GreatFlorida Insurance - Anthony L. Borruso - Winter Park Insurance

Uber Insurance Quotes in Winter Park, FL

Anthony L. Borruso, Agent

407-740-5592

2221 Lee Road - Suite 20
Winter Park, FL  32789
Fax : 321-972-8855

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Uber Insurance Winter ParkUber Insurance

Driving for app based transportation companies is rapidly increasing in popularity. Whether you drive full-time for a rideshare company such as Uber or Lyft, or it is the source of additional income, make sure you are covered.

GreatFlorida Insurance is offering rideshare insurance to meet the growing demand from rideshare drivers for full coverage.
GreatFlorida Insurance is one of the few insurance companies in Florida to offer rideshare insurance. We make sure you, your passengers and your vehicle are protected while driving.

Our company offers a rideshare endorsement to supplement your auto policy. It fills in coverage gaps while driving for a rideshare company and keeps you covered while you drive for personal use.
Give us a call today at 888-478-7801 to discuss GreatFlorida rideshare insurance and speak to an agent in your area.

FAQ’s

Doesn’t the rideshare company’s insurance cover me while driving?
Uber and Lyft provide a $1 million insurance policy while a passenger is in your vehicle. It serves as your primary insurance during this time. The same coverage is not extended to drivers while you are logged into the app without a passenger.
Policies vary between the different rideshare companies, especially during the time when you are logged into the app but have no passenger in your vehicle.

Coverage Gap
Just because you are signed into the rideshare app does not mean you are covered. The time between logging into the app and a passenger entering your car, you could be uninsured or underinsured. This is considered a coverage gap.
While logged into the app, accepting a job, driving to a passenger and waiting for them to enter your vehicle, your personal car insurance is responsible for damages. During that time many rideshare companies have a policy that is “contingent,” making it a gray area.

Doesn’t my auto insurance cover me?
Most drivers with auto insurance have a personal auto insurance policy. It is intended for personal use not for commercial driving or driving-for-hire.
Unfortunately, personal auto insurance companies would be likely to deny your accident claim. When you are logged into a rideshare app, insurance companies consider that as driving-for-hire, so it would fall into the commercial driving category.

What if I do not make changes to my auto policy?
If your auto insurance discovers you are using your vehicle for profit, such as ridesharing without proper insurance, they can set the policy to cancel or non-renew. 

Additionally, should a claim occur while a driver is logged into the rideshare app and they do not have rideshare insurance, their claim can be denied by their auto insurance company.

Commercial auto insurance is also available to drivers who participate in rideshare but it can be more expensive and limiting when it comes to personal use. That is why GreatFlorida Insurance offers rideshare insurance, as a less expensive option to supplement your personal auto policy, while covering the gaps a rideshare company doesn’t cover.

Accidents are inevitable. Make sure you are covered during personal use and while ridesharing with GreatFlorida Insurance’s rideshare insurance.
If you are a rideshare driver, agents at GreatFlorida Insurance can make sure you get the proper coverage for you and your passengers. Contact us today to discover all the auto insurance options available for you.

Simply call 407-740-5592 or complete our online quote request form. A GreatFlorida Auto Insurance Agent in Winter Park will help you find the best deal for you.

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Florida Uber  Insurance Blog
by GreatFlorida Insurance
1/16/2019

Florida could become one of the first states to allow drivers to present a digital driver’s license stored on cellphones as proof of identification.

“It seems like an obvious transition with so much of our lives currently stored on our phones,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency.

An electronic driver’s license legislative bill will be introduced this spring.  It is likely to be packaged with a proposal to create a database enabling police to access a driver’s auto insurance status as well.

Many benefits have driver’s excited over this proposal. Losing a driver’s license would not be so inconvenient and few would argue against having to visit the Department of Motor Vehicles for a replacement.

Also, a statewide data base would improve the chances of the police to catch uninsured drivers because the information is updated in real-time, unlike a hard copy of an insurance card or driver’s license. “This could help reduce the high percentage of uninsured motorists across the state,” says Ellsworth Buck, Vice President of GreatFlorida Insurance.

The electronic database however, would not replace traditional driver’s licenses, merely be supplemental. Almost all states in the U.S. currently recognizes electronic copies of auto insurance cards so a driver’s license seems the next logical progression.

