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A. L. Saland Insurance Solutions, Inc Blog

5 Things You Should Do if You’re in an Accident

No one ever expects to be in an accident, but unfortunately, they happen every day. If you find yourself involved in a car crash in Florida, there are some important things you should do to ensure everyone’s safety and to protect your interests.

At A. L. Saland Insurance Solutions Inc, we want to make sure you’re prepared for anything.

Here are five things to do if you’re ever in an accident:

1. Check for Injuries and Render Aid if Necessary

Before anything else, check if any vehicle occupant has injuries. If there are casualties, call 911 to get them medical attention. Resist the urge to move an injured person as this may worsen their condition.

2. Move Your Vehicle Out of the Way of Traffic, if Possible

Once you’ve ascertained that everyone is okay, you should try to move your car off the road if you can do so safely. If you can’t move your car, turn on the hazard lights. It’s important to get out of the way of oncoming traffic to avoid further accidents.

3. Call the Police

Even if the accident doesn’t seem serious, it’s always a good idea to involve the police so that there’s a record of what happened. The police will also be able to direct traffic around the accident scene and help keep everyone safe. 

4. Gather Information About the Other Driver and the Accident Itself

While you’re waiting for the police to arrive, take a moment to collect some basic information, such as their name, phone number, address, and insurance company details. It’s also a good idea to take pictures of the accident scene with your cell phone so that you have a visual record of what happened.

5. Get in Touch With Your Insurance Company Promptly

As soon as you can after an accident, contact your insurance company and let them know what happened. They will likely want to send an adjuster out to assess the damage and begin working on your claim right away. However, you’ll first need to have the right insurance in place to protect you from the financial repercussions of an accident. 

Protect Yourself on the Road With Insurance

No one plans to get involved in an accident, but knowing what to do if it happens can make a big difference in terms of safety and protecting your interests financially. By following these five steps, you can help ensure everyone’s safety and give yourself the best possible chance of getting fairly compensated for any damages incurred.

At A. L. Saland Insurance Solutions Inc, we’re here to help Florida drivers secure the auto insurance coverage they need to protect themselves on the road. Give us a call today to learn more about our policies and how we can help you.

7 Factors that impact life insurance in Florida

A. L. Saland Insurance Solutions Inc. wants to take the guesswork out of life insurance.

Serving the state of Florida, our seasoned agents understand that underwriting and calculating insurance rates can be confusing to understand. 

Here are seven demographic, health, and lifestyle factors that directly impact life insurance premiums:

Policy type

Term limits and length influence both premiums and payouts. As a general rule, permanent life insurance is more expensive since it guarantees death benefits.

Age

Life insurance becomes more costly as you age. Since younger people have longer life expectancies and more time to pay for premiums, rates are typically lower. 

Gender

Like younger individuals, women also have longer life expectancies when compared to men. In fact, women in the U.S. live an average of five years longer.

Medical History

Insurers will review your medical history for any pre-existing conditions. Chronic ailments, like cancer or heart disease, increase premiums or may disqualify you from a policy altogether.

Family History

Your family’s medical history will be reviewed as well. A pattern of illness could produce the same results as above, even if you’re currently healthy. Underwriters must weigh the risk of you developing future problems later in life.

Employment History

Some occupations are simply more dangerous than others. Jobs, like construction or commercial fishing, add heightened risk and higher premiums.

Lifestyle

How you spend your free time matters too. As part of their risk assessment, insurers will try to get a complete picture of your hobbies, behaviors, and overall lifestyle.

Find an agent serving Florida

A. L. Saland Insurance Solutions Inc. does more than just educate our clients. Our experienced staff is determined to craft a life insurance policy that best meets your needs. Call and set up an appointment today.

Tips for First-time Homeowners Looking To Buy Home Insurance in Florida

As a first-time homeowner in Florida, you may wonder what kind of home insurance coverage you need. A. L. Saland Insurance Solutions Inc can help you get the right coverage for your needs and budget.

Know What Kind of Coverage You Need

There are a few things to consider when determining how much coverage you need for your home insurance. The first is the value of your home and possessions. An appraisal or a home inventory can determine this.

The second is the amount of liability coverage you need. This amount will depend on factors such as the value of your assets and the likelihood of someone suing you. The third is the deductibles you are willing to pay. Higher deductibles will lower your premiums, but you must pay more out of pocket if you make a claim.

