http://www.filerins.com/blog/View Filer Insurance's Website Blogen-uspostmaster@www.filerins.comInsurance Website Builder - www.insurancewebsitebuilder.comurn:uuid:5172f6b8-d933-401d-a576-0e39a5b54131urn:uuid:eae245fa-c55e-4722-b4de-d70883ce6369<img src='http://www.filerins.com/img/~www.filerins.com/couple_in_car.jpg' align='left' />Comparing car insurance quotes is about more than just looking at two numbers and choosing the lower one. You must also think about how the policy protects you, how it differs from the others you are considering and whether you trust the insurer to b...Tue, 21 Feb 2012 11:40:12 -0600<img src="http://www.filerins.com/img/~www.filerins.com/couple_in_car.jpg" style="float: right; margin-left: 7px; border-width: 0px; border-style: solid;" alt="Couple In Car" />Comparing car insurance quotes is about more than just looking at two numbers and choosing the lower one. You must also think about how the policy protects you, how it differs from the others you are considering and whether you trust the insurer to be financially stable enough to back the promises made in the policy. Here are five important points to evaluate when comparing car insurance quotes.<br /> <ul> <li><strong>Insurer rating:</strong> The A.M. Best rating of your insurer is an indication of just how financially stable that insurer is. This is an important factor to evaluate since it directly speaks to whether you can trust your insurer to pay claims when you need them. The better (or higher) the rating, the more financially stable the company is.</li> <br /> <li><strong>Limits:</strong> Lower limits can translate into lower insurance premiums, so when comparing car insurance rates make sure that you are comparing like limits between policies. If not, you might follow the lure of the premium while setting yourself up for disappointment when a claim actually needs to be paid.</li> <br /> <li><strong>Deductibles:</strong> The deductible is the portion of risk you take on after an accident or insurable event. Super high car insurance deductibles are especially troubling because they must be paid for each incident rather than on an annual basis. When comparing car insurance quotes, make sure you have the same deductibles across the board and that they are deductibles you can afford.</li> <br /> <li><strong>Real protection:</strong> Many of the different coverages in a car insurance policy are optional&mdash;but optional doesn&rsquo;t mean unimportant. If you compare two car insurance quotes and one of them reflects more protections than the other, you must consider the additional financial protection and how it could preserve your savings.</li> <br /> <li><strong>Convenience:</strong> Consider whether the companies you compare quotes for have the important service features that mean so much to you. Do they allow internet access to your policy? Can you print proof of coverage at home? What about customer service access? Can you do an automatic bank draft for the payment? </li> </ul> If you aren&rsquo;t sure what to measure when evaluating <a href="https://d6fc1be5-9e22-4e4b-a8c3-47464d92ecc7.insurancewebsitebuilder.com/other/contact.aspx" title="Contact us ">Miami car insurance quotes</a> give us a call (305) 270-2100. Together we can look past the premium dollar amount to the actual value of one policy over another so that you know you get the best fit for you.urn:uuid:5330c1b7-fe54-4d03-bae5-b699e3b0ae46<img src='http://www.filerins.com/img/%7Ewww.filerins.com/Miami%20home%20and%20auto%20insurance.jpg' align='left' />It&rsquo;s not just your weight or your budget that you might want to make changes on in the New Year. Your thoughts about insurance and the way you see it fitting into your life might be good candidates for change as well. Here are a few tips to hel...Mon, 23 Jan 2012 15:07:43 -0600<img alt="Miami home and auto insurance" style="float: right; margin-top: 5px; margin-bottom: 5px; margin-left: 7px;" src="/img/%7Ewww.filerins.com/Miami%20home%20and%20auto%20insurance.jpg" />It&rsquo;s not just your weight or your budget that you might want to make changes on in the New Year. Your thoughts about insurance and the way you see it fitting into your life might be good candidates for change