Purchasing vehicles happens every day for numerous reasons. The good news is that, in many instances, people get exactly what they anticipated and more when they buy a vehicle. However, the downside is that these buyers also get a lot less often. It always helps to know what to look for and consider before purchasing your next vehicle. If you are looking for a trusted and reliable agent for your auto insurance needs in the Naples, FL, area, our professional and friendly team at Pro America Insurance is here to help.

Tips to Consider Before Buying Your Next Vehicle

Indeed, acquiring a new or even a gently used vehicle is an exciting event. After all, a car is a significant purchase. The key to securing a good deal and the right vehicle for your needs is knowing what to look for and what to avoid. Here are a few tips to consider when buying your next vehicle.

Kelley Blue Book (KBB)

The Kelley Blue Book site is one of the leading authorities on vehicle history. It is always a good idea to check any used vehicle on this site, as it alerts you to any past accidents the vehicle you are considering might have had.

Maintenance Records

Always inquire about the maintenance records with the owner. Check if they have them and if they’ve adequately maintained the vehicle.

Practical Considerations

Practicality is another significant consideration for your vehicle. A well-priced vehicle won’t solve an issue like trying to accommodate a family of five in a two-seater sportscar.

Insurance Agents

It’s also a good idea to consult your insurance agent before purchasing your next vehicle. You definitely don’t want to be shocked by the cost of insuring it after purchasing it.

If you are looking for auto insurance in the Naples, FL area, our professional and experienced agents at Pro America Insurance can assist you. Contact us to learn more and schedule an appointment today for the insurance solutions and coverage you need for your next vehicle.

If you’re in the Naples, FL, area and interested in an accident insurance policy, the professional agents at Pro America Insurance can help. We understand that no one likes to think about getting into an accident. Most people don’t give it much thought, or they work to put it out of their mind. While that’s understandable, doing that doesn’t help you find the best ways to protect yourself. It’s important to focus on the risks of an accident long enough to find the best coverage for your needs.

Here are four of the most important things you should know about accident coverage:

1. Being covered in an accident can increase your peace of mind.
2. Quality accident coverage is the best way to protect yourself.
3. Accident coverage can keep your family safer if you’re injured.
4. For an accident policy, you want to work with a knowledgeable agent.

Accidents can happen to anyone, even if you’re careful and don’t take risks. Protecting yourself and your family from the aftermath of an accident is easier when you have a policy to cover you and help you move forward. You need the right policy for your situation, though, to ensure adequate protection for you and your family if you can no longer work or in the event of your death.

No one likes to think about being in a severe accident, but it’s important to consider the possibility and protect against it. Pro America Insurance can help you get the accident insurance that works for your needs and situation if you’re in the Naples, FL, area. Then, you can feel confident in your coverage and worry less about any accident you might be involved in, so you can focus on what you enjoy.

Auto accidents can be a harrowing experience in Naples, FL, especially if you sustain injuries or significant damage to your vehicle. One of the most critical steps after an auto accident is to file a compensation claim. Pro America Insurance explains how to navigate the claims process.

1. Document the Scene

The first step is to document the accident. You should take photos of the scene, your vehicle, and any other vehicles involved and document any damage, including injuries. This information can provide evidence to support your claim and protect your legal rights. Also, get the other driver’s information, including their name, contact information, and insurance details.

2. Contact Your Insurance Company

Next, you should inform your insurance company of the accident and provide them with the necessary information. Your insurer will create a claim file and assign an adjuster to manage your claim. Make sure to answer all their questions and provide any additional documentation to the best of your ability.

3. Get Medical Attention

If you sustain any injuries, seeking medical attention promptly is critical. Your injuries could be severe and may not show immediately, so even if you feel fine, it’s wise to get checked out by a medical professional. Failing to get medical attention could also affect your claim, as the insurer may question the validity of your injuries.

Filing a claim after an auto accident in Naples, FL can be time-consuming and challenging. However, having a basic understanding of the claims process and knowing your legal rights can make things easier. Remember to document the accident scene, contact your insurance company, and seek medical attention if you sustained injuries. Pro America Insurance is here to help, so contact us whenever you have questions.

Pro America Insurance knows that minimum auto insurance coverage is rarely enough.

Like most other states, Florida has specific auto insurance mandates for all drivers. However, the state’s minimum requirements are much lower than most. Settling for basic insurance could expose you to unnecessary risk on the roadways.

Fortunately, Pro America Insurance can help. Located in Naples, FL, their agents review some key elements that every policyholder should know.

