National Impaired Driving Prevention Month

National Impaired Driving Prevention Month

National Driving Impaired Prevention Month

In the month of December, a handful of organizations have banded together to bring social awareness to impaired driving in the United States. The organizations that have deemed this month: “National Impaired Driving Prevention Month”

The Organizations involved in this alliance include:

  • National Highway Traffic Safety Administration
  • U.S. Department of Transportation
  • White House’s Office of National Drug Control Policy
  • U.S. Department of Health
  • Human Service’s Substance Abuse and Mental Health Services Administration

More vehicular related deaths occur during the holiday season than any other time of year making it the clear choice that December was chosen as the awareness month to prevent impaired driving on American roadways and especially within the State of Florida.

Drunk driving, one of many possible impairments while behind the wheel of a car, contributes to a third of traffic fatalities. According to data collected in 2018, the last week of the year drunk driving fatalities increased to half of all traffic fatalities in the United States and almost laterally to the statistics in the State of Florida.

In 2021 there were over 10,000 deaths due to impaired driving across the United States; out of those 799 deaths occurred on Florida roadways.

The most dangerous cities on Florida Roadways are two of our top travel destinations: Orlando and Daytona. In 2016 Orlando was ranked as the 6th most dangerous city in Florida and Daytona ranked the 9th, according to data published by FLHSMV.

If you’re caught, or worse, involved in an accident while driving under the influence of drugs or alcohol in Florida you are subject to some strict penalties including fines, fees and possible jail time. You’re also, as always, responsible for your third-party Bodily Injury Liability that could arise from an incident on a Florida roadway which could directly translate to a lawsuit. The average amount spent on the costs associated with a DWI/DUI in the State of Florida in 2022 is $14,000 for one driver caught driving under the influence without considering the possibility of an injury or accident. 

In addition to the costs, your license would most likely become suspended or revoked and you’d end up needing to take specific advanced driver education within Florida and be forced to carry a Florida FR44 for 3 years from the date of the conviction. 

What is a Florida FR-44?

An FR-44 certificate is a notice to the State of Florida’s FLHSMV that you’ve obtained the proper coverage to be legal to drive on the roadways, with insurance supervision from the state officials. The FR44 is a requirement for people with severe driving offences, such as a DUI/DWI conviction occuring on a Florida roadway. An FR-44 requires higher liability coverage than a SR-22 which is only a $10,000 per person liability requirement to the Florida DMV or FLHSMV. The cost range is typically $600-$2000 every 6 months for a non-owner policy (like if you need the Florida FR-44 Filing but you don’t own a vehicle) and can range in cost between $700-5000 (sometimes more if your car needs physical damage coverage) every 6 months for the required $100,000 per person liability on the Florida FR44 as a vehicle owner. If your license has been suspended and you then become convicted of a DWI in Florida, an FR44 certificate is required in order to reinstate your license and must be maintained continuously without lapse for 3 years.

In the month of December you can display a blue ribbon to bring awareness to impaired driving on the Florida roadways. 

Are you interested in more information on how to prevent impaired driving and what you can do as a consumer and citizens?

Do you need assistance with your Florida FR-44 Insurance filing? If you’re in the market for new FR44 quotes, rates, a new policy or information, call 321-218-3880, extension 6 to speak with Allie Horblitt. 

Allie Horblitt, Insurance Agent with Barefoot Insurance Brokers, works out of both the South Florida and Central Florida offices and can write Florida FR44 Insurance across the state, but specializing in Car insurance coverage in Duval County, Nassau County, Jacksonville, St Johns County, St Augustine, Yulee, all through the Space Coast and the Greater Tampa Area. 

Personal Property Inventory List: “The Importance and how to create a Schedule of Property”

Personal Property Inventory List: “The Importance and how to create a Schedule of Property”

Personal Property Inventory List: “The Importance and how to create a Schedule of Property”

Inventory list

Do you remember the serial number on the back of your TV? How about where and for how much money you bought your gaming computer? What about the details surrounding that magical day you asked your girlfriend to be your wife? What was the value of her engagement ring? The clarity of the diamond? Where it was purchased?