as well. Here are a few tips to help guide you toward setting the right insurance resolutions for 2012:<br /> <br /> <ul> <li><em>Stop thinking minimums:</em> Some people buy insurance just to keep their state and lenders happy. Buying just the minimum amount of insurance necessary to comply with lenders and regulators can leave you and your family exposed to unnecessary financial risks. </li> <li><em>Think about the legacy you want to create:</em> <strong>Life insurance</strong> is about more than replacing an income for your family, it&rsquo;s about finding the means to create the legacy you want to leave behind. Before you can do that, you need to know what your ideal legacy is. </li> <li>Stay on the lookout for &lsquo;soft&rdquo; spots: While it&rsquo;s a good idea to do an insurance review annually, it&rsquo;s an even better idea to identify any areas where your coverage falls short throughout the year. By keeping your eyes peeled and thinking about risk, exposure and protection on a more frequent basis, you might identify these situations more often and prevent coverage shortfalls from causing you financial harm.</li> <li><em>Have your valuables assessed: </em>If you chose limits by estimating the value of some of your higher-end antiques, art and jewellery, this year resolve to actually get these items assessed by a professional. Not only can this help your legacy planning efforts but it will also ensure that your <strong>home insurance</strong> limits are adequate.</li> <li><em>Read your policies:</em> Reading your insurance policy document is the best way to get educated about what it does, and doesn&rsquo;t, cover. Not only will this help you get the most out of your policy but it may also help you determine any shortfalls that could occur and plan for them before they do. </li> <li><em>Work with your agent on an insurance review: </em>If you haven&rsquo;t already planned to do an in-depth insurance review with your agent, your first resolution can be to do so. </li> </ul> <br /> Insurance is a vital aspect of your family&rsquo;s financial plan. Don&rsquo;t relegate it to the back corners of your mind throughout the year; instead, integrate it into your daily life so that you can make sure you get as much out of it as you need to. For more tips or to make changes in your policies, give us a call.<br /> <br /> At <strong><em>Filer Insurance, Inc</em></strong>., we have been serving Miami and South Florida since 1919. We specialize in auto, life &amp; business insurance. Contact us at <strong><strong>305-270-2100</strong></strong> for a free <a href="https://d6fc1be5-9e22-4e4b-a8c3-47464d92ecc7.insurancewebsitebuilder.com/homeowners/homeownes_quote_request.aspx" title="Miami home insurance"><strong>Miami home insurance</strong></a> quote or visit our office.<br /> <br /> <span style="color: #ffffff;">JG</span>urn:uuid:56ac977d-7d2f-438a-a4be-4e44f7a9c306<img src='http://www.filerins.com/img/%7Ewww.filerins.com/Insurance%20Considerations%20for%20Retirees%20Miami.jpg' align='left' />There are many things that you no longer have to worry about when retired, but insurance is not one of them. In order to get the most out of your retirement and your retirement savings, having a well-designed insurance portfolio is vital. Here are so...Wed, 21 Dec 2011 10:08:13 -0600<p><img width="271" height="181" src="/img/%7Ewww.filerins.com/Insurance%20Considerations%20for%20Retirees%20Miami.jpg" style="float: right; margin-top: 5px; margin-bottom: 5px; margin-left: 7px;" alt="Insurance Considerations for Retirees - Florida" />There are many things that you no longer have to worry about when retired, but <strong>insurance</strong> is not one of them. In order to get the most out of your retirement and your retirement savings, having a well-designed insurance portfolio is vital. Here are some of the coverages you should be considering before, and after, retirement:</p> <ul> <li><strong><em>Home insurance:</em></strong> One of the goals of many retirees is to have a paid off home by the time they reach retirement. Many have the misconception that once your home is paid off your need for home insurance changes. Home insurance isn&rsquo;t a product that&rsquo;s meant to protect a mortgager though, it&rsquo;s meant to protect <em>you</em>. If something should happen to your home or your belongings, without insurance you would be forced to sell assets or dip into your retirement savings to repair or replace your home and possessions.