mobile-callClick to Call
Express Insurance

710 Miami Springs Dr., Suite 120
Longwood, FL 32779

mobile-mapGet Directions

Who’s Protected by Your Auto Insurance?

Naturally, licensed drivers who are members of your household or are listed on your policy are covered by your auto insurance. But what about friends who may ask to borrow your car from time to time or visiting relatives who want to use your ride to visit local sights? If you’re not sure if these individuals are covered by your policy, talk to your Express Insurance agent in Longwood, FL. We’ll help you determine what drivers have protection under your auto insurance and what kind of protection they’ll receive.  


Friends who are not members of your household won’t normally be listed on your auto insurance policy. They can, however, receive protection under your coverage if you’ve given them permission to drive your car, assuming, of course, that they have a valid drivers license. If your friend has an accident and is found at fault, your insurer will pay for damages in accordance with the coverage of your policy.  You may, however, see a rise in your premium as a result. It’s best to be selective in who you allow driving your vehicle.  

Visiting Relatives

Visiting relatives are also covered under your auto insurance if they have valid drivers licenses and you give them permission to drive your car. Before loaning out your vehicle, it’s good to verify that your relative has a valid drivers’ license. You’d also do well to limit the use of your vehicle to people who drive responsibly as this will reduce the risk of accidents.   

Anyone who "borrows" your car without your permission will not be covered by your auto insurance, regardless of whether they are a friend or relative. 

To learn more about how auto insurance works, coverage options, and costs, talk to an Express Insurance agent in Longwood, FL. 

3 Driving Tips to Help Avoid Auto Accidents

Regardless of how safe of a driver you are, there is always a risk of an accident. There are millions upon millions of drivers in the United States and there are about 6-million car accidents each year. Fortunately, many accidents in Longwood, FL are simply small fender benders that do not result in injury; however, about one in every thirteen accidents does become a fatality. With just a little preparedness and safety habits, you can begin to avoid the risk of accidents. Here are just 3 tips to help you avoid car accidents.

Always Check the Rearview Mirror When Coming to a Stop

Whether you are driving in heavy traffic with a lot of stopping and going or you are slowing down for a traffic signal or stop sign, always check your rearview mirror before coming to a full stop. Leave at least 4 car lengths between you and the vehicle in front of you when checking your mirror. One of the most common causes of rear-end collisions is due to drivers not paying attention or slow reactions to the vehicle in front of them. By being aware of the driver behind you, you may have the opportunity to swerve out of the lane and avoid a rear-end collision, but always be sure it is safe to swerve over before doing so.

Avoid Right Lanes in Merge Areas

The right lane is typically meant for slower moving traffic; however, it is also the lane that is generally used for merging traffic. As drivers are merging onto a road, they often look ahead of them, to their side and behind them-this is a lot of distraction. If you are in the right lane while other drivers are merging into traffic, you may be at risk of getting rid by a merging vehicle. So, try to avoid right lanes at these times by moving over to the left, and then you can safely move back to the right lane after passing the merge.

Be Aware of Blind Spots

Properly adjusting the side mirrors and the rear-view mirror helps you have a good view of the area behind you but doesn’t always allow you to see everything. To avoid an accident due to a blind spot (an area not visible in the mirrors), you should turn your head and look directly into the lanes that are beside of you. Also keep in mind that other drivers also have blind spots, especially large equipment vehicles and semi-trucks, so be aware of those around you and their driving as well.

In many situations, an accident can be avoided by simply being aware of your surroundings and acting accordingly. Keep in mind that not only are auto accidents dangerous, but they may also increase your auto insurance policy. Avoiding accidents is the best way for you to stay safe and keep your premiums at a minimum.

Residents of Longwood, FL interested in reviewing their current auto insurance policy or upgrading their policy should contact Express Insurance.

Steps to Take if Your Car Has Hail Damage

Hail damage to a vehicle is very frustrating. One, it causes a lot of damage to a vehicle and, two, there is nothing that can be done in order to prevent it from happening. The damage is so drastic in some cases that the federal government will help with the costs if it is a particularly big storm. Unless you live in an area with a lot of thunderstorms, this is probably not an issue for you. If you do sustain hail damage to your vehicle, here are the steps that need to be taken. 

