Accidents can occur at any time and are definitely not on the list of fun things to deal with. In Oviedo, FL, if you are involved in an accident, you need to call your agent at Karla Salmon Insurance as soon as possible. An agent will walk you through the claims process and try to move things along as quickly as possible. By providing the agent with the information they need, the process will go much faster.

After an Accident

As soon as an accident occurs, you need to call your insurance agent. They will be able to tell you what information you will need and will instruct you on what photographs to take so that you can accurately document the scene and the various types of damage.

Filing a Claim

Once you have finished with the police, you will be able to go to your insurance company and file a claim. You will need to have the other driver’s information, both personal contact information and insurance. You may also be required to obtain a copy of the police report and any citations that were issued.

Completing the Process

In most cases, processing your claim will go rather fast. Some cases are resolved in less than a week, while others may take two to three weeks to complete. 

Remain in close contact with your agent during the claims process. At Karla Salmon Insurance, residents of Oviedo, FL can rest assured that their claim will be handled as expeditiously as possible. Call your agent today if you have questions about your claim or if there is anything that you need to be doing while it is being processed. 

Oviedo, FL is an excellent place for people to live as it has a great local economy and other local benefits. If you do live in this area of Florida, it is vital that you get auto insurance. There are several benefits that you will receive when you have a car insurance policy in place. 

Liability Coverage

One of the best benefits that come when you get car insurance is that you will receive liability insurance coverage. Even if you think you are a perfect and safe driver, there is always a chance that you could be at fault in a car accident whenever you take your car out on the road. Due to this continued risk, you need to make sure that you always have auto insurance in place. The liability component will protect you in the event you are found to be at fault for an accident that results in damage.

Protects Property

Beyond having the liability coverage, you also need to make sure that your valued asset is covered as well. A car is a critical asset that requires a significant investment to buy. Due to this, you always need to make sure that you get a full insurance policy in place whenever you buy a car. This insurance will protect you from a variety of situations that could result in a loss. 

If you are going to buy a car in Florida, you need to make sure that you have auto insurance at all times. When you are looking for a policy in the Oviedo, FL area, you should make sure that you call the Karla Salmon Insurance Agency. When you do this, the team at Karla Salmon Insurance will help you to figure out what your best insurance options are. This will make sure that you get the best coverage possible. Contact our office for more information.

Getting a driver’s license is a huge milestone for any teenager. It can also be a time of worry for parents. Karla Salmon Insurance is dedicated to helping our Oviedo, FL families navigate the exciting, and sometimes scary, world of auto insurance for teens. Here we have created a shortlist of important insurance facts every teen driver should know.

Insurance Is Required By Law

Every vehicle you drive in Florida must meet the minimum legal insurance requirement. This means you have to have at least personal injury protection and property damage liability on your car insurance policy. If you cannot show proof of insurance, then you could face conviction, fines, and have your license suspended for violating the law. 

Stay Safe

Florida is a Zero Tolerance state for driving under the influence as a minor. If you are caught driving drunk under the age of 21 you will have your license suspended. Reckless driving (such as causing property damage or texting while driving) also has long-lasting consequences for your driving record. These dangerous activities can have a negative impact on your standing with your insurance provider. Not only could you risk losing your insurance or license, but you are also endangering your life and those around you.

Responsible Driving Is Rewarding

Being a smart, conscientious driver is not only safe, but it’s also rewarding, too. Many communities in and around Oviedo, FL offer special recognition for teen drivers that practice good driving habits. Look into your local chapter of Students Against Destructive Decisions (SADD) for fun and educational driver safety instruction. Taking a driver training course, keeping up good grades, and obeying underage traffic curfews all look fantastic on your record for insurance.

For more teen driver insurance information please contact Karla Salmon Insurance today!

Did you know that if you let a friend or relative borrow your car, that might affect your auto insurance?

If you have car insurance coverage through Karla Salmon Insurance or any other agency, you are responsible for that coverage. If you aren’t behind the wheel of your car, and neither is someone who shares your policy, you may have to deal with unfavorable consequences whether your car is driven in Oviedo, FL or elsewhere.

Auto Insurance Follows The Car

Don’t let your friend talk you into letting him or her borrow your car by telling you that their car coverage will protect them in case of an accident. If your car is being driven, you are the responsible party. Generally, car insurance coverage is tied to the vehicle, not to the individual who is the policyholder.

If the person borrowing your car is a family member who is explicitly covered by your insurance policy (for instance, your spouse), then there’s nothing to worry about. However, your friend cannot be protected by his or her own policy while driving your car; it’s your insurance that remains in effect.

When your Friend Is At Fault In An Accident

If your friend drives your car and the trip goes smoothly, you are both lucky; your car coverage is not impacted. However, if the uninsured driver causes a car accident with your vehicle, your insurance must pay for both your car’s damages and for the other driver’s accident-related costs.

Though you may not need to pay out of pocket, you may see the impact in the form of a premium raise. Your insurance provider may also change your coverage limits. Of course, if you incur any fees directly resulting from the accident, you can sue the person who borrowed your car in order to force them to pay for the damages. However, your auto insurance impact will last for at least a year or longer.

When The Other Driver Is At Fault

That being said, if the uninsured driver of your collides with another car and the accident is deemed the other party’s fault, your insurance is not responsible. in that case, the other party’s insurance pays for the damages to your car, and may even take care of any medical expenses your uninsured driver may endure.

However, if during the car accident report release and subsequent investigation, your car insurer finds out that in fact, you weren’t the person driving your vehicle, your premiums may hit an all-time high anyway.

Ready To Purchase Your Coverage?

If you need to expand your coverage to include any currently uninsured drivers, you can visit Karla Salmon Insurance anytime. We serve old and new customers alike in the Oviedo, FL area.