According to the Sun Sentinel, 14 other state are also developing, studying and considering an electronic credentials program. They report, it could also be used for traffic stops, voting and purchasing liquor and any other reason you may need to present your driver’s license.

Security

While the advancement in technology is convenient, is it safe? Privacy advocates have expressed serious concern over the digital license. DMV.org reports, “many have openly worried that the trade-off for shiny screens and more convenience will be greater susceptibility – to police officers who are a little too curious, hackers looking to abuse the system, or anyone interested in stealing our identities, whether individually or en masse.”

Logically, a new database of information seems vulnerable to information hungry hackers. Yet, a digital driver’s license would be protected by passwords, PINs and other security features in addition to the typical security built into phones. If a plastic driver’s license is stolen or lost, you also face the same risks of someone taking your information without security protections.

GreatFlorida Insurance has knowledgeable agents across Florida who are committed to finding you the most affordable car insurance to fit your needs. Call 888-478-7801 or online at www.greatflorida.com for a free quote today.

The post Could Electronic Driver’s Licenses be in Florida’s Future? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
1/9/2019

Who doesn’t want a fresh start in the new year? Setting goals for the upcoming year to improve our lives can help us to stay focused on success.

“In an effort to live a happier, healthier life many of us come up with a resolution,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

However, Forbes.com reports, 80 percent of New Year’s resolutions fail because people are overly ambitious with their goals. This statistic should not keep you from coming up with a resolution. But maybe focus on setting one that is more realistic to achieve.

So where do you start? Try evaluating a few areas of your life that you feel inspired to improve.

Health

Maybe you need to remove or add something to your diet to help you lose weight or lower your cholesterol. The Mayo Clinic reports, regular exercise can increase self-confidence, improve your sleep and reduce symptoms associated with mild depression and anxiety.

Finances

Money is a sensitive subject, but we can all agree, being anchored to debt is no way to live. Establishing a realistic budget can provide peace of mind. Financial guru, Dave Ramsey says establishing a budget will also reduce stress, build for the future, provide responsibility, as well as a help you dig your way out of debt.

Time

If you feel like you do not have enough time in the day, you probably need to re-evaluate your calendar. Extracurricular activities are great, but they can become a drain on your time. Plan vacations, date nights and family time in advance and stand firm to those dates. Also, remove activities that are not in line with your greatest values.

“Reclaim your schedule,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

Stuff

Do not underestimate the power of the clutter you have in your life. Clutter causes stress. An overabundance of stuff can be draining. Less stuff translates into less energy spent organizing and re-organizing and more time spent on the things you enjoy. De-cluttering your home gives you more control over your life.  It allows you to identify what is important and what you no longer need hanging around.

Author and Netflix star, Marie Kondo, encourages people to surround themselves with items that offer positive. She explains in her book, The Life-Changing Magic of Tidying Up, “We should be choosing what we want to keep, not what we want to get rid of.”

GreatFlorida Insurance provides homeowners insurance coverage for the things that matter to you and your family. Get a free quote today.

The post A Fresh Start in 2019 appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
12/26/2018

We are in the season where more people are coughing and blowing their nose. But, when is it necessary to see a doctor? What may seem like a simple cold can turn into a more complicated condition.

“While colds might not be severe, cold symptoms can take a lot out of you” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent health insurance company.

In fact, colds can wear down your immune system, leaving your body vulnerable to other health issues. Colds typically last for two weeks then go away.

So how can you tell if you have a cold or something more serious, like the flu? According to the Centers for Disease Control and Prevention (CDC), the common cold and flu are both respiratory illnesses with similar symptoms. However, those suffering from the flu have more intense symptoms along with fever and chills.

“If you are not sure if you or a family member needs to see a doctor, always call your physician’s office to get advice,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent health insurance company.

Below is a list compiled from consumer health website, EverydayHealth.com, of symptoms that require medical attention.