Contact Your Insurer Immediately – Don’t waste time in reporting damage. In many cases of hail damage, the damage happens to a lot of people in the region, meaning there will be a lot of claims. You want to get in early so you don’t have to wait too long to get your car fixed or get your settlement check. The longer you wait to report the damage, the longer you wait to hear back about your claim. In areas of substantial damage, this could be an extremely long waiting period. 

Take Pictures – Be sure to document the damage in order to have proof if the claim is disputed. This usually isn’t an issue with most insurers like Express Insurance in Longwood, FL, but it never hurts to be completely prepared. 

The most important thing that you need to do is make sure that your car is properly insured against hail damage before anything happens. An ounce of prevention is worth a pound of cure. This is especially true if you live in an area where this is a high probability. Most insurers will recommend the coverage as part of your plan when you shop with them. 

Should I Agree to Driving Monitoring to Lower Insurance?

A trend that has been increasing in the insurance world involves customers voluntarily agreeing to restrictions in their behavior that inherently reduces risk for the insurance provider. For example, health insurance policies have been giving Longwood, FL customers bonuses for quitting smoking, exercising or reducing their weight. In terms of auto insurance, the most common restriction/benefit offered is one where the driver agrees to have a monitoring tool installed in the vehicle to track speed and general driving location. According to Express Insurance experts, If the driver agrees and follows a voluntary restriction of driving slower, safer and avoiding specific hazards, he or she then gets a reduction in a related insurance premium the following billing cycle.

The fear of big brother watching, the idea that the government or some large entity is invading a person’s privacy, has always been a counter-argument. However, it’s important to understand that any kind of insurance monitoring on a vehicle is voluntary and agreed to by the customer. Unlike justice programs that require monitoring for penalties, the insurance monitoring only "watches" the car’s performance and specific measurements, like speed of travel. And a customer can end the monitoring as well when desired. Granted, the rate cut benefit then disappears as well. The two go hand-in-hand. That said, a good number of customers who have tried the monitoring agreement have found it was pretty simple, no great conspiracy, and a convenient way to save some hear-earned money on a regular basis.

To find out more about what sort of monitoring programs and rate cut benefits are available in the Longwood, FL region, car drivers can give the folks at Express Insurance a call or email. They can provide the details on which insurance company offer the option with car insurance and how it works. And a little bit of knowledge can go a long way toward adding some savings in the bank account.


Distracted Driver Facts

Safe driving campaigns often focus on the dangers of drinking and driving. Although driving while intoxicated is a serious risk, distracted driving incidents account for 80 percent of crashes, according to a recent Virginia Tech Transportation Institute study. Now, many areas, including Longwood, FL, are passing laws to prevent distracted driver accidents.

Types of Distractions

What causes a driver to lose focus on the road? Distractions are broken down into three basic categories: manual, visual, and cognitive. Manual distractions force your hands away from the wheel. Visual distractions take your eyes off the road. Cognitive distractions cause your mind to wander off the task of driving.

The following are the most frequent driver distractions:

  • Texting
  • Mobile Phone Calls
  • Mobile Web Browsing
  • Eating and Drinking
  • Using Dashboard Devices (Radio, mp3 player, GPS, etc.)
  • Talking to Passengers

How Serious Is the Problem?

In 2014 alone, the U.S. Department of Transportation attributed over 3,100 fatalities and 431,000 injuries to distracted driving. Each year, the number of accidents caused by text messaging and cell phone use is steadily increasing. More than 28 percent of all vehicle crashes can now be traced back to mobile phone use.

National surveys have shown that 90 percent of all drivers recognize the risk of driving while using a cell phone. However, three out of four drivers admitted to talking on the phone while driving and one in five acknowledged texting and driving. High school students are particularly high risk for distracted driving behaviors. In 2013, the CDC reported two out of five high school drivers stated they drove and sent out a text or email within the last 30 days.

Drivers must use common sense while on the road and put down the devices. Any distraction that takes their mind or body off of operating vehicle should be ignored. Driving safety is not only important for your well-being but your insurance rates as well.

Contact an agent at Express Insurance today to learn more about how we are helping serve Longwood, FL area drivers.

Am I Covered For A Hit & Run?