Even cherished memories of our purchases may fade. Without receipts or appraisals or perhaps even a list of your personal property, how do you track the details for your Florida Homeowner’s or Renter’s Insurance provider in the event of a loss?

But what happens if those beloved items are lost or damaged? When submitting a claim for personal property an insurance company can provide apps to curate a list at the time of your insurance loss, or you could go about it in your own way, pen and paper or an Excel doc as another option. There are many tools online to help you create a detailed list of personal or business property so that you aren’t left with nothing at the time of an insurance claim.

Once you’ve chosen how to log the information and create a schedule of your belongings, whether it is digitally or handwritten, you’ll want to organize it for functionality in the event of an insurance loss. From there you can further organize it into items by room, perhaps. An easy way to make sure everything is categorized in a familiar way is to determine how you’re organizing your personal property on the schedule. You can organize by value, or by type (electronics, jewelry, furniture, etc).

As you go from room to room, the details of the valuable items you will put on your list should be:

  – What the item is, with its make, model, serial number and purchase price.

  – Where you bought the item and what it cost. (Include receipt of copy of receipt)

  – Warranty Information

  – Photos of the item

What you choose to put on this list is up to you, you can be as detailed as listing everything, tables, chairs, curtains, TVs, picture frames, just list the high ticket items (Electronics, Jewelry, Art), items that are meaningful (Heirlooms) or a mixture of all the above.

If you created a digital list, print outs should exist to further back them up and they should be stored off-site, in a safety deposit box or perhaps a work filing cabinet or safe.

How about a video inventory of your belongings? That’s a very efficient way to log your personal property for your insurance company if you ever were to sustain a loss by theft or fire.

Doing walk throughs, getting close up of serial numbers and such is a great addition to your list! And of course, never forget photos of the items as well. Serial numbers and general photos to show the quality and condition of each item so that they are properly accounted for. 

Once you’ve made your list you should make a copy of it, both physically and digitally, one should be store at home and then one off property in the event of a total loss: safety deposit box or a loved one’s house. It’s advised to go over and update personal property list every 6 months or, in Florida, at the onset of hurricane season on June 1st or immediately after the holidays when you’ve done some purging and purchased new belongings.

Navigating the waters of your property insurance in Florida can be a daunting task. While having a personal property inventory is one step of the process, it’s also helpful to have a trusted insurance advisor to discuss coverages, deductibles, sublimits and additional insurance products that can “fill your gaps” and make you whole in the event of an insurance loss.

Don’t hesitate to reach out to Barefoot Insurance Brokers of Titusville today for quotes and information to secure your Florida Home, your property inside and outside of your home and your Central Florida Business. Call us at 321-218-3880 or email allie@barefootins.com for more information today. Allie Horblitt is a licensed insurance agent in Florida with over 10 years of industry experience who would love to help you with your new Titusville, Mims, Cocoa, Viera, Melbourne and Cocoa Beach Homeowner’s Insurance.

Small Business Growth in South Florida requires an Insurance Ally

Small Business Growth in South Florida requires an Insurance Ally

According to a May 8, 2019 Forbes article, Miami, Florida is the top city for small business growth in 2019, as ranked by Biz2Credit’s annual rankings. Why should you care? It means small business in Florida is booming!

(You can check out that Forbes article here.)

Now is the time to get out there and start up your electrical contracting firm, air conditioning repair outfit and every tradesman out there that’s down on their spirits about working for someone else.

Be your own boss and start your own business! If you need an Insurance ally along the way, Barefoot Insurance Brokers will be here for you regarding your Commercial Auto needs, your General Liability Insurance, Workers Comp, Property Insurance and Bonding.

We have 5 A Rated carriers to shop your commercial auto quotes with in Broward, Dade, and Palm Beach Counties. We can cover 1 service van or 20.

Email me at allie@barefootins.com or reach out to me by phone by dialing 954-368-0060. I look forward to getting to know your business and finding markets to fit your needs comprehensively and affordably.

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