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What you should do if you are involved in an automobile accident

There is a reason that Florida and most other states make you carry auto insurance. It’s actually not to protect you; it’s to protect other drivers in case you cause an accident. If you are involved in an accident, whether you believe it’s your fault or not, there are some steps you need to follow.

The first thing you should do if you are involved in a car accident is to make sure everyone is OK. This includes the occupants of your car as well as the other car. If someone is injured, you should call 911 right away.

If no one is injured, you should exchange information with the other driver. If the crash occurs on a public roadway, you should call the police. Take pictures of the damage to your car and the other drivers car.

Once you have spoken to police, you should call your insurance company to initiate a claim. The insurer may ask you for any information you received from the police so it can get a copy of the accident report. From there, your insurance company will work on your claim and determine any payout or assist with problems that might arise along the way.

If you are looking auto insurance, home insurance, commercial insurance or other coverage, check with Alliance Insurance of Sarasota to find the best deal www.allianceinsurancesrq.com

Its Hurricane Season, Time to Protect Your Family and Property

Its Hurricane Season, Time to Protect Your Family and Property

Atlantic ocean hurricane season runs from June 1st- November 30 and hurricanes of years past have left entire states in a state of emergency, but have served to teach the importance of protecting property through home, auto and commercial insurance. Business owners, in particular, have a duty to protect their offices, employees, property and work product. Most importantly, though, they need to protect their home and family. Mother Nature has a mind and temperament of her own, and in the wake of severe weather, homeowner’s insurance with added flood protection can help to bridge the financial gap when a home or business is impacted by inclement weather. Some things can wait when warnings of bad weather are issued and in that case it is important to heed those warnings to protect yourself and your family, but binding insurance cannot wait. Call your agent or investigate your options online now and protect your home during this tumultuous season and don’t forget you must have a policy in place BEFORE the storm becomes active near the area!

Auto insurance is one of the most important insurance coverages you can have. Not only is it required by law in almost every state, it also is necessary to protect you, your passengers and your car.

The various parts of auto insurance cover different things. Liability insurance, which is the minimum required in most states, pays for damage you cause to another driver in an accident that is your fault. It’s important you have enough liability coverage so that you don’t face a lawsuit over unpaid costs. Collision coverage pays for damage to your car caused in a crash that’s not covered by another driver’s insurance. Comprehensive coverage pays for damage to your car caused by things such as hail or fire. Medical and personal injury coverage cover your passengers and other drivers for injuries caused in the crash.

Having adequate coverage helps to ensure that you and your passengers are protected and that you have the financial coverage to not have to worry about not getting your repairs covered. Allied Insurance can help you not only with your Florida auto insurance needs but also with home insurance and commercial insurance policies as well.

Alliance Insurance Offers Auto, Home and Commercial Insurance

In addition to providing auto insurance, Alliance Insurance in Sarasota, Fla., offers home insurance to protect you financially when a hurricane damages your property. Our agents want to verify that your home is fully protected for a variety of hurricane damage problems, including electrical surges or wind and water damage. A hurricane can occur at anytime in Florida, and when you don’t have the proper insurance coverage for your condominium or house, you could experience devastating financial losses. The strong winds and torrential rains from a hurricane can damage the inside or outside of your home, requiring extensive repairs.

Contact an Alliance Insurance Agent to Update Your Hurricane Coverage

If you own a business in Florida, then it is imperative to have commercial insurance coverage for hurricane damages. An electrical surge during a hurricane can destroy your office equipment and machinery, making it impossible to operate a business. The cost of replacing computers and fax machines after an electrical power surge can destroy your company. An agent who works for Alliance Insurance can visit your business to determine what type of coverage is required for protecting your investment in complex machinery.

A/C Help

Home insurance, motorcycle insurance, auto insurance and commercial insurance are all extremely important. Insurance provides you with coverage that will greatly benefit you if a disaster occurs. However, it is important to remember that everyone’s insurance needs are different. That is why you will need to speak with your agent on a regular basis.

Changes in your life can also cause your insurance needs to change. For example, if you have a teenage driver, then you may need a different auto insurance policy. Your agent will select a policy that not only fits your needs, but you will also be able to select one that fits your budget.

If you are need of a policy review or would just like the peace of mind to ensure that you are covered in case of theft or an accident, contact our office. We would be happy to help you ensure you have adequate coverage!