</li> <li> <strong><em>Auto insurance:</em></strong> Once your automobile is paid for, many think keeping the state-required minimum is enough. What if your car should be stolen, vandalized or totaled in a collision though? Without the proper insurance you&rsquo;ll have to use retirement funds to repair or replace it. You may also fine that state-required minimums for liability and bodily injury may prove so limited that you will be forced to pay out-of-pocket for the damages that exceed your limits.</li> <li> <strong><em>Life insurance:</em></strong> Life insurance is generally thought of as a policy that helps survivors, but with cash value growth available for tax-free loans it can also help pad your retirement spending. In addition, if either you or your spouse should pass away leaving the other alone, the life insurance policy proceeds can supplement the surviving spouse&rsquo;s retirement budget. For those concerned with leaving a legacy to their heirs, a life insurance policy ensures that you can without having to put a cap on your retirement spending. </li> <li> <strong><em>Long-term care insurance:</em></strong> Not every retiree has the health and mobility to independently complete all activities of daily living such as showering and dressing. When you begin to need assistance with daily activity, moving into an assisted living facility or hiring an in-home nurse may be necessary. Medicare and Social Security will only pay for certain long-term care expenses. Designing a supplemental long-term care policy, with an acceptable waiting period and daily benefit, is vital if you want to avoid using retirement funds for your long-term care needs.</li> </ul> <p>Retirement assets create a limited pool of funds that need to be available for an unknown period of time. Insurance policies help you preserve those funds and keep enjoying your retirement the way you want to. Give us a call and we can discuss the many ways that insurance is there to make your retirement more financially secure.<br /> <br /> At <strong><span style="text-decoration: underline;"><em>Filer Insurance, Inc</em></span></strong>., we have been serving Miami and South Florida since 1919. We specialize in car insurance as well as in home, auto, life &amp; business insurance. Contact us at <strong><strong>305-270-2100</strong></strong> for a free <a href="https://d6fc1be5-9e22-4e4b-a8c3-47464d92ecc7.insurancewebsitebuilder.com/homeowners/homeownes_quote_request.aspx" title="Miami home insurance"><strong>Miami home insurance</strong></a> quote or visit our office.<br /> <br /> <span style="font-size: 10px; color: #ffffff;">JG</span></p>urn:uuid:e65a9836-6fed-4c86-9949-ba76c6c2c409<img src='http://www.filerins.com/img/%7Ewww.filerins.com/miami-car-insurance-safe-apps.jpg' align='left' />Having a teen driver is not a relaxing experience. As you watch your teen bound out the door each day, car keys in hand, a million fears run through your mind. And while you can&rsquo;t protect your teen from every driving risk they face once they wa...Fri, 11 Nov 2011 15:31:34 -0600<img alt="Miami safe driving apps" style="float: right; margin: 5px 5px 5px 7px;" src="/img/%7Ewww.filerins.com/miami-car-insurance-safe-apps.jpg" />Having a <strong>teen driver</strong> is not a relaxing experience. As you watch your teen bound out the door each day, car keys in hand, a million fears run through your mind. And while you can&rsquo;t protect your teen from every driving risk they face once they walk out that door, you can take advantage of some <strong>phone apps that help enhance teen safety while they drive</strong>. <h3><strong>Text Disablers</strong></h3> <p><strong>Texting</strong> is one of the most dangerous activities that can be done behind the wheel, but fortunately there are many apps out there that can disable your teen&rsquo;s ability to read or send texts while they are in a moving car. These include: Key2SafeDriving&nbsp; and TextArrest. Other apps, like Drivesafe.ly Pro, read texts aloud and allow your teen to create an auto response that the device sends on its own. Think of it as hands free responding.