Finally, you should consider any special risks that apply to your situation, such as whether you live in a flood zone or an area prone to wildfires.

Bundle Up

When buying home insurance for the first time, ensure you get the best possible deal. One way to do this is to bundle your home insurance with other types, such as auto or life insurance.

Bundling can often save you money on all your premiums and make it easier to keep track of your coverage. In addition, bundling can give you peace of mind by knowing that all your assets are protected in one place.

Get Home Insurance in Florida

A. L. Saland Insurance Solutions Inc can help you find the right home insurance coverage for your needs and budget. We will work with you to make sure you have the protection you need and that you are getting the best possible deal. Give us a call today to get started.

How Do I Qualify For Medicare Insurance?

To enroll in Medicare, you should be 65 or disabled and have a Social Security Number. You can also enroll in Medicare at any age if you have end-stage renal disease, a condition that limits your kidney function and causes high blood pressure. 

There are some exceptions, such as if you have a condition that would have prevented you from signing up for Medicare when you were eligible. Those with Lou Gehrig’s or amyotrophic lateral sclerosis at any age can try. Don’t hesitate to seek help from the Florida agency, A. L. Saland Insurance Solutions Inc. 

Qualifying for Medicare Insurance 

You must have been age 65 or older by June 5, 2017, and a U.S. citizen or permanent resident. You may apply for Medicare coverage if you are receiving Social Security disability benefits or if you have end-stage renal disease. You must have worked at least 10 years in the United Red Cross blood donation or have completed a minimum of three years in the United States. 

In most cases, you must also have qualified medical coverage for at least 90 days before applying for Medicare. You may qualify for a special exception if you are in a situation of domestic violence or sexual assault. 

To be eligible, you must have been covered by a qualifying health plan at some point during the past six months. To be covered by a qualifying plan, it must cover at least 60% of all costs for covered benefits. 

If you turn 65 or older, you can qualify for Medicare if you have worked for at least 10 years, have the end-stage renal disease (kidney failure) or are dependent on someone with end-stage renal disease, have amyotrophic lateral sclerosis (Lou Gehrig’s disease) or are a dependent of someone with amyotrophic lateral sclerosis, have been disabled for at least 6 months, or are a widower or widow. 

If you qualify for either type of Medicare, you can then choose between the traditional Medicare program and one of the Medigap plans to cover the costs of prescriptions. 

In addition, you must have paid Medicare taxes for at least 40 quarters if you were age 21 or older when you first earned income that was subject to the Social Security flat rate. Lastly, you must have been medically insured for at least 60 months (three years) and have been receiving Social Security benefits for at least 36 months. 

Contact Us Today

Besides the aforementioned tips, to be eligible for Medicare, you must be enrolled in a qualifying plan, have ended active employment, or have a disability. In some cases, you should’ve ended active employment. Visit A. L. Saland Insurance Solutions Inc for inquiries in Florida.

What Are The Different Types Of Disability Insurance?

Disability insurance mainly consists of long-term and short-term coverage. If you can’t work for at least 90 days, the long-term coverage gives you part of your income. Short-term usually covers you if you can’t work for a few days due to a serious illness or injury. If the condition deters you from normal activities, you can also purchase medical insurance to cover a certain percentage of your medical bills. Other types of disability insurance include parent/family leave, critical illness, and accidental disability. A. L. Saland Insurance Solutions Inc serving in Florida can help.

What to Know About Disability Insurance 

Whether private or government insurance, each comes with its benefits and drawbacks. After that waiting period, you will receive a set amount of money each month, depending on your policy. Government disability comes with no waiting period, but you will only receive a set amount of money. The common types of disability cover include: 

  • Short-term disability insurance
  • Long-term disability insurance
  • State disability insurance
  • Workers’ compensation
  • Disability overhead expense insurance
  • Mortgage disability insurance
  • Supplemental disability insurance
  • Social Security disability insurance

Short-term disability will typically provide 40% and 60% of your income if you cannot work for between 7 and 12 months. Long-term disability can kick in after a specified period or if you have exhausted your short-term benefits. Long-term disability will typically offer 40% and 60% of your income if you cannot work for more than 12 months. 

