Nobody anticipates falling ill or requiring a hospital visit; however, it’s essential to have a plan in case it happens. Health insurance is often a significant part of that plan. It helps us handle our bills and maintain our lifestyle. These reasons, among others, explain why it is advantageous to have health insurance and are the basis for why many individuals in and around the Rochester, MN area seek the professional, experienced, and friendly services of the Safechoice Insurance Agency for their health insurance requirements.

Health Insurance: More than Just about Health

Have you ever encountered someone sick or injured and said, "At least I have health insurance," or "Thank goodness my health insurance covers that"? These phrases express relief and assurance and underscore the importance of having health insurance. Undeniably, health insurance is crucial when you are sick or injured, but it also provides numerous additional benefits.

Rochester, MN – Your Health Insurance Solution

If you reside in the greater Rochester, MN area and have inquiries about health insurance or are keen on exploring the potential benefits of health insurance should you have to miss work or suffer an injury, our reliable and proficient team at the Safechoice Insurance Agency can assist. You cannot predict when you might need health insurance coverage, but knowing that you are covered when the need arises is reassuring. Contact us to learn more and acquire the health insurance solutions you need and deserve today at Safechoice.

If you are considering renting a car for your vacation or business trip in Pembroke Pines, FL, you should know that purchasing auto insurance is an integral part of the process. After all, without insurance, who will pay for the damage to the vehicle in the event of an auto accident? And what would happen if someone were to get seriously hurt?

Well, according to the law, there are several options for drivers who wish to rent a car in our state. You are within the legal limits as long as you meet the minimum requirements for coverage, which are $10,000 in personal injury protection and $10,000 in property damage liability. Here are a few different ways in which you can meet the criteria:

Insurance from the Rental Car Company

Many of the top rental car companies offer vehicle insurance coverage as part of your rental agreement. By signing either a Loss Damage Waiver or a Collision Damage Waiver, you should be covered for the cost of all repairs in the case of an accident or, if necessary, a replacement vehicle.

Non-Owner Insurance

If you frequently rent vehicles yet do not own one, you can purchase a separate non-owner auto insurance policy. These policies provide liability coverage when you drive a rental car.

Insurance on your Personal Vehicle

If you already have personal insurance on a car registered in the state, your coverage may extend to rental vehicles. You will need to contact us at McCormick Insurance Inc. to find out if rental cars are within the limits of your coverage.

So, before you rent your next auto, give us a call at McCormick Insurance Inc. We may be able to help you better understand your rental car insurance options in the Pembroke Pines, FL area. We want you to make the best decision for your particular situation, so we would love to help.

At McCormick Insurance Inc., we provide auto insurance to motorists in Pembroke Pines, FL. If you’re looking for auto insurance coverage at the moment, we can help you. 

You need to focus on a few priorities to make the right choices when you buy auto insurance. The following are four auto insurance priorities to be aware of. 

Meeting state vehicle insurance requirements in Florida

Vehicle insurance is required by law in Florida. To drive legally, you need to meet a few coverage requirements.

Your auto insurance policy needs to include $10,000 in property damage liability coverage and $10,000 in personal injury protection to meet state requirements. 

Understanding the coverage you’re getting

Taking the time to understand the details of your policy is important. Remember that you need to add collision and comprehensive coverage to your policy to cover damage to your vehicle.

Don’t assume that your policy includes certain types of coverage unless you’ve verified this by reading over your policy. 

Exploring your options before choosing a policy

Before getting quotes from multiple providers, you should never select an auto insurance policy.

Getting multiple quotes makes it possible for you to compare your available options. You can then choose the best policy for your unique preferences and situation. 

Keeping proof of insurance in your vehicle

Don’t forget to print out your insurance card and keep it in your vehicle. You’ll need to present proof of insurance to law enforcement when you get pulled over. 

Purchase an auto insurance policy from McCormick Insurance Inc., and you can be confident you’re getting the coverage you can count on. Vehicle owners in Pembroke Pines, FL can call or go online for a policy quote from our insurance company. 

Auto insurance is one of those things we need but don’t necessarily think about unless we have to. It’s not as exciting as buying a new car, but it is essential to protect your assets in the event of an accident. Here are six compelling reasons why you need auto insurance and how McCormick Insurance Inc. can help motorists in Pembroke Pines, FL.

1. Good financial protection

A car is a significant investment. Major repairs from accidents would be difficult to pay for out-of-pocket and could even put you in debt. Auto insurance can help pay for unexpected repairs and medical bills, so you don’t have to worry about finances following an accident.

2. Peace of mind

No one likes worrying about what would happen if they were in an accident. Having auto insurance is that extra security blanket you will have to prepare for the unexpected.

3. It’s required

In most states, it is illegal to drive without auto insurance. If caught driving without insurance, you could face penalties such as fines or driving suspensions.

4. Protects other drivers

If you are involved in an accident and found to be at fault, your auto insurance will help pay for the other driver’s damages. This is important for their financial protection and to avoid potential legal issues.

5. Protects you from uninsured drivers

There’s always a chance you could be in an accident with an uninsured driver. If this happens and you are found to be not at fault, your auto insurance can help cover the costs of your damages.

6. Discounts and perks

Some auto insurance companies offer discounts or perks for their customers. These include safe driving discounts, roadside assistance, and more.

Contact McCormick Insurance Inc. today to learn more about how we can help Pembroke Pines, FL drivers with their auto insurance needs. We would be more than happy to answer any questions you have or if you need an estimate.

