General Insurance

Security And The Idea of General Insurance

The need of security brought on the idea of insurance. We as people are always trying to shield ourselves from crisis whether it is the security of ourselves or family, or our possessions. general insuranceInsurance just as its name insures your health, vehicle, and property. General insurance needs come from the facts that all things that matter to you should be insured, if your possessions are insured you are more likely to live a risk-free life. Everything that is a hard earned possession should be insured these items include your personal vehicle, business, property, or anything that can be a financial loss. Health insurance should be taken in to consideration because any health emergency can drain you financially in the blink of an eye. Car insurance is a must. It covers your vehicle damage from theft, accidents, or fire; it would also cover natural calamities. Another general insurance is property insurance and this includes your home. Your home is probably your most priced asset and it should be insured. Insuring your home protects you against burglary, fire, and other risks that could cause harm to your home. If you are in need of general insurance call Gulf Coast Educators Insurance at  239-591-0963, they can help you get reliable insurance when you need it the most.

Is your Teenager Driving Soon? It is Probably Time to Add a New Driver to your Insurance?

auto insuranceAdding a New Driver to your Insurance Policy

Is your teenager about to get his driver’s license, and your needing to get him auto insurance? Every insurance company is different but it is possible to add a driver to your policy.

There are three main reasons why you may need to add someone to your policy.

  • Your son/daughter is beginning to drive. When you add your son/daughter to your policy you should have your child’s personal information handy. This includes his/her birth date and driver’s license number.
  • A driver will be operating your car for a short period of time. When someone is visiting from out of town, or you need someone to drive you around for some time you should add them to your policy.
  • Your car will be operated by someone other than you on an everyday basis. If a driver will be driving your vehicle for a daily driver they should be on your insurance policy. The driver’s history must be obtained and a release paper has to be signed.

When adding someone to your auto insurance policy you should have their personal information ready for the insurance company. When adding a driver to your policy the agency is going to take in to consideration the age of the driver you are adding, their driving history, and the risk the driver poses while on the road. If you are in need of auto insurance in the area please give Gulf Coast Educators Insurance a call at 239-591-0963.

Common Causes of Car Accidents

Don’t Be The One To Cause A Car Accident

Driving accidents happen every minute in every day. An estimated 10 million people are involved in car accidents every year. Car accidents are also the leading cause of teenage deaths. The story is always the same, it’s not my fault. Several studies from the U.S. say the number one cause of accidents is you, not a wet road or a pot hole. Accidents can happen for almost any reason. Let’s talk about the most common causes of car accidents.

Distraction:

The number one cause of car accidents is distraction while driving. This includes talking on the phone, texting, eating, or slapping the mosquito on the windshield. It also includes having a conversation with your passenger. You are 23 times more likely to get in accident if you are texting while driving and 4 times more likely if you use a hand held device. Pay attention to your surroundings especially if you are in the busy city but rural accidents are possible as well.

Speeding:

Most everyone today has a need for speed at one point or another. A third of all accidents in the U.S. are caused by speeding drivers. Give yourself enough time to make it from point A to point B. Ask yourself this; is 10 minutes worth your life?

Drunk Driving:

Drunk driving is the most dangerous act on the road today. Mothers Against Drunk Drivers estimate that 300,000 incidents of drunk drivers happen daily. Drunk driving is completely preventable; you could call a taxi or a friend for a ride. Drunk driving not only endangers your life but others as well.

These are only three causes of car accidents, there are too many to count. While driving on the road an accident can happen at anytime and anywhere, know your surroundings where ever you drive.