Why everyone should have Flood Insurance

If you do not have flood insurance, then you should definitely consider getting it for your home and business. It is just as important as home insurance, auto insurance and commercial insurance. The damage caused by a flood may not be covered by hurricane wind insurance. Southwest Florida is a high-risk flood area. It is estimated that people who live in a high-risk area have a 25% chance of experiencing a flood. If you have flood insurance, then you will be able to get all or part of the damaged covered. You can contact Alliance Insurance if you are in need of flood insurance and we will help you choose the best coverage for your home, auto, boat, RV, business, motorcycle and more. Let us help protect you today!

We’ve got you covered!

At Alliance Insurance in Sarasota, Fla., we offer a variety of insurance products to protect your finances. You already know that home insurance is necessary because a mortgage company will require it to finance your private residence. However, you must also have condominium insurance that provides additional protection that is outside of the building group’s coverage. In some cases, certain types of damages are not covered by your condominium’s group policy, making you responsible for paying for the repairs to the property. When you live in a condominium, we recommend having theft, liability and fire coverage.

Additional Insurance Coverage

In addition, a visitor on your condominium’s property can sue you when they are injured from a fall on a sidewalk or stairway. To protect you from a lawsuit that can devastate you financially, you must contact an agent at Alliance Insurance. We can review your condominium’s building group’s policy to make recommendations concerning additional coverage. At the same time, we can discuss your auto insurance policy to offer improved coverage. If you own a business in Florida, then make sure to request information about commercial insurance.

Contact an Alliance Insurance Agent to Learn More About Coverage

Contact an Alliance Insurance Agent to Learn More About Coverage

At Alliance Insurance in Florida, we offer commercial insurance to business owners to protect them from financial liability if a client is injured on their property. In addition, we provide home insurance for homeowners to help them make repairs to a structure after a devastating fire or flood. However, auto insurance is the most common type of coverage that we sell to customers in our region. Having auto insurance in Florida is mandatory, so it is imperative to contact us.

Types of Auto Insurance Coverage Available

If you live in Venice, Bradenton or Sarasota, then you must have auto insurance that conforms to local regulations. Some of the types of coverage that you should have on a vehicle include:

• Physical damage
• Personal injury
• Property damage
• Liability coverage
• Theft coverage
• Fire coverage
• Towing coverage
• Uninsured motorist coverage

Talk to us today about having the appropriate auto insurance on your vehicle. Auto insurance rates will vary, depending on your age, gender and previous driving history. In addition, we need to know the brand, model and year of the vehicles that you own to help determine the rate of your auto insurance coverage.

Maximum Coverage Equals Maximum Peace of Mind

Maximum Coverage Equals Maximum Peace of Mind
As a business owner you understand the need to take risks. You also understand that not all risks are good risks. Risks that are worth taking are those that have the potential to increase your bottom line yet they won’t destroy your business if they fail. Risks that involve cost-cutting and shortcuts usually don’t turn out well. Though you might save money in the short term your long term business will likely suffer.

When it comes to auto insurance, commercial insurance and even home insurance it is much better to maximize your coverage. Not only will you earn peace of mind, but if an accident, theft or weather event destroys property or causes injury you will have professionals to guide you through the process of recouping your losses. This guidance allows you to focus on your business and remain open even during stressful times.

In particular, auto insurance coverage can be overlooked by many business owners. This is a mistake and is a risk that is not worth taking. Maximum auto coverage not only protects you, your employees, your property and your business’ professional reputation, but maximum coverage also provides replacement transportation so your business can continue to run smoothly.

Maximum Coverage Equals Maximum Peace of Mind

Maximum Coverage Equals Maximum Peace of Mind
As a business owner you understand the need to take risks. You also understand that not all risks are good risks. Risks that are worth taking are those that have the potential to increase your bottom line yet they won’t destroy your business if they fail. Risks that involve cost-cutting and shortcuts usually don’t turn out well. Though you might save money in the short term your long term business will likely suffer.

When it comes to auto insurance, commercial insurance and even home insurance it is much better to maximize your coverage. Not only will you earn peace of mind, but if an accident, theft or weather event destroys property or causes injury you will have professionals to guide you through the process of recouping your losses. This guidance allows you to focus on your business and remain open even during stressful times.

In particular, auto insurance coverage can be overlooked by many business owners. This is a mistake and is a risk that is not worth taking. Maximum auto coverage not only protects you, your employees, your property and your business’ professional reputation, but maximum coverage also provides replacement transportation so your business can continue to run smoothly.