behind it. You won’t be able to accelerate, turn or brake as fast, so be sure to look up the road and give yourself extra time and space to change lanes or slow down.

“It’s a good idea to take a practice run before you hit the road,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent boat insurance agency.

Ignoring your vehicles tow specs

Before you plan a trip, it’s crucial to know how much your vehicle is rated to tow. Don’t forget it isn’t just about how much your boat weighs, it also includes how much gear and fuel you have inside the boat. Even if you’ve checked the weight limit, always keep an eye on your tire pressure and temperature gauge. Installing a weight distribution bar system can help smooth out the ride and properly tow up to your vehicle’s max capacity. It’s natural to assume that bigger is better but check your tongue weight before purchasing the bars. When you’ve set this up properly the load bars will be parallel with the frame of the trailer. If you notice excessive bouncing between your vehicle and trailer, your setup may be incorrect.

Using the wrong size ball hitch

It’s important to use the properly rated hitch ball for your towing system. Boat supply store, West Marine, explains, “The coupler mounts and locks on top of the hitch ball and articulates around the hitch ball. Recreational and light commercial hitch balls come in a variety of sizes including 1 7/8″, 2″, 2 5/16″ and infrequently, 3″. Lighter trailers generally use smaller hitch balls. The diameter of hitch balls is fairly standard, but shank diameters and the hitch ball weight ratings may differ. The rating of the hitch ball is just as important as the receiver hitch rating.”

Failing to secure gear

Make sure to secure fishing and ski equipment, life vests, seat cushions and coolers before heading out. Fasten down anything vulnerable to blowing out of your boat while traveling down the road.

Contact GreatFlorida Insurance today to get a quote for boat insurance today. Our offices are located throughout Florida for your convenience.

The post Common Boat Towing Errors appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
3/20/2019

Maintaining your car can require a lot of time and money. “Regular maintenance of your car can save you bigger car problems in the future” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s biggest independent car insurance agency.

In fact, AAA reports that most roadside trouble is a result of neglect from car owners failing to perform basic maintenance tasks. While some jobs are better left to the professionals, listed below are some simple and affordable tasks you can handle on your own.

Jump start your car

It can happen when you are on your way out, your battery is drained because you left on the lights. Simply jumping your car can get you back on the road.  It’s quick and easy. All you need is another vehicle and jumper cables. To start, turn off the engine on both cars. Grab jumper cables. Connect the positive (red) clamps to the positive terminal, one on each car battery. Throughout this process, do not let the jumper leads come into contact. Attach one negative (black) clamp to the negative terminal of the working car. Attach the other black clamp to an unpainted metal surface on your car that isn’t near the battery. Start the engine of the working car and wait five minutes. Then start your car. Do not turn off your engine.

Replace windshield wiper blades

Wipers should be replaced every six to eight months. You can pick them up at an auto parts store, online or a big box store. The store should have a manual telling you the type of wipers you need based on your car model and make. It is as easy as sliding them off and on, directions are included.

Checking car fluids

Fluids such as engine oil, brake fluid, wiper fluid and radiator coolant are essential to your vehicle’s function. Consult your owner’s manual to know how often to check your fluids. Park your car on a flat level surface and set the parking brake. Remember, always allow time for the engine to cool off before opening the hood. Many fluid levels can be checked using the dipstick included or checking the fluid reservoir.

Check tire pressure

Maintaining proper tire pressure gives your tires greater longevity, quicker steering response, a smoother ride and better fuel efficiency. Tiremaker, Bridgestone has the following recommendations for checking your tires. Gather the following items, a tire pressure gauge and air compressor. You can use an air compressor found at most gas stations. Check your car manual to find the recommended PSI (pounds per square inch of pressure). Check the tire pressure with your gauge. You can do that by removing the valve cap from your tire. Then place the pressure gauge on the valve stem and press down hard enough so the hiss sounds disappears, and your gauge provides a reading. With a standard gauge, the air pressure will push a small bar out from the bottom of the gauge. Measurement units are etched into the bar. A digital gauge will show you a reading on the screen. After checking each tire, fill to the correct PSI and repeat every month.