Personal Injury Protection

Referred to as PIP, personal injury protection covers medical expenses, lost wages, or other costs incurred due to an accident. This kicks in to cover your expenses, regardless of who is at fault. Drivers must carry at least $10,000 in PIP.

Property damage liability

Liability is a crucial component of almost any insurance policy. Although Florida does not require bodily injury liability, all drivers do need property damage liability. This covers vehicular damage. But it also repays for damage or destruction to other structures as well. In Florida, all motorists must carry $10,000 per accident for property damage.

What is a no-fault state?

Florida is one of twelve states designated as a "no-fault" state. By law, each person pays for their expenses when an accident occurs, regardless of who is to blame. Yet this can be misleading. Although only PIP and property damage liability are necessary, you may be on the hook for additional expenses if you are found to be negligent. Pro America Insurance encourages everyone to go beyond these basic requirements.

Find an agent serving Naples, FL.

Pro America Insurance understands that auto insurance isn’t just about keeping you compliant. It grants safety for you, your family, and other motorists on the roadways. Schedule an appointment today for a personalized policy designed just for you.

When selecting an auto insurance policy, many people in Naples, FL, allow premium prices to drive their decisions. Some simply prefer to go with what their friends or family use, which may not be the best idea. Cutting corners on cost or simply going with the insurance company next to you can leave you underinsured or overexposed. Fortunately, there is a way you can strike a balance between adequate coverage and affordability when you have the right information. Pro America Insurance recommends asking the following questions about auto insurance.

Which coverages do I need?

One of the most critical questions to ask your insurance provider is your coverage needs. Auto insurance needs vary from one motorist to another as we all have different cars, driving records, and driving habits. In most cases, you will be required to carry liability as required by Florida law and buy the rest as additional protection. Your insurer may recommend PIP, Comprehensive, Collision, and Uninsured/underinsured motorist coverage.

Who can drive my car and be covered by the policy?

The chances are that your children, spouse, friends, or parents will be driving your car once in a while. This question clears the air as to who is covered while driving your car. If the policy does not recognize third parties, then it may not cover you in an accident resulting from a third party.

What is affecting my insurance premiums?

It’s also essential to know which factors affect your premium rates and adjust accordingly. Remember, you cannot change some aspects about you, such as your age, but you can change other aspects like your driving record by driving safely or taking extra driving courses. You can also move to a safer location to reduce theft risk.

Need help?

Are you looking to buy auto insurance in Naples, FL, and not sure where to start? Don’t worry because you’re in the right place. Pro America Insurance has every skill, tool, and experience to help you achieve your auto insurance goals. We take you through the process and ensure you obtain a policy that matches your needs, style, comfort, and budget. Call us today!

What is an Accident Insurance Policy?

This is an insurance cover where the policyholder is paid in case of an accident resulting in injury. The insured spends the benefits however they choose. Unlike disability insurance, you can claim benefits with this cover even when your injuries do not keep you out of work. The policy covers such injuries as fractures, burns dislocation among others.

What is covered by the Accident Insurance Cover?

The cover pays for your medical expenses, hospital stay, medical exams, and emergency treatment. In Naples FL, Pro America Insurance agents will offer you the best advice in choosing an affordable cover for yourself and with the best coverage. We analyze and evaluate multiple insurance carriers to offer the policy offering the best value for money. 

Naples, FL based Pro America Insurance agents are customer-centric ensuring you get the cover that you need. Your needs are matched only with highly rated insurance carriers.

What is an accidental injury?

Accidental injuries could result from violent external forces that was not anticipated. They are unintentional injuries resulting from a normal course of events. They include, falls, cuts, stings, road accidents or drowning.

Is an accident insurance worth it?

An accident insurance policy is relatively inexpensive but offers great benefits to its holders. You can benefit from this policy where your health cover has high deductibles, while accident cover will offer a one-time payout for your medical expenses.

An accident cover also offers an added layer of financial protection, in case of injuries, which assists pay for expenses that major medical insurance would otherwise not pay.

Visit our Pro America agents or give us a call for further advice on products and quotes.

Car owners in the Naples, FL area will know very well that there are plenty of responsibilities that come with operating a vehicle. One important thing that all car owners will need to do is make sure that they have a quality auto insurance policy in place. There are several things that a car owner needs to know about auto insurance when they are looking for a new policy.

It is a Legal Requirement

The first thing that you need to know about auto insurance is that it is a requirement under the law. Similar to any other state, drivers in Florida need to carry liability insurance. If you do not have this in place, you will not have the coverage you need to comply with state laws. If you are caught driving without it, you could face severe penalties including loss of license and financial penalties.