Living in Florida is a dream come true for many residents. From wonderful cities, a bustling economy, and breathtaking sceneries, there is a lot to savor in the Sunshine State. If you are a Floridian, the chances are that you have bought, rented, or leased a vehicle. But how much do you know about auto insurance? McCormick Insurance Inc. of Pembroke Pines, FL sheds light on who needs car insurance.

Who needs auto insurance?

Like many states, Florida requires all drivers to purchase auto insurance. The state requires you to buy liability and personal injury protection (PIP) coverages every time you drive or park in public spaces. More so, Florida is a no-fault state. This means that the insurance company covers liability costs up to a specific limit, regardless of who caused the accident.

Florida’s law requires drivers to show proof of insurance whenever they are driving. Failure to carry required auto insurance may result in fines of up to $500 and license suspension. And if you are at fault for an accident, you will be required to foot the liability costs from your pocket.

Besides compliance, who else needs auto insurance?

Yes, we know the law requires auto insurance, but who else needs car insurance.  If your car is financed by a federal-regulated financier, they may require you to invest in car insurance as long as your loan liability is outstanding. The other persons that need auto insurance are:

• Those who want peace of mind
• Persons that need financial cushioning
• If you value your car

Ultimately, everyone who owns a car needs auto insurance. Whether it’s a classic, modern, commercial or private vehicle, ignoring car insurance isn’t an option!

Buy auto insurance in Pembroke Pines, FL

Ready to invest in car insurance? Please look no further than McCormick Insurance Inc. We offer comprehensive and affordable car insurance policies for our clients.

Many people in the Pembroke Pines, FL area will find that owning a car is a good idea. With a vehicle, you will be able to get around the city and surrounding areas more efficiently. If you decide to purchase a car when you are here, you also need to get the right insurance for it. This type of coverage can protect someone in several ways. 

Mitigate Liability Risk

A reason to have an auto insurance plan in this area of Florida is so you can mitigate your liability risk. If you decide to drive a car when you are in this area of the state, there is going to be a chance that you cause damage in an accident. As damages can be significant, finding a way to offset this risk is important. A liability insurance plan can help you do this as it will give coverage if you do cause damages. 

Protect Vehicle

You also will want to have this coverage to protect your vehicle. If you buy any type of vehicle, you will want to ensure it can last for a long time. With proper insurance, you will get the coverage needed to repair to replace your vehicle if you incur a loss from theft, vehicle accident damage, or other forms of loss. 

Owning a vehicle in the Pembroke Pines, FL area continues to be a good idea and can make life much more convenient. As you are looking for a car in this part of Florida, you should also make sure that you speak with someone that will help you build a new insurance plan. The team with McCormick Insurance Inc. can give any support you need to build your next policy. McCormick Insurance Inc. takes a personalized approach to ensure you select the right plan based on your situation. 

When motorists start shopping for auto insurance, they may question how much coverage they need as well as what type of insurance would be best for them. Fortunately, McCormick Insurance Inc. of Pembroke Pines, FL is committed to helping motorist navigate their insurance choices and make decisions that help them to select the best coverage options. 

It’s All About You
Motorists must first understand that choosing the best auto insurance is based heavily on their unique situation. Do you own your car? Is your car older? Do you have a car loan? These are just a few of the questions that drivers need to consider when it comes to selecting auto insurance. For example, most lenders will require motorists to have full coverage insurance to be eligible for an auto loan. This ensures that the lender is covered and compensated, should anything happen to the car before it’s paid off. This is just one of the many circumstances that may make investing in full coverage auto insurance a smart or necessary option.

Consider Your State’s Requirements
Most states will require you to carry auto insurance that meets certain minimum requirements. As a driver, regardless of any other types of coverage you get beyond what’s required, you will have to meet the minimum coverage requirements in your state before you can legally drive. This is one of the first things you will need to understand. This is your starting point. Once you have invested in your state’s minimum requirements for auto coverage, you can then explore if you need to obtain other types of coverage or increase your coverage levels beyond the minimum requirements. 

Other Considerations
If you have an old car that was paid for years ago, investing in full coverage auto insurance may not be worth it. If your car’s value would be less than the cost of repairing any damage it would sustain in a car accident, it may be best to invest in liability insurance with the minimum state requirements. However, discussing your options with an insurance professional is always a good idea when it comes to determining what type of insurance would be best for you, and how much. If you need guidance in determining the best type of auto insurance for your unique situation, give us a call. We’re here to help. 

You already know that you can’t be near your car at all times. From parking lots to street spots, you have to leave your car unprotected on a regular basis. Most of the time, nothing will come of this. You don’t necessarily expect a runaway shopping cart to hit your car and dent it every time you pull into the grocery store. But sometimes, dents happen, and it’s all too easy to have no recourse when they do. If you’re in Pembroke Pines, FL, McCormick Insurance Inc. has a few tips to help you keep your car safe. 

Make the Extra Effort 

Valet parking, car covers, remote spaces: these are all just a few suggestions that can help you keep your car protected in Pembroke Pines, FL. The extra expense of parking your car in a lot might dwarf the expense of having to deal with a dent. And even if it’s a bit of an extra walk, parking in a less crowded section of the lot can go a long way toward avoiding an accident. 

Get a Camera 

Camera technology today is inexpensive and effective. Even if the other driver doesn’t happen to leave a note with their insurance information, you might be able to see their license plate number if you have the right device set up. 

Look Into Better Panels 

Dent-resistant panels are an excellent solution for nearly any car. Some are already manufactured this way, but you can also look into getting an after-market product for even better odds. 

McCormick Insurance Inc. knows that protecting your car takes effort. If you have questions about how the right insurance policy can help you in the case of dents, give us a call to learn more about how our policies are designed to put you in the driver’s seat.