Critical illness insurance can help you cover treatment costs for serious illnesses, such as cancer. Disability insurance can be taken out as a single policy or in combination with other types of insurance. You can package it as an employee benefit or separately. This insurance comes in several different types, but the main goal is to cover your financial needs whenever you can’t work. 

Contact Us Today

Whether private or governmental, you should understand each type before making a purchase. Private disability insurance is typically purchased through an insurance carrier and is most often used to protect a company’s profits rather than an individual’s income. For expert advice, give us a call at A. L. Saland Insurance Solutions Inc in Florida.

What You Need To Know About RV Insurance

RVs provide the perfect combination of travel and accommodations. Many people are starting to realize the great benefits of RV ownership and even the benefits of living a full-time RV life. If you spend a good deal of time in your RV, you need to make sure you have the proper insurance in place. At A. L. Saland Insurance Solutions Inc. we can help you better understand your RV insurance options in Florida. Keep reading to learn more. 

What You Need To Know About RV Insurance 

RV and Auto Insurance Are Not The Same

The first thing you should know as an RV owner is that RV and auto insurance are not the same thing. RV insurance will provide a wider scope of coverage. This is because the RV will house some of your personal belongings. If the RV also serves as your residence, then you will need to discuss this with an insurance agent. This professional will be able to talk about how you can customize the policy to fully cover you as an RV resident. 

What Does RV Insurance Cover?

RV insurance is similar to auto insurance in some ways. For instance, RV insurance will provide coverage for damage to the RV or to other vehicles if the RV is involved in an accident. If the RV is damaged or lost because of a fire, storm, or even burglary, the policy can pay for repairs or replacement of the vehicle. 

The difference, however, is that RV insurance will also provide coverage for your personal belongings within the RV. If you only use the RV for a certain part of the year, you can also get a specialized policy that is only active during that time. 

If you would like to learn more about RV insurance, please contact us at A. L. Saland Insurance Solutions Inc serving Florida. 

Questions you should ask before you choose a health insurance policy

Talking about stress, choosing your health insurance plan is one of the most stressful things you do every year. It is such an important decision that it cannot be taken lightly. You will have to live with that decision for a year, be it good or bad. Before you make a decision,  there are some questions that you need to ask. At A. L. Saland Insurance Solutions Inc in Florida, we are independent insurance agents and are dedicated to personalizing the experience of all of our customers. We work to make sure your insurance provides what you need it to at a price you can live with. 

How much does the insurance cost per month?

While price is only one factor and isn’t even the most important one, it has to be considered. No matter how good of a fit a policy is, if you can’t afford to pay for it, it won’t do you much good. 

What is the deductible?

These days, high deductible policies are all the rage, but if your deductible is so high you never get any coverage, the plan won’t be much of a benefit. 

Is my doctor in-network?

Every plan has a network of providers. Not every doctor is in every network, and if you have a doctor you prefer to use, they must be in the network. Especially if they are your primary care physician,  they will have a lot of input into your healthcare. 

Does the policy have drug coverage?

If you take prescription drugs, you need to know that your health insurance provides prescription coverage. The drugs are listed in a formulary in tiers. Each tier has a copay, and some also have a deductible. Not every drug is included, and in some cases, you will be required to use a generic rather than the brand name. 

Contact A. L. Saland Insurance Solutions Inc in Florida when you are ready to use our assistance in choosing your health insurance.

 

Why An Automobile Insurance Policy Is Important

Why An Automobile Insurance Policy Is Important

Wondering what the benefits of getting an insurance cover for your vehicle are? There are many car insurance benefits, especially right after an accident happens. The main benefit of insuring your vehicle is to save you money, whether you caused the crash or are a victim. Another benefit is to comply with certain area traffic laws. If you live in Land O Lakes, Florida, A. L. Saland Insurance Solutions Inc. takes care of all your automobile insurance needs and spares you from negotiating with other drivers and property owners involved in the accident.

Is Automobile Insurance Mandatory?

Yes, all drivers must carry automobile insurance and show proof in the vehicle when driving on any road in Florida.

Does an Insurance Cover Save You Money?

Yes, a good insurance policy can save you money when you don’t have to pay for damages. Car accidents are common, and while you may be very careful on the road, you are always exposed to situations by other drivers. In the unfortunate instance that an accident happens, the guilty driver is supposed to cover all costs. The costs include medical fees, legal fees as well as lost income.