Covers Your Asset

While you will only be required by law to have the minimum level of liability insurance, there are other benefits that come with auto insurance as well. One of the main benefits is that it can greatly protect your vehicle. When you have a full policy that includes collision and comprehensive insurance, you will have coverage for a wide variety of loss types including theft, vandalism, and damage during an accident. 

When you are ready to start looking for auto insurance in the Naples, FL area, you should reach out to the team at Pro America Insurance. The professionals at Pro America Insurance are very knowledgeable about the rules and regulations that come with auto insurance. They can then help you get into a policy that provides you with the right level of coverage for your situation while also giving you peace of mind.  

The state of Florida has different terms regarding auto insurance. Read on to understand how things would work if you are involved in an accident in Naples, FL.

The No-Fault System

The state of Florida is a no-fault state, which means that your insurance policy will pay even if the incident is not your fault. Say, for example, someone rear-ends you while you are waiting at a red light. Your indemnity plan will pay for damages and injuries immediately instead of you being forced to wait for the offender’s assurance policy to kick in and make recompense for damages.

The no-fault system is especially useful when the offending party does not have insurance. You do not have to suffer the brunt of paying out-of-pocket for repairs to your car or for medical bills just because someone decided to drive without proper assurance. Another benefit of the no-fault system is the simplicity. There is no need to opt into an underinsured/uninsured plan, which means that you know that you are covered.

Minimum Insurance Requirements in Florida

You cannot drive a vehicle legally in Naples FL and throughout the state without first obtaining an auto indemnity plan that pays at least $10,000 for personal injury and $10,000 for property damage. Bodily Injury Liability (BIL) is a separate form of coverage that the Florida Department of Motor Vehicles (DMV) may require drivers to purchase.

Let Pro America Insurance Help

It is important to note that, although the state minimum requirements are $10,000 for personal injury and property damage, it may be beneficial for you to buy more assurance. Imagine yourself having to pay thousands in out-of-pocket expenses for an accident that costs well over the $10,000 policy limit. Such is a possibility when you choose the bare minimum in insurance plans in Florida.

The experts at Pro America Insurance can help you find the auto policy that works best for your lifestyle in Naples, FL. Call them today for a quote!

The simple answer is that it depends on the type of policy that you have.  Whether you are considering changes to an existing policy or looking for new coverage, the knowledgeable team at Pro America Insurance works with individuals and businesses throughout the Naples, FL area to get the best coverage for their needs. 

Most vehicle owners have the required liability insurance as mandated by the State of Florida.  While this covers the auto repairs and medical expenses of the other party when you are in a wreck that you are found responsible for, they don’t cover your own expenses.  By adding collision and comprehensive auto policies, you are better protected should an accident or ‘act of God’ event occur.  It is these policies that will help you to recover quickly from a severe weather event.  The comprehensive insurance policy is designed to provide coverage in natural disasters.  It provides monies for repairs, for instance, when a tree limb falls on your vehicle.  It can go further when the damage results from hurricanes, tornadoes and hailstorms.  These policies are also created to protect from dangers such as fire, civil unrest, theft and damage from striking an animal. 

While comprehensive and collision auto insurance policies cover a broad range of events, it’s still important to talk with your agent at Pro America Insurance for the details about specific coverage.  They have lived and worked with individuals and businesses in the Naples, FL area so they understand the challenges that vehicle owners face every day.  They can help you find the adequate coverage you need at the price that suits your budget.  When you have questions about a current policy or available insurance options, give them a call then go visit their agents. 

The State Florida requires that everyone who operates a vehicle with four or more wheels carries an auto insurance policy. These regulations are in place to help people who suffer a loss due to an accident. Unfortunately, many people look at auto insurance as a hurdle to drive and take out minimum policies. These, and even mid-level coverage can be inadequate and it may be time to update your policy. The insurance professionals at Pro America Insurance are committed working with people in the Naples, FL community to create and update policies to provide secure coverage.

Minimum Auto Insurance Policies May Fall Short

Florida has low minimum coverage requirements compared to many other states. Drivers need only carry modest personal injury protection and property damage liability. And because Florida is a no-fault insurance state, you are basically on your own in terms of protection.

It’s easy to see how these coverage limits can easily fall short in the event of an accident. When considering the rising cost of health care, even a minor surgery or short stay in the hospital could quickly exceed minimum coverage requirements. These won’t even begin to help with rehabilitation costs from injuries or the loss of wages. In terms of property damage, replacing a new vehicle can be expensive. In order to be securely insured, motorists should consider the real-life costs of being injured, replacing property and the long-term effect that being out of work could have on your life.

The professionals at Pro America Insurance are here to work with people in the Naples, FL community to create and revise auto insurance policies that fit your needs.