Children

  • Fever above 103 F or a fever that lasts more than three days
  • Symptoms that last more the 10 days
  • Trouble breathing, fast breathing or wheezing
  • Bluish skin color
  • Earache or drainage from the ear
  • Changes in mental state, such as not waking up, irritability or seizures
  • Flu-like symptoms that improve, then return with a fever and a worse cough
  • Worsening of a chronic medical condition

Adults

  • A high, prolonged fever above 102 F
  • Symptoms that last more than 10 days or get worse
  • Trouble breathing or shortness of breath
  • Pain or pressure in the chest
  • Fainting or feeling like you are about to faint
  • Confusion or disorientation
  • Severe, persistent vomiting
  • Severe pain in your face or forehead
  • Hoarseness, sore throat or a cough that won’t go away after 10 days

If you are looking for affordable and dependable health insurance for your family, give GreatFlorida Insurance a call today.

GreatFlorida Insurance is a authorized vendor of health insurance for Blue Cross & Blue Shield.

GreatFlorida Insurance is a authorized vendor of health insurance for Blue Cross & Blue Shield.

The post When to See the Doctor appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
12/11/2018

Not everyone on the road this time of year is interested in spreading holiday cheer.

A new study by smartphone app GasBuddy says, individual’s driving habits are 175 percent more aggressive during the holiday season compared to the rest of the year. According to the study, Florida ranks 6 for states with the worst holiday drivers.

Their data also revealed that aggressive driving habits occur most during the beginning of the season, with more instances happening during the drive to the holiday destination, rather than on the return trip.

“People are under a lot of stress during the holidays and tend to lose their patience while driving,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent car insurance agency.

Aggressive driving is considered, hard breaking, speeding and quick accelerating.

A study by the AAA Foundation for Traffic Safety found nearly 80 percent of drivers expressed anger, aggression or road rage behind the wheel at least once in the previous year. They also report, over half of fatal crashes involved at least one driver who performed an aggressive action.

AAA recommends drivers, “Manage your behavior, manage your responses.” Do not be personally offended when you see other drivers doing something illegal or inconsiderate. Many drivers this time of year are rushed or distracted, so try and be forgiving. Also, do not respond or make contact with an aggressive driver looking for a confrontation.

Additionally, AAA reminds drivers, to remain calm and courteous while driving, it lowers your risk of a dicey encounter with another driver.

Their tips for dealing with hostility on the road:

  • Avoid eye contact with angry drivers.
  • Don’t respond to aggression with aggression.
  • If you feel you are at risk, drive to a public place such as a police station, hospital or fire station.
  • When you park, allow room so you can pull out safely if someone approaches you aggressively.
  • Use your horn to attract attention but remain in your locked vehicle.
  • If you are confronted, stay as calm and courteous as possible.
  • If you feel threatened, call 911.

“Florida does not require motorist to carry bodily injury coverage. So, if you are hurt by an aggressive driver who does not carry that coverage, you are responsible for the cost of your medical expenses,” reminds Buck with GreatFlorida Insurance.

Make sure you are properly covered through your auto insurance policy or health insurance plan, call GreatFlorida Insurance today.

The post Aggressive Driving Increases During the Holidays appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
11/28/2018

Floridians can finally enjoy the arrival of dry season. With it brings relief from oppressive heat and humidity along with cold fronts and cooler temperatures.

However, the Florida Forest Service also reminds us, drier days increase the chance for forest fires. So far in this year, 93,000 acres have burned across the state.

“Following fire-safe practices can protect your family and home,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

To keep you and your home safe during these drier days, below are some tips.

Clear out dry vegetation-get ride of pine needles, dry leaves, dead palm fronds, dead sticks and twigs in your yard.

Don’t forget the roof-remove dry vegetation from the roof and clear out your gutters. Eliminate any overhang from trees as well. Cut any tree branches within 10 feet of your roof.

Mowing-cut dry weeds and grass before noon when temperatures are cooler.

Pick-up-keep woodpiles, propane tanks and combustible materials away from your home, garage or shed.

Water!

“To take your home protection a step further, the Florida Forest Service recommends creating a defensible space around your home,” says Ellsworth Buck, Vice President of, GreatFlorida Insurance Florida’s top independent homeowners insurance agency.

A defensible space, is Fire Wise landscaping. It increases the likelihood that your home will survive a wildfire even in the absence of firefighters. The U.S. Forest Service explains, Fire Wise landscaping is designed to minimize the spreading of a forest fire.