Without a certain automobile insurance cover, the driver is forced to pay for the costs out of his pocket. However, with an automobile cover, the insurance company covers the vehicle’s repair and, in some instances, even replaces it. With an automobile insurance cover, you will end up paying less if you are involved in a large accident. A head-on crash accident can end up costing you huge monetary losses, but with a policy, you will end up paying very little for the accident.

How can A.L. Saland Insurance Solutions Inc. Help You Reap the Benefits of Auto Insurance?

If you live in Land O Lakes, Florida, A. L. Saland Insurance Solutions Inc. will guide you in choosing the most suitable compatible insurance group for your vehicle model, which damages each policy covers and explains its benefits to you clearly and professionally.

Exploring The Different Types Of Life Insurance Policies

A.L. Saland Insurance Solutions Inc helps Florida residents find coverage. We offer our clients multiple types of policies to help them protect what matters most. We work with multiple carriers across the state. This allows us to offer flexible policies that fit specific individual situations. We strive to offer exemplary customer service. We look forward to serving you.

A Look At The Different Types Of Life Insurance Policies

Life is full of unexpected twists and turns. Sometimes accidents arise that you aren’t prepared for. During those times of uncertainty, it’s good to have a safety net. Thinking about what your legacy will be after you have passed away is an uncomfortable topic for many people. However, life insurance can assist you in this situation. Life insurance helps you leave a foundation for your loved ones as they try to move forward following your passing. The policy can help your loved ones finalize your funeral arrangements to ensure that you receive proper service. The policy can also help your loved ones settle any leftover affairs that you have. Perhaps you are a Florida business owner and your life insurance policy is designed to help your loved ones run the business after you have passed away. You can also leave something behind for your children to help them pursue their dreams. Here’s a look at the different types of life insurance policies

Term Life Coverage

Term life policies provide coverage during a specific time frame. The minimum time frame for a policy is 5 years while the maximum time frame is 30 years.

Whole Life Coverage

Whole life policies cover you throughout your entire lifetime. This adds a layer of comfort that something will be there for your loved ones if you suddenly pass away.  

A. L. Saland Insurance Solutions Inc Will Help You Cover Your Assets

Visit our website to learn more information about life insurance.

What Are The Threats Of Not Having Home Insurance?

Unlike car insurance, homeowners insurance is not mandatory. However, having this insurance is a smart decision because it is one of the smartest ways to protect your home. If you decide to skip it anyway, here is a list of risks you may face: 

It Will Be Expensive To Repair Home

If something happens to your home, and you do not have home insurance, you will have to cover all the expenses yourself, which can be very expensive. 

You Can Be Sued

If a visitor or guest gets hurt on your property, they may sue you for everything you are worth, even including your home. As a result, you may have to pay litigation fees and cover their medical bills. However, if you have insurance, there is nothing to worry about  – your policy will cover everything. 

You May Lose Your Belongings To Burglary 

If someone breaks into your home and steal your personal belongings, your loss will not be covered, and your personal stuff will not be replaced because you do not carry home insurance. Unfortunately, this happens more often than you think, so skipping home insurance is quite risky. 

Violation Mortgage Clause

Most mortgage lenders require homeowners to have proper home insurance. Therefore, failing to maintain insurance can be grounds for foreclosure. As a result, you may be at risk of losing your home if you decide not to purchase home insurance. 

A. L. Saland Insurance Solutions Inc in Florida – Your Safety Is Our Priority

If you are a homeowner from the state of Florida and you are searching for an insurance company to purchase home insurance, A. L. Saland Insurance Solutions Inc is the right place to contact. Our qualified and experienced insurance agents are ready to answer your questions and help you find an insurance plan based on your needs. You can visit our website for more information or give us a call. 

Why Work With Us?

  • Locally owned and operated
  • Works with multiple carriers
  • Combines policies for best rates
  • Customer friendly services
  • Print out your auto ID cards from home, anytime!

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Partner Carriers

  • Aetna
  • Aflac
  • Allstate
  • Banner
  • Cabrillo
  • Cigna
  • Citizens
  • Edison
  • FedNat
  • Florida Peninsula
  • Gainsco
  • GeoVera
  • Guardian
  • Hagerty
  • Heritage
  • MetLife
  • Monarch
  • Neptune
  • Safeco
  • Security First
  • Tower Hill
  • Travelers
  • TypTap
  • Universal PC
  • Wright Flood