Elementary Insurance Agency

Florida requires a FR-44 Insurance certificate state filing for drivers who have been convicted of a DUI or a DWI. FR44 Insurance is a financial responsibility insurance certificate and requires minimum limits for liability of $100,000/$300,000 for bodily injury and $50,000 for property damage. If the FR-44 Certificate is not maintained, the Department of Motor Vehicles can suspend driving privileges, ability to register vehicles in the state, and prevent the obtaining of state decals. Motorcycle owners are also required to file a FR-44 Insurance Certificate.  The Breakdown How long do I need one? The State of Florida decides the exact time limit case by case but in most cases it is a three year period.  How much does it cost? Insurance prices are determined by factors like age, location, driving record, and claims history. The most accurate rate will be requesting a quote from an insurer.  What information do I need on hand? Firstly, you will need your driver’s lic...

Grab the handlebars ladies and gentlemen. May is motorcycle month! Take the bike out for a long ride for us. Nearly 30% of all specialty vehicles are uninsured, underinsured, or require tailored coverage. We at Elementary want our bikers to feel covered always and we do not just mean wearing your brain bucket. Elementary offers Motorcycle insurance so while you are riding free, we hope you are stress free. Before we discuss the coverages we can provide, let’s talk about the recommended safety precautions you as riders need to consider.  CHECK YOUR BIKE BEFORE RIDING - Be sure to check the tires and wheels, controls, lights, fluids, chassis and stands before hopping on the bike.   BE A DEFENSIVE RIDER - Avoid riding in another driver’s blind spot, for instance, and don’t stay behind a large truck, where others may not see you.   AVOID ROAD HAZARDS - A motorcycle can be more prone to skids and bumps in the road because bikes have less contact with the pavement.   P...