</p> <h3><strong>Phone Inhibitors</strong></h3> <p>Sometimes answering a cell phone, calling out on a cell phone, or even just talking on a cell phone can be enough to distract your teen from practicing safe driving methods. The apps ZoomSafer&nbsp; and Key2SafeDriving can lock and restrict your teen&rsquo;s access to their phone&rsquo;s call feature while they are driving.</p> <h3><strong>Ride Shotgun&mdash;through an App</strong></h3> <p>You can&rsquo;t be in the car with your teen driver every time they leave the house&mdash;or can you? With the Safe Driver app, you can get a text message every time your teen surpasses the speed limit in any given area. While this certainly helps you keep an eye on your teen, it might also be just the push they need to remain alert about staying within the speed limit and avoiding accidents when they drive.</p> <h3><strong>Learning Road Safety with Apps</strong></h3> <p>Some apps can actually help educate your teen on how to drive safely and react appropriately to different situations. The Dangers of Distracted Driving app shows teens how easy it is to get into an accident after being distracted. The Steer Clear Mobile app gives kids an interactive lesson in safe driving practices that they can apply when they drive. </p> <p>There are many new apps coming out every day and some can help your teen be a safer, more accountable driver. Just be sure that as you choose cell phones and apps that you don&rsquo;t end up selecting something that actually helps to distract your teen even more than they might normally be. After all, the purpose of the apps should be to serve&mdash;and protect. </p> <p>Let us answer any more questions you may have about safe driving or contact us today at&nbsp; <strong>305-270-2100</strong> for a free <a title="Miami car insurance" href="https://d6fc1be5-9e22-4e4b-a8c3-47464d92ecc7.insurancewebsitebuilder.com/automobile/personal_auto_insurance_quote_request.aspx"><strong>Miami car insurance</strong></a> quote.</p>urn:uuid:878d6c81-796a-421e-8851-2eebe2191c45<img src='http://www.filerins.com/img/%7Ewww.filerins.com/miami-home-insurace.jpg' align='left' />A home insurance policy offers you and your family the financial reimbursement you will need to get your life back on track after an insurable event. But the financial benefits of having home insurance are not experienced by policyholders unless they...Thu, 13 Oct 2011 10:27:49 -0500<p><img alt="Miami Home Insurance" style="width: 302px; height: 200px; float: right; margin-top: 5px; margin-bottom: 5px; margin-left: 7px;" src="/img/%7Ewww.filerins.com/miami-home-insurace.jpg" />A <strong><a title="Miami home insurance" href="https://d6fc1be5-9e22-4e4b-a8c3-47464d92ecc7.insurancewebsitebuilder.com/homeowners/homeownes_quote_request.aspx">home insurance policy</a></strong> offers you and your family the financial reimbursement you will need to get your life back on track after an insurable event. But the financial benefits of having home insurance are not experienced by policyholders unless they endure an insurable event with a financial impact that exceeds their deductible. Of course, that doesn&rsquo;t mean that there are no intangible benefits to enjoy as you pay your premiums each month.</p> <h3><strong>Peace of Mind </strong></h3> <p>When you know that you have an <a href="http://www.filerins.com/" title="Miami insurance policy">insurance policy</a> protecting you and your family, then you have peace of mind. That might not prevent an incident, but it can definitely help you sleep at night. Without <strong>home insurance</strong> you are left with a subconscious nagging prompted by the insecurity that being uninsured brings with it. In this state, a lot of mental and emotional energy is used up wondering how you would rebuild your family&rsquo;s life if your home were to become ruined in an insurable event. </p> <h3><strong>Financial Security</strong></h3> <p>Insurance also ensures your financial stability. You probably have big plans for your retirement, your children&rsquo;s educational future and the repayment of all your debt. But without <strong>home