Driving around uninsured is both illegal and very expensive. Insurance Institute reports that the average loss per claim on cars is around $4,900. There are many options when it comes to pick from when it comes to Auto Insurance, which is only further reason you should never go without. Within auto insurance you are covered by liability coverage, collision coverage, and comprehensive coverage. Collision coverage protects the cost to repair or replace your car if it is totaled or damaged in an accident. Liability coverage will cover the cost of any injuries or damage caused by an accident that you were responsible for. Lastly, comprehensive coverage covers your losses in situations such as theft, flood, fire, or vandalism.

2. Homeowners/Renters Insurance

Homeowners insurance protects more than just your house! From losses of personal items during a hurricane to personal items being stolen- homeowners insurance has you covered! The damages your house experiences during any situation, whether it is caused by a natural disaster or human error such as theft, homeowners insurance has you secured. Homeowners insurance also includes protection and coverage caused by Damages to the home and even unattached buildings like your shed and garage. Liability protection is also included in case of an unexpected injury on the property. The cost of medical bills in the situation of an unexpected accident are also covered.

3. Umbrella Policy

Many people don’t understand the importance behind the Umbrella Policy. The umbrella policy is a type of insurance that creates an extra layer of protection for both you and your assets when you need coverage that exceeds the limits of your homeowners or auto insurance. For instance, if you’re at fault for a multiple-vehicle accident, medical bills and property damages could quickly add up to more than your auto insurance will cover. If you’re sued for the difference, your savings, your home and even your future wages are placed at risk.

4. Health Insurance

Just like securing a safe place to live and clean water to drink, health insurance is an essential key factor in life. If you’re uninsured, you’re putting yourself at risk of being vulnerable to a potential financial disaster. Don’t put yourself at risk to be in that situation. One unexpected severe medical emergency can create up to hundreds of thousands of dollars in expenses.

5. Long-Term Disability Insurance

Slightly over one in four of today’s 20-year-olds will reach a stage of disability before reaching the age of 67, according to the Social Security Administration. Long-term disability is at times not seen as crucial but in all actuality it is. Long-term disability insurance protects you from loss of income if you experience any unexpected and tragic situation which may leave you unable to work for a long period of time. A permanent disability and or illness has the risk of sidelining you and your ability to work. Don’t take any chances.

6. Term Life Insurance

Too many people take life insurance too lightly. Picture this: If you or your spouse were to pass away unexpectedly, how would the remaining spouse proceed with expenses without your income? In times of devastation and grief, your spouse last worry should be about surviving financially in the instance of your absence. According to The Insurance Information Institute, a horrifying statistic of only 70% of Americans carry life insurance. By purchasing a term life insurance policy for approximately 10-12 times your yearly salary, your family has the ability to be worry free when it comes to financial obligations such as house payments and college tuition.

With the tag line “More Options. More Savings”​,​ Triton promotes the ability to offer clients hundreds of quotes from leading carriers. The agency offers home, auto, umbrella, business and worker’s compensation products. Since 1993 Triton Agency has forged a path leading the way through Florida’s very complex insurance environment. Call us today for more information!

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If your carrier coordinates benefits with Auto Insurance here is how that works. In an auto accident, your auto insurance is primary coverage, any deficit in payment would fall to your Health Carrier. Your Health Carrier would then review what has been paid by the Auto Carrier in order to determine if you have any benefit left. This means that if your Auto Carrier paid the max that your Health Carrier would have been responsible for they could deny any additional payment. Pretty complicated right? Yes, this is why I always recommend that clients carry Uninsured Motorist to eliminate gaps. We are all unfortunately subject to our plan deductibles and limitations. Uninsured Motorist coverage has very few limitations and could make you whole after an accident.

Always read the fine print and get the advice of a licensed agent when deciding what coverage to purchase.

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