Insurance Blog

Being a driver in Florida means that you must meet the minimum required insurance coverage. Florida is a no-fault state, which makes things a little different from other states. At Skyline Insurance LLC in Jacksonville, FL, we work with more than 40 carriers, which allows us to offer our customers more choices and the best rates.

In the state of Florida, you need to carry a minimum of $10,000 in PIP and a minimum of $10,000 in PDL. That protects other people from you, but it doesn’t do much about your vehicle or you. For that, you need additional coverage. If you have a loan or are leasing a vehicle, you will need to have more coverage than just the basics. You will need insurance to protect the vehicle.

Collision coverage  

Collision coverage protects your vehicle in the event of an accident for which you are responsible. If you don’t have collision coverage, you will need to pay for the damage to your vehicle yourself. With collision coverage, you have to pay your deductible, but your insurance will pay for repairs or pay you the value of the vehicle if it is totaled. 

Comprehensive coverage

Comprehensive coverage is for damage that is beyond your control. It covers many different types of damage, including those caused by a weather event: hail damage to your paint, wind damage from falling limbs, and flooding. It also covers theft, vandalism, and collusion with a large animal like a deer. 

Having more than basic insurance is vital if you need your vehicle to go about your daily life. 

Contact our office at Skyline Insurance LLC in Jacksonville, FL, and let us help you find the right auto insurance for your needs. 

Non-owner insurance policies are not your traditional auto insurance policies that cover a particular driver in a certain vehicle.  They are designed specifically for individuals who frequently drive even though they don’t have a car.  It’s not a full coverage plan, which includes comprehensive and collision coverages.   In Florida, this specific policy provides liability coverage to protect the property and bodily injuries of others if the non-owner policyholder is found liable in an auto accident.

Non-Owner Policy: An Auto Insurance Guide

To qualify for a non-owner policy in Florida, you must have a valid driver’s license and not own a vehicle.   A non-owner policy is good for drivers who frequently borrow a car from a friend or family member or drive a rental vehicle.  It provides the minimum amount of coverage required by the state with optional add-ons specific to the insurance carrier you choose. 

Here at Skyline Insurance LLC in Jacksonville, FL, we have industry-trained experts to help you make an informed decision concerning the construction of your non-owner policy. Non-owner policies aren’t mandatory for everyone but are very beneficial in many cases. 

Here are a few scenarios to consider when determining if you should purchase a non-owner policy:

• You use a car-sharing service that includes low liability limits and large deductibles you must pay after an accident.
• You don’t own a car but must still have proof of insurance because of a DUI or other violations.
• You regularly rent cars.  If you have a non-owner policy, you could possibly avoid the fees for insurance charged to you by the rental company.
• You have an employer-issued vehicle but often use it to run your personal errands. 
• You want to save money on future coverage when you purchase an automobile.  Maintaining continuous coverage may help you receive better rates.

Have Questions? Consult With Us

If you’d like to know more about a non-owner policy to ensure you’re adequately covered on the road, contact us at Skyline Insurance LLC in Jacksonville, FL.  We are glad to help. 

Traditional auto insurance policies have historically relied on general factors such as age, location, and driving record to determine premiums. However, with the advancement of technology, telematics and usage-based auto insurance have emerged as a more personalized and data-driven approach in and around the Jacksonville, FL area. 

The Power of Technology and Data

Telematics refers to the combination of telecommunications and information processing technology. In the context of auto insurance, telematics involves using devices installed in vehicles to collect and transmit data about driving behavior, such as speed, acceleration, braking, and mileage. This data is then analyzed to provide insights into an individual’s driving habits and risk profile.

Customized Premiums for Individual Drivers

Usage-based auto insurance, or pay-as-you-drive or pay-how-you-drive insurance, utilizes telematics technology to offer personalized premiums based on an individual’s driving behavior. By monitoring factors like speed, distance traveled, and time of day, insurance companies can assess risk more accurately and tailor premiums accordingly. Safe drivers with low mileage and responsible driving habits may be rewarded with lower premiums, while riskier drivers may face higher rates.

Incentives and Improved Safety

Telematics and usage-based insurance offer several benefits. First, they provide drivers with direct feedback on their driving habits, promoting safer and more responsible behavior behind the wheel. By encouraging safe driving practices, these programs reduce accidents and improve road safety. 

Balancing Benefits and Concerns

While telematics and usage-based insurance offer numerous advantages, privacy, and data security are valid concerns. Insurance companies must ensure that the data collected is securely stored, used only for insurance purposes, and comply with applicable data protection regulations. 

How Skyline Insurance LLC Can Help You

Here at Skyline Insurance LLC, we can answer all your questions concerning auto insurance. We assist the Jacksonville, FL region. Get in touch with us today.