insurance</strong> to ensure that your personal savings do not need to be used after an insurable event, there is no guarantee that you will be able to realize any of these plans and dreams in the manner you want. Instead, you may be forced to use the money you saved just to rebuild your home after a tragedy. Saving money without knowing that you will be able to use it the way you expect can leave you feeling insecure and may even impact your motivation to save. </p> <p>Insurance is a serious matter. It&rsquo;s not a fun purchase and it is not something that you will use in your everyday life. A <strong>home insurance policy</strong> gives you permission not to dwell on how expensive and devastating an insurable event can be and the confidence to know that you will be able to recover financially after one.<br /> <br /> Get a free <a href="https://d6fc1be5-9e22-4e4b-a8c3-47464d92ecc7.insurancewebsitebuilder.com/homeowners/homeownes_quote_request.aspx" title="Miami home insurnace"><strong>Miami home insurance</strong></a> quote today or contact us at&nbsp;<strong>305-270-2100</strong> for more information.</p>urn:uuid:c5f4e4c4-2b0f-4c2a-a4c0-45d98916f651<img src='http://www.filerins.com/img/%7Ewww.filerins.com/iStock_000008437831XSmall.jpg' align='left' />Your home insurance policy may offer you a wide range of covered events, but it is not a comprehensive policy and, like anything, has its own set of exemptions. In order to understand the specific events that are not considered insurable incidents by...Fri, 16 Sep 2011 15:51:06 -0500<p><img alt="Miami home insurance" style="width: 238px; height: 170px; float: right; margin-top: 5px; margin-bottom: 5px; margin-left: 7px;" src="/img/%7Ewww.filerins.com/iStock_000008437831XSmall.jpg" />Your <a title="Miami home insurance" href="https://d6fc1be5-9e22-4e4b-a8c3-47464d92ecc7.insurancewebsitebuilder.com/homeowners/homeownes_quote_request.aspx"><strong>home insurance</strong></a><strong></strong> policy may offer you a wide range of covered events, but it is not a comprehensive policy and, like anything, has its own set of exemptions. In order to understand the specific events that are not considered insurable incidents by your insurer, be sure to take a look at your policy. Following is a general list.</p> <ol> <li><strong>Flood damage:</strong> Believe it or not, the damage caused by a flood is not covered in your home insurance policy. Even if the flood comes on the heels of a hurricane, if the damage is due to flood waters, your home insurance policy will not cover your claims. Instead, you must make sure that you have a <a href="http://www.filerins.com/content/floodcov.aspx" title="Miami Flood Insurance">flood insurance policy</a> in place. </li> <li><strong>Bed bugs:</strong> Unfortunately, those creepy creatures, the damage they cause and the expenses related to getting rid of them are not covered in your home insurance policy. </li> <li><strong>Mold:</strong> While this isn&rsquo;t the case in every single home insurance policy, many of them do not cover the damage associated with mold nor the expenses of treating it.</li> <li><strong>Intentional damages:</strong> if you damage your home while completing home renovations, or If you intentionally damage your home in the hopes of getting paid an insurance claim, then you will find that the damage is not covered. Remember, insurance is meant to make you whole after an unexpected insurable incident that was not your fault.</li> <li><strong>War:</strong> Acts of war that cause damage to your home (including nuclear war or damage from wars fought on home territory) are not covered under home insurance policies. </li> <li><strong>Neglect:</strong> As a homeowner, you have an obligation to perform upkeep and preventative maintenance on your home. If you neglect these responsibilities and your home falls into disrepair, your home insurance policy will provide no protection. </li> <li><strong>Government action:</strong> If your home is seized or confiscated by a government entity, it may not be a covered loss under your home insurance policy. </li> <li><strong>Mandatory building code upgrades:</strong> If you suffer a complete loss and the cost to rebuild exceeds your limits due to mandatory building code upgrades, the higher costs will not be covered (this can be avoided with special riders added to your home insurance policy that complement your limits in the event of code changes). </li> <li><strong>Policyholder injury:</strong> A liability portion of your home insurance policy will cover the medical and other expenses for a person who is injured on your property under the right circumstances, but it will not cover your injuries or anyone else who lives in the home if they are injured on the premises.