Living in Miami Beach can be a lot of fun, but it can also be dangerous on the roads. If you are involved in a hit and run, you want to make sure you have sufficient coverage for auto insurance. This means taking a good look at your policy and potentially adding on coverage.

In the state of Florida, you are required to have bodily injury as well as property damage liability insurance. If you are still making payments on your car or you are leasing, you may also be required to have collision coverage. Collision is always a good idea in the event you are involved in a major accident – such as a hit-and-run.

Then, you have to look at other forms of coverage that you may or may not have on your policy.

Do you have uninsured motorist coverage?

If you don’t know the person who hit you, they are going to fall under uninsured motorist. Having this coverage will provide bodily injury as well as property damage to help cover some of the medical bills, lost wages, and repairs to your car.

Do you have medical bills coverage?

The amount of medical bills involved can be high and you don’t want to pay anything out of pocket you can get away with it. Having this coverage can be very helpful.

Do you have PIP?

Personal injury protection is going to cover medical bills as well as potential lost wages that you have experienced as a result of the hit and run. It can be a very affordable form of coverage time to your policy.

Hit and runs can be expensive. Contact us at Express Insurance today and one of our agents can find auto insurance coverage that can provide protection in Miami Beach that is also affordable. We’ll get the quotes and more.



Top 5 Ways to Avoid Road Rage

A matter that affects many drivers across the globe, dealing with road rage is a scary concept for most motorists. Are you looking for tips to help you stay safe on the road and avoid triggering those who suffer from this condition? Keep reading.

5. Use Your Horn Sparingly– First and foremost, many instances of road rage begin with the simple sound of a car horn. While you may not mean any particular harm by pressing it, many take offense to being honked at and this causes an unfavorable reaction. Use your horn only when necessary, and never hold it for too long. 

4. Avoid Eye Contact – Many view eye contact as a direct challenge. If a driver is clearly irate, do not make eye contact with them and get as far away from them as possible. 

3. Don’t Annoy Other Drivers– While it may be tempting to weave in and out of traffic or play bumper tag with that super slow driver in front of you, this is also a surefire way to get someone riled up with road rage. Be as polite as you can, even with the worst drivers

2. Move Over if You’re Being Tailgated- It may be tempting to slam on those brakes and give the tailgater a taste of their own medicine, this is also a good way to make someone angry. Just move over!

1. Always Plan Ahead-  Given that many get into accidents and altercations when they are running late, planning your route ahead of time can save you tons of trouble and turmoil. 

Overall, ensuring that your car has enough insurance protection is the best way to avoid instances of road rage. Servicing the area of Longwood, FL, Express Insurance will give you all the coverage you need! 

What Insurance is Needed When Driving in Mexico

Driving in Mexico is not like driving in the United States. Everyone needs auto insurance from Express Insurance. Especially in the border towns, an automobile with license plates that are from the USA is an automatic target for trouble. This does not mean an American cannot drive their vehicle legally in Mexico. What is does mean is to drive a car with USA plates in Mexico is asking for trouble.

Here are a few common things that happen:

  • Police stop the vehicle for no reason – They will say things like you did not stop at a red light, when there is no traffic signal for miles.
  • ‘Supposed” police are Imposters – Just because a car or SUV has lights that make it appear to be a car of law enforcement; it is not necessarily a police car.
  • Mexican police regularly accept bribes – This is “mordida.” The bribe is usually just slightly less than the cost of the infraction. Simply hand this amount in an elegant, somewhat secretive, way to the palm of the police officer. In most cases, they will let you go. It does not matter at all if you did something wrong. In fact, you may have done nothing wrong at all. Nevertheless, the cost of paying this “mordida” is less that the cost of paying the fine in the police station. In Mexico, the police that actually put the paperwork to the police station get the assumption by the judges to be telling the truth. The judge will most of the time agree with the police officer.
  • Auto insurance in Mexico does not help at all in the case of a car accident. If no one is seriously hurt and only the cars have damage, the police officer serves as the final determinant of who is at fault for causing the accident. The expectation is to pay for the damages on the spot. Auto insurance is good but the money comes from the insurance company much later.

Auto insurance from Express Insurance helps. It is best to carry some money with you to pay on the spot to settle a claim from a traffic accident in Mexico. Get auto insurance from a trusted dealer in USA and carry some cash along for additional problems that might arise.