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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 888-478-7801 or complete our online quote request form. A GreatFlorida Auto Insurance Agent in Florida will help you find the best deal for you.

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Uber Insurance Florida Blog
by GreatFlorida Insurance
5/23/2018

A sink hole is growing on the North Lawn of the White House. We will resist the temptation for commentary and jokes.

“Sinkholes are nothing new to Floridians,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowner insurance provider.

However, concerning experts, are the recent heavy rains throughout the state, that may lead to additional sinkholes. Such as the ones in The Villages or the more than a dozen that opened in an Ocala neighborhood earlier this month.

Speaking to a local news agency, Dr. Anthony Randazzo, professor at the University of Florida calls the stretch of land between Tallahassee and I-4 through Central Florida, “sinkhole alley.”

Dr. Randazzo says last year’s Hurricane Irma is responsible for over 400 sinkholes. Recent heavy rainfall is exacerbating the problem.

Sinkholes occur in Florida so often because the peninsula is made up of porous rocks such as limestone or sandstone, which can dissolve over time as they interact with acid naturally occurring in rainwater, according to the Florida Department of Environmental Protection.

So, what happens if a sinkhole develops near or on your property? Florida law requires insurance companies to provide coverage for catastrophic ground cover collapse.

“However, sinkhole damage must meet specific criteria and may not be covered by your homeowner’s insurance policy,” says Buck with GreatFlorida Insurance.  “The law defines sinkhole damage differently from catastrophic ground cover collapse. Sinkhole coverage is available to add to a homeowner’s policy for an additional cost.”

Florida homes do not require inspection for the possibility of sinkholes. Also, most builders do not have them inspected, because of the additional expense. It is impossible to predict when and where the exact location of a sinkhole might develop.

Only a licensed, professional geologist with training in identifying sinkholes, might be able to determine the possibility of sinkhole activity. It is important to keep in mind, not all potential sinkhole activity can be identified.

As a protection to buyers, home sellers are required to disclose when a sinkhole claim was made on a piece of property and the amount that was paid to repair the damages.

You can call the Florida Department of Environmental Protection at 850-245-2118, with a sinkhole question.

The post Heavy Rain Responsible for Sinkholes appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
5/16/2018

The 2018 Atlantic Hurricane season begins June 1 and runs through November 30. “Current research proves hurricanes are growing stronger and occurring more frequently,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency.

Colorado State University predicts a slightly above average Atlantic hurricane season, with 14 named storms, seven hurricanes and three major hurricanes. Whereas, The Weather Channel, is predicting 13 named storms, six hurricanes and two major hurricanes.

While thunderstorms commonly occur in Florida, hail is not as common. It is a type of frozen precipitation that occurs within strong to severe storms any time of the year. Hail causes approximately $1 billion in property damage annually nationwide.

Hail can dent your automobile’s hood, trunk and doors. It can break and crack mirrors and windows and cause damaged or stuck doorjambs.

“It is really tempting to observe the novelty of anything frozen falling from the sky but hail can be dangerous, especially if it is sizable,” reminds Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent auto insurance agency.

If you are out driving when a hailstorm hits, don’t panic. Below are tips to stay safe on the road.

Slow down and be aware of other drivers around you who make not know how to react when driving in a hailstorm.

Create distance between you and the driver ahead of you.

Safely, get off the road. The impact of hail is greater on a moving object, so your car is at greater risk of damage when it is moving forward.

Look for coverage close by such as a gas station awning or garage.  Avoid trees, falling branches can cause more damage.

If you stop under a bridge or overpass be sure to pull completely out of traffic lanes and onto the shoulder.

Do not leave your car.

Try and keep your car at an angle so hail hits it from the front. Windshields are reinforced to withstand pelting objects. Side windows and back glass are not, they are much more vulnerable to shatter or break.

If the hail is severe, cover your eyes or the eyes of any passengers with a blanket. Get face down in the backseat or floor, face away from any windows.

Stay clear of culverts or ditches that quickly fill with water.

Most comprehensive auto insurance policies will cover hail damage. Once the hail damage is accessed, work with your insurance agent to file a claim and get your car into an auto body shop to repair any dents or other damage caused by the storm.

The post Protect Your Car from Hail Damage This Storm Season appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
5/9/2018

Hawaiian lawmakers recently passed a bill prohibiting the sale of sunscreen containing chemicals known to harm coral reefs.

“Once signed by governor David Ige, it will be the first law of its kind,” says Ellsworth Buck, Vice President of GreatForida Insurance, Florida’s largest independent boat insurance agency.

The chemicals contributing to the destruction of coral reefs and other ocean wildlife are oxybenzone and octinoxate. These are common ingredients found in over 3,500 popular sunscreens such as Coppertone, Hawaiian Tropic and Banana Boat.