</li> </ol> <p>Every policy has its own exclusions; therefore, you should read yours to find out what particular risks are not covered. Some policies, depending on the class, may exclude natural incidents like earthquakes and sinkholes, while others won&rsquo;t cover things like water damage&mdash;which includes sewer problems and foundation issues due to water leakage. <strong>Home insurance </strong>policies have many different classes (noted as HO-1, HO-2, etc.) and each of these classes has its own subset of covered and uncovered risks. Ask your agent or insurance company if you need help understanding your policy or homeowners insurance class.<br /> <br /> To learn more about<strong> <a href="http://www.filerins.com/" title="Miami home insurance">Miami home insurance</a></strong> contact us <strong>305-270-2100</strong> or get a free <a href="https://d6fc1be5-9e22-4e4b-a8c3-47464d92ecc7.insurancewebsitebuilder.com/homeowners/homeownes_quote_request.aspx" title="Miami home insurance quote">home insurance quote</a>.</p>urn:uuid:da3cdea3-3340-4772-afd5-2a811b0e6120<img src='http://www.filerins.com/img/%7Ewww.filerins.com/iStock_000007126560XSmall.jpg' align='left' />A Declarations Page is the portion of an insurance policy that lists your detailed information.&nbsp; For instance, a homeowners declaration page will list your name, your policy number, the effective and expiration date of your policy, the address o...Wed, 27 Jul 2011 11:47:33 -0500<p><img alt="" style="width: 257px; height: 170px; float: right; margin-top: 5px; margin-bottom: 5px; margin-left: 7px;" src="/img/%7Ewww.filerins.com/iStock_000007126560XSmall.jpg" />A Declarations Page is the portion of an <strong>insurance policy</strong> that lists your detailed information.&nbsp; For instance, a <a title="Home Insurance" href="https://d6fc1be5-9e22-4e4b-a8c3-47464d92ecc7.insurancewebsitebuilder.com/homeowners/homeownes_quote_request.aspx">homeowners</a> declaration page will list your name, your policy number, the effective and expiration date of your policy, the address of your home, the premium for the coverage you have acquired and the limits of each coverage. </p> <p>The following are terms that you may find on your Declarations Page:</p> <ul> <li><strong>Named Insured:&nbsp;</strong> The named insured is the individual or business that is identified as the insured party.</li> <li><strong>Additional Insured:</strong>&nbsp; This is someone listed on your policy because certain coverage on the policy can be afforded to them.&nbsp; For instance, if you lease a car, the leasing company may require to be listed as an additional insured.&nbsp; The leasing company is still the owner of the car; therefore, they can be accountable for damages caused by the car.&nbsp; Being listed as an additional insured on your policy will trigger your policy to afford some coverage to the leasing company in the event they are subjected a suit involving the car.</li> <li><strong>Endorsements:</strong> There can be situations where changes need to be made to the standard policy language.&nbsp; Instead of rewriting the whole policy, the insurance company includes endorsements to the policy.&nbsp; They are basically adjustments made to the insurance contract that can change the coverage or terms of the policy.&nbsp; Your Declarations Page will list which endorsements apply to your policy.</li> </ul> To learn more about <strong><a href="http://www.filerins.com/default.aspx">Miami Insurance</a></strong> contact us <strong>305-270-2100.</strong>urn:uuid:5a0312c2-2335-49b7-99a8-0c8872f92993<img src='http://www.filerins.com/img/~www.filerins.com/iStock_000007988610XSmall.jpg' align='left' />Liability Insurance for motorcycle owners is required by most states. This type of insurance pays the other party if the policyholder is found at fault in an accident and as a result, caused damage to someone else or their property.