“For peace of mind, GreatFlorida Insurance can always sign you up for Emergency Roadside Service with your car insurance,” says Ellsworth Buck.

The post DIY Car Maintenance appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
3/13/2019

Recently in Pasco County, some inmates helped rescue a baby locked inside a vehicle. The parents of the child accidentally locked her in the car, leaving their keys on the front seat. A Pasco County Sheriff’s Office Inmate supervisor and five low-risk offenders repairing a parking lot meridian nearby offered to help. With a coat hanger and a special, “skill set” the inmates were able to open the door and retrieve the child.

“Thankfully the parents realized immediately the baby was in the car,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent car insurance agency.

While it seems unfathomable, people leave their children behind in the car several times a year. In 2018, over 50 children died in hot cars according to safety advocacy website, Kidsandcars.org.

The website highlights University of South Florida Psychology Professor, David Diamond’s work on why people forget and leave a child behind in a car. He explains it has to do with the complex functions of the brain. He states that the problem is the failure of prospective memory, the process by which the brain remembers to do something in the future. Professor Diamond says, “The brain memory systems that fail when people forget children in cars are the same as those systems that cause us to forget to shut off the headlights when we arrive at a destination.”

Several brain processes are involved with leaving a child in the car. Many factors can disrupt these processes such as stress, interruptions, multitasking, and sleep deprivation. Also, Professor Diamond points out, the lack of visual or verbal reminders increase the chance of a child being left in the car.

The National Highway Traffic Safety Administration reports heatstroke is one of the leading causes of non-crash-related fatalities among children. When a child is left in a hot car, their temperature can rise quickly.

“Children suffer heatstroke even if they are left in the car for a few minutes,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent car insurance agency.

Children are vulnerable to heatstroke. According to the National Highway Traffic Safety Administration the following are some facts about kids and heatstroke.

Kids aren’t built for heat: A child’s body temperatures rises 3-5 times faster than an adult.

Every minute counts: The temperature of a car can climb 20 degrees in 20 minutes.

It doesn’t have to be hot: Heatstroke can occur in the shade, with the windows down, and even at temperatures as low as 57 degrees.

The post Children Left in Cars appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
2/27/2019

Longing for an adventure- to get away from the grind? A place with great views, all within your budget. It might be closer than you think.

The RV Industry Association(RVIA) saw record sales for 2017.  More than 10.5 million households own at least one RV. In fact, half of all new sales were to Americans 45 and under.

“This alters the profile of RV travelers being older, retired couples,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s biggest independent RV insurance agency.

The appeal of traveling in an RV includes, the convenience of traveling with kids and pets, unplugging, the outdoors and affordability. Do not think you have to surrender creature comforts because you are camping. RV’s come equipped with satellite TV, hardwood floors, a dishwasher,  a washer and dryer, even a fireplace.

Full-time RV living

Living in an RV is not everyone’s idea of an epic adventure. However, a growing number of Americans are ditching their mortgages for life on the open road. “It might seem crazy to trade your home for an RV but many find it inspiring,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent RV insurance provider.

RVIA reports a million Americans live full-time in RVs. Some RVers choose this lifestyle for financial reasons. However, many are looking for a change. They give reasons that range from spending more time together as a family, or wanting a more simplistic way of living, while they all want to explore the country. Going from place to place and living on the road seems isolating. But many report forming a network of friends within the RV community.

So, how do these  constant travelers make money? Many full-time RVers have jobs that allow them to work from the road. Some are living off their retirement savings and Social Security. The Washington Post reports a variety of options to fund  travels by cleaning campsites, harvesting on farms or vineyards, or filling in as security guards. Also, people find work through word of mouth, on Workapmer News or Facebook groups such as Workampers. Amazon and J.C. Penny are among the companies with programs specifically designed to recruit RVers to help at warehouses during peak holiday season.

If you decide to join the millions who own ad RV, contact GreatFlorida Insurance  for auto insurance and RV insurance.

 

The post RV Life appeared first on The GreatFlorida Insurance Blog.