Oxybenzone and octinoxate are chemicals that filter and absorb UV light, blocking out the sun’s radiation and extending the amount of time a person can spend in the sun. However, like most topical products, they wash off in the water causing damage to coral and fish. According to coral reef advocates, Be Reef Safe, 4,000 to 6,000 tons of sunscreen end up on coral reefs every year.

A 2015 study conducted by a group of scientists of coral reefs in Hawaii, the U.S. Virgin Islands and Israel found oxybenzone and octinoxate leach nutrients from coral, bleach it white and reduce its resiliency. The chemicals are known endocrine disrupters, even a tiny amount can damage coral.

“The largest coral reef in the continental U.S. is the Florida Reef, found in the Keys,” reminds Ellsworth Buck, Vice President of GreatForida Insurance, Florida’s top independent boat insurance agency.

It is the third largest barrier reef ecosystem in the world. It too is being threatened by using these chemicals. In order to protect the future of Florida’s reef tract a similar bill could be passed in Florida. As the public becomes aware of the threat these chemicals pose to coral reef and underwater wildlife, it could prompt action to preserve our beloved reef.

Best thing to do now is read sunscreen labels and avoid oxybenzone and octinoxate. There other ingredients available in sunscreens that can effectively protect your skin. Most importantly, cover up. Sunscreen, should be the last line of defense.

The post Could Florida Ban Sunscreen? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
5/2/2018

“This year’s declining auto sales proves drivers are ditching their cars,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency.

Last year, car sales dropped almost 11 percent according to Autodata Corp. The trend is continuing this year while auto sales fell at General Motors, Ford, Fiat Chrysler, Nissan and Honda. Hyundai and Kia, also posted declines the beginning of spring.

Drivers are abandoning passenger cars for crossovers, SUV’s and trucks. The decline is causing some automakers to slow down the production of passenger cars.

Ford announced it is ending the sales of their Ford-C Max, Fiesta, Fusion, Taurus and Focus models. The car models will be phased out in the next few years. By 2020, Ford expects 90 percent of its portfolio to be trucks and SUV’s. To support their decision, Ford’s F-series pickup trucks recorded their highest sales since 2000 reports J.D. Power. Ford also plans to add five new SUV models over the next two years.

By 2022, almost 73 percent of all consumer vehicle sales in the United States are expected to be some sort of utility vehicles. About 27 percent will be cars, according to LMC Automotive, an auto industry forecasting firm.

“Drivers desire larger, more comfortable cars, says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent auto insurance agency.

People are choosing crossovers, trucks and SUV’s over cars. To that point, Toyota sold more crossovers, SUV’s and trucks in February of this year than ever before. The remade Jeep Compass is also experiencing strong sales after years of struggling. With fuel prices holding steady, larger cars are more appealing.

Auto industry experts believe auto sales in general are experiencing a decline due to several different conditions such as, tightening credit conditions, higher interest rates and stingy discounts. This equates to higher monthly car payments which are not appealing to most drivers.

The post Are Americans breaking up with their cars? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
4/18/2018

2018 Earth Day is this Sunday, April 22. The theme for this year’s Earth Day focuses on ending plastic pollution. Single-use plastic is believed to be the biggest source of trash in and around water worldwide.

We use plastic everyday- plastic bags, toothbrushes, water bottles, product packaging. It’s hard to go a day without plastic,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent boat insurance agency.

Some alarming statistics about plastic include the following:

2.5 million plastic bottles are used every hour in the U.S. (Recycle Across America)

8 million metric tons of plastic enter the ocean every year (Recycle Across America)

The Great Pacific Garbage Patch, the world’s largest collection of floating trash has grown to 600,000 square miles, twice the size of Texas. (Scientific Reports)

According to the website, Earthday.org, plastic poisons and injures marine life, disrupts human hormones, litters beaches and landscapes and clogs our waste streams and landfills. The movement is hoping to inspire and inform people into changing their attitude about plastics.

So, what can one person do to make a difference? Below is a list of suggestions to help you reduce the use of plastic.

Carry your own reusable shopping bags to the store.

Stop buying bottled water, carry a reusable water bottle.

Use a refillable mug at the coffee shop, you can even get a discount for it.

Say “no” to straws.

Checking your packaging. When possible, choose paper packaging over plastic, such as a box for pasta rather than a plastic bag.

Trade in your disposable razor for one you that you only must switch out the blade.

Change up your food storage. Instead of using plastic baggies or plastic wrap, try mason jars, bento boxes or glass containers.

Recycle

“Doing something is better that do nothing,” reminds Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent boat insurance agency.

If we all try and make one or two changes to our plastic use, collectively, we can make a difference. Consumer choice speaks loudly.

 

 

 

The post Trashing the ocean appeared first on The GreatFlorida Insurance Blog.