&nbsp; Typically, ...Wed, 13 Jul 2011 10:18:15 -0500<p style="text-align: justify;"><strong><img width="199" height="131" style="width: 195px; float: left; height: 126px; margin-left: 5px; margin-right: 7px;" alt="Motorcycle Insurance" src="http://www.filerins.com/img/~www.filerins.com/iStock_000007988610XSmall.jpg" />Liability Insurance for motorcycle owners</strong> is required by most states.<span style="font-size: 10px;"> </span>This type of insurance pays the other party if the policyholder is found at fault in an accident and as a result, caused damage to someone else or their property.&nbsp; Typically, because damage caused by a motorcycle is less than that of an automobile, liability for a motorcycle is reasonably priced.&nbsp; </p> <p style="text-align: justify;">Other policy coverages to consider are <strong>comprehensive and collision coverage</strong>.&nbsp; Comprehensive, also referred to as Other Than Collision, provides coverage for perils such as vandalism, theft, flood and fire.&nbsp; Most policies would pay up to the actual cash value of the bike. Collision covers when your bike collides with another object, such as a tree, sign, or another vehicle.&nbsp; </p> <p style="text-align: justify;"><strong>Medical coverage</strong> for injuries to your passengers should be considered.&nbsp;&nbsp;&nbsp; This coverage is referred to as <strong>Guest Liability.</strong>&nbsp; This can be extremely valuable in the event you are the cause of an accident and your passenger is injured.&nbsp; Coverage can also be purchased to cover your injuries.&nbsp; </p> <p style="text-align: justify;"><strong>Uninsured or Underinsured Motorist coverage</strong> protects you against damage caused by uninsured drivers and can be purchased.&nbsp; In some states uninsured motorist coverage is limited to only covering your medical bills, while in other states you can also purchase coverage to pay for damages to the bike in the event it is damaged due to the fault of an uninsured driver.<br /> <br /> To learn more about <span style="text-decoration: underline;"><strong>Filer Motorcycle Insurance</strong></span> contact us <strong>305-270-2100 </strong>or get a <a href="https://d6fc1be5-9e22-4e4b-a8c3-47464d92ecc7.insurancewebsitebuilder.com/motorcycle/motorcycle_insurance_quote_request.aspx" title="Motorcycle Insurance quote" target="_blank"><span style="font-size: 13px;">Motorcycle</span> <span style="font-size: 13px;">Insurance</span> <span style="font-size: 13px;">quote</span></a><span style="font-size: 13px;">.</span></p>urn:uuid:0542c021-94b3-4c00-b0a4-5cd5ba80157cThere are&nbsp;several ways of networking with&nbsp;us.&nbsp; Feel free&nbsp;to join&nbsp;us on one or all of them! Facebook Twitter Linked In Blogger MySpace LiveJournal TypePad Thank you for taking the time visi...Wed, 29 Jun 2011 11:31:55 -0500There are&nbsp;several ways of networking with&nbsp;us.&nbsp; Feel free&nbsp;to join&nbsp;us on one or all of them!<br /> <br /> <ul> <li><a href="http://www.facebook.com/pages/Filer-Insurance-Inc/101939053202385" target="_blank">Facebook</a> </li> <li><a href="http://twitter.com/#%21/FilerIns" target="_blank">Twitter</a> </li> <li><a href="http://www.linkedin.com/company/filer-insurance-inc." target="_blank">Linked In</a> </li> <li><a href="http://filerins.blogspot.com" target="_blank">Blogger</a> </li> <li><a href="http://www.myspace.com/filerins" target="_blank">MySpace</a> </li> <li><a href="http://filerins.livejournal.com" target="_blank">LiveJournal</a> </li> <li><a href="http://filerins.typepad.com" target="_blank">TypePad</a></li> </ul> <p>Thank you for taking the time visit our blog and website.</p>urn:uuid:bb403d41-9fe6-4eae-9618-2040c41c2f41<img src='http://www.filerins.com/img/%7Ewww.filerins.com/iStock_000005872100XSmall.jpg' align='left' />What is car insurance? Car insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in y...Fri, 10 Jun 2011 16:08:38 -0500<h2>What is car insurance?