Your yard is split in four zones. Each zone represents a certain amount of space that extends from your home.

Zone 1, 0-30 ft. “defensible space”-plant nothing flammable against your home.

Zone 2, 30-60 ft. “fuel reduction”-use raised beds, stone walkways and patios.

Zone 3, 60-100 ft. “transition zone”-driveways within this zone provide a break.

Zone 4, 100 ft. + “perimeter zone”-even at a distance, it is important to maintain vegetation.

GreatFlorida Insurance offers homeowners insurance to fit your budget and your needs. Give us a call or go online for a quote today.

The post Preparing for Dry Season appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
11/20/2018

Tuesday, November 27, marks the seventh year of #Giving Tuesday. #Giving Tuesday kicks off the charitable season, when many focus on their holiday and end-of-year giving. It is a day to celebrate and encourage donations and volunteer activities that support charities and non-profit organizations.

“Getting involved with a charity in your community is a valuable investment,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

The #Giving Tuesday website provides a directory to help you find charities and events in your community participating. Actually, thousands of organizations across Florida are participating. They are championing a variety of causes such as caring for seniors, displaced people, children, animals, charities trying to eradicate disease and abuses, those fighting for environmental issues and much more.

Ways to Participate:

  • Donate to your favorite charity or non-profit.
  • Volunteer your time at a local organization.
  • Start your own fundraiser on Facebook. The #Giving Tuesday website walks you through instructions.
  • Do something kind- pay an elderly relative a visit, bake cookies for a neighbor or offer to sweep sick friend’s driveway.
  • Document your activity on social media and spread the good cheer!

The entire family can participate. Teaching children the importance of generosity benefits them. They become less self-focused, while connecting with the world and the needs of others.

Giving enhances the life of the receiver as well as the giver, making our world a more compassionate place.

“Thanksgiving is an ideal time to express my gratitude to our phenomenal independent agents and their staff for all their hard work to make GreatFlorida Insurance a success. Also, a big thanks to all our customers. It is our honor and pleasure to serve you and your families,” says Ellsworth Buck, Vice President of GreatFlorida Insurance.

GreatFlorida Insurance is ready to protect your house and family with reliable homeowners insurance. Give us a call for a free quote today.

The post Get into the Holiday Spirit With #Giving Tuesday appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
11/13/2018

Holiday Spending Forecast

Holiday sales are likely to surpass the trillion dollar mark this year for the first time ever, according to eMarketer, a market research company. They anticipate a 5.8 percent increase compared to last year, marking the strongest growth in holiday spending since 2011. The surge in spending is attributed to low unemployment and strong income growth, translating into greater consumer confidence.

“With retailers anticipating more spending, shoppers can find plenty of deals,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

Thanksgiving Store Closures

So, can shoppers enjoy Thanksgiving Day, without feeling like they are missing out on a bargain? This year nearly 100 popular national and regional retailers will not be open on Thanksgiving Day. Website, bestblackfriday.com, has a comprehensive list of store closings, including, Costco, Publix, TJX Group (T.J. Maxx, Marshalls, HomeGoods) and Home Depot.

In a survey conducted this year, the website found 24 percent of Americans favor Thanksgiving openings, while over 47 percent dislike Thanksgiving openings. Bestblackfriday.com discovered the common theme of “family-time” cited as the reason most retailers remain closed on the holiday.

When to Purchase

However, closing one day still leaves plenty of days for shopping. “Planning ahead seems the best way to get the most for your money,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent homeowners insurance agency.

While many retailers are already offering great bargains, the biggest deals will most likely be found on Black Friday and Cyber Monday. However, will you still be able to find what are looking for if you wait until then? Adobe Analytics tracks online shopping and has come out with their annual holiday forecast. Their recommendations, if you have a specific item you want to purchase, buy it before Thanksgiving.

Adobe Analytics’ findings include:

Best Days for Deals

11/22, Thanksgiving-sports goods

11/23, Black Friday-electronics (including tablets), TV’s and computers

11/25, Sunday-apparel, appliances, jewelry

11/26, Cyber Monday-toys

11/27, Giving Tuesday-furniture and bedding

 

The post Strategic Holiday Shopping appeared first on The GreatFlorida Insurance Blog.