</h2> <span style="font-size: 11px;"><img style="width: 200px; float: right; height: 133px; margin-left: 7px; margin-right: 0px; border: 0px solid;" alt="Girl in car" src="http://www.filerins.com/img/%7Ewww.filerins.com/iStock_000005872100XSmall.jpg" /><span style="font-size: 13px;"><a href="https://d6fc1be5-9e22-4e4b-a8c3-47464d92ecc7.insurancewebsitebuilder.com/automobile/personal_auto_insurance_quote_request.aspx">Car insurance</a> protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.<br /> <br /> Car insurance provides property, liability and medical coverage: </span></span> <ul style="list-style-type: disc;"> <li><span style="font-size: 11px;">Property coverage pays for damage to, or theft, of your car. </span></li> <li><span style="font-size: 11px;">Liability coverage pays for your legal responsibility to others for bodily injury or property damage. </span></li> <li><span style="font-size: 11px;">Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses. </span></li> </ul> <span style="font-size: 11px;"></span> <p>A car insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.<br /> <br /> Most car policies are for six months&nbsp;or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.</p> <span style="font-size: 11px;"></span> <h2>Miami, Florida</h2> <span style="font-size: 11px;"></span> <p>Miami is a city located on the Atlantic coast in southeastern Florida and the county seat of Miami-Dade County, the most populous county in Florida and the ninth-most populous county in the United States with a population of 2,500,625. The 42nd largest city proper in the United States, with a population of 399,457, it is the principal, central, and most populous city of the South Florida metropolitan area, the most populous metropolis in the Southeastern United States. According to the US Census Bureau, Miami's metro area is the seventh most populous in the United States, with an estimated population of 5,547,051 in 2009.</p> <span style="font-size: 11px;"></span> <p>Miami is a major center and a leader in finance, commerce, culture, media, entertainment, the arts, and international trade. In 2010, Miami ranked seventh in the United States in terms of finance, commerce, culture, entertainment, fashion, education, and other sectors. It ranked thirty-third among global cities.</p> <span style="font-size: 11px;"></span> <p>In 2008, Miami was ranked as "America's Cleanest City" according to Forbes Magazine for its year-round good air quality, vast green spaces, clean drinking water, clean streets, and city-wide recycling programs. In 2009, in a UBS study of 73 world cities, Miami was ranked as the richest city in the United States and the world's fifth-richest city, in terms of purchasing power.</p> <span style="font-size: 11px;"></span> <p>Downtown Miami and South Florida are home to the largest concentration of international banks in the United States, and is home to many large companies both nationally and internationally. The Civic Center is a major center for hospitals, research institutes, medical centers, and biotechnology industries.</p> <span style="font-size: 11px;"></span> <p>For more than two decades, the Port of Miami, known as the "Cruise Capital of the World" has been the number one cruise passenger port in the world, accommodating some of the world's largest cruise ships and operations, and is currently the busiest in both passenger traffic and cruise lines.</p> <span style="font-size: 11px;"></span> <h2>Filer Insurance</h2> <p>An aggressive business approach combined with our conservative business philosophy provides you with innovative and competitive products from an insurance agency you can depend on for years to come. Contact Filer Insurance today at <strong>305-270-2100</strong> to get a free <a href="https://d6fc1be5-9e22-4e4b-a8c3-47464d92ecc7.insurancewebsitebuilder.com/automobile/personal_auto_insurance_quote_request.aspx">Miami car insurance</a> quote.</p> <span style="font-size: 11px;"></span> <p>(Source: <a href="http://en.wikipedia.org/wiki/Miami">Wikipedia.org</a>)</p>urn:uuid:77deab2f-a8ba-4f06-a669-8abb7e415239Welcome to our blog and thank you for visiting our website.&nbsp; We would love to be your insurance agency.Fri, 08 Apr 2011 17:33:04 -0500Welcome to our blog and thank you for visiting our website.&nbsp; We would love to be your insurance agency.