Florida Motorcycle Insurance – Helmets: Yes or No?

What to Know About Florida Helmet Insurance Requirements

There’s nothing quite like embarking on a cross-country motorcycle adventure or exploring the many places in the Miami Lakes, FL, area. Whether it’s for personal pleasure or your motorcycle is your main mode of transportation, our team at Jet Stream Insurance Group LLC is here to help you understand and abide by Florida’s helmet laws.

To Wear a Helmet or Not Wear a Helmet – Yes or No

The laws in Florida are very explicit when it comes to helmet requirements for motorcyclists.

  • All motorcycle drivers are required to wear protective eyewear and helmets, which must meet the U.S. Department of Transportation requirements.
  • Only motorcyclists aged 21 years or older can opt not to wear a helmet, but only if they are adequately insured.
  • To lawfully operate a motorcycle, a person under the age of 21 must wear both a helmet and eyewear. Not wearing either one is not an option.

Passenger restrictions also exist under Florida’s motorcycle laws.

  • Passengers under age 21 must also adhere to the law and always wear a helmet and eyewear, with no exceptions.
  • Only passengers ages 21 and over can choose not to wear a helmet. This is allowed only if the passenger is insured with coverage to include medical benefits in the event of injuries sustained in a collision.
  • While traveling on public roads, streets, and highways, passengers are required by Florida law to wear U.S. Department of Transportation-approved protective eyewear.

Contact Us

If you still have questions about Florida’s position on motorcycles and helmets before heading to Miami Lakes, FL, feel free to contact our experienced team at Jet Stream Insurance Group LLC. We’ve got you covered.

The Value of Recreational Insurance if You Go Off-Road

Recreational insurance is a relatively new concept for the vast majority of individuals. When it comes to recreational insurance, the target market is going to be folks who do things such as go off-road with vehicles for leisure. The team we have put together at Jet Stream Insurance Group LLC is in a position to work with you to ensure you have proper coverage to go off-road in Miami Lakes, FL and abroad.

 Understanding Recreational Insurance

You need to understand what recreational insurance is in order to have it be meaningful. When you are talking about recreational insurance, an off-road recreational insurance policy will include damage to the vehicle, as well as any equipment you use to transport the vehicle. Coverage on the vehicle itself as well as damages for injuries and liability are in play as well.  

When it comes to recreational insurance, verification of coverage is critical. You need to understand your needs and make a determination that recreational insurance can help you stay protected. If that is the case, and you are going to go on an off-road adventure, buy insurance so you can do it with peace of mind.

Making the Move to Buy

Whether you are making the move to go off-road for the first time or you intend to do it routinely in the future, you want to have insurance coverage. Recreational insurance is your answer when doing off-road in Miami Lakes, FL and elsewhere across the United States. If you want to learn more, talk to our team at the Jet Stream Insurance Group LLC to build a knowledge base and act on those needs.

Types Of Renters Insurance

Renter’s insurance, also known as tenant insurance, covers unexpected circumstances when renting a property.

Possible Types of Renter Insurance defined are:

  • Natural Disasters
  • Theft
  • Vandalism

While Florida does not require renter’s insurance, we at Jet Stream Insurance Group LLC highly recommend this kind of insurance for your protection. 

Florida has a variety of natural disasters, for example, hurricanes, windstorms, mudslides, and even tornados to name a few.

Additionally, theft is a real issue, even when nature stays peaceful. Maybe a valuable large item or two is taken or maybe coming home from vacation your whole place has been cleaned out. Either way, finding out a thief has made off with property you paid hard-earned money for is so frustrating especially if you haven’t got funds to replace it

Sometimes even the surrounding walls or floors have been damaged. Vandals who don’t even steal anything might punch holes, deface walls, or burn something.

Coverage in Miami Lakes, FL adheres to state requirements. However, the coverage range also depends on your needs and specific situation.

Aside from personal property types of renter’s insurance  and coverage, your policy might or might not include:

  • Medical Protection-Coverage over non-residents who are injured in your home.
  • Liability-Coverage when someone on your policy causes injury or damage to another.
  • Loss of Use-Coverage in the event your residence is unlivable after an emergency event 

Schedule A Consultation Today

Serving Miami City, FL and surrounding communities, we at Jet Stream Insurance Group LLC can advise you on any policy or coverage you might need. We’ll explore your options based on your needs and Florida rental Insurance law. There is no need for you to stress over renter’s insurance – contact us for more information.

Understanding Motorcycle Insurance Coverage Types

Motorcycle insurance refers to a specific type of coverage designed to offer financial protection for motorcycle owners and riders should they be involved in an accident, theft, or another covered incident involving their motorcycle. For additional information regarding motorcycle insurance for riders in and around Miami Lakes, FL, contact Jet Stream Insurance Group LLC today.

Understanding Motorcycle Insurance Coverage

Similar to car insurance, motorcycle insurance provides coverage for various risks and liabilities that can happen when operating or owning a motorcycle.

Liability Coverage

Liability coverage is typically mandatory. It offers coverage for another’s bodily injury and property damage if you’re at fault in a motorcycle accident.

Collision Coverage

Collision coverage reimburses insured individuals for motorcycle repairs, independent of who is at fault.

Comprehensive Coverage

Comprehensive coverage offers financial protection (for repairs/replacement) when and if the motorcycle is damaged from a non-collision incident which may include –

  • Theft
  • Vandalism
  • Fire
  • Natural Disasters
  • Falling Objects, to name a few.

Uninsured/Underinsured Motorist Coverage

If involved in an accident with an underinsured driver or without insurance, this covers lost wages, medical costs, property damage, etc.

Medical Payments Coverage

This coverage helps to pay medical expenses for you/your passengers after an accident, despite who caused the accident. Personal Injury Protection is similar and offers more extensive coverage.

Additional coverage is available for motorcycle owners and riders as follows –

  • Accessory Coverage.
  • Roadside Assistance Coverage.
  • Rental Reimbursement Coverage.
  • Gap Insurance – If you owe more on a bike loan than its market value – if totaled, gap insurance pays the difference.  

Schedule A Consultation Today!

For additional information regarding motorcycle coverage options, contact the insurance professionals at Jet Stream Insurance Group LLC in Miami Lakes, FL

Conquer Florida’s Rough Terrain with the Right Off-Road Vehicles

From rugged trails to slippery slopes, there’s no denying that Florida’s terrain can be pretty challenging. But that doesn’t mean you must stay inside or leave the state. The right off-road vehicle and an experienced driver can get you where you want to go and make sure you return safely.  Jet Stream Insurance Group LLC is happy to help our Miami Lakes, FL clients with recreational insurance and related tips. 

Here’s what you need to know about selecting the right off-road vehicle for tackling Florida’s rough terrain:

Essential Off-Roading Equipment

Essential off-roading equipment includes mudding tires, a winch, first aid supplies, and survival gear. Mudding tires are designed for maximum traction in wet and muddy conditions. A winch is also a must-have for any off-roading vehicle. When choosing the correct winch, consider the total weight of your setup, including the vehicle, gear, and any trailers you are towing.

In addition to mudding tires and a winch, it is also essential to have first aid and survival gear when off-roading in Florida. Items to include in your wilderness survival kit are a map and compass, a first-aid kit, a fire starter, a water purification system, a flashlight or headlamp, and a solar blanket. 

Types of Off-Road Vehicles Best Suited for Florida’s Trails

ATVs are best suited for navigating tight, winding paths with plenty of obstacles, such as deep mud, sharp rocks, and steep hills. UTVs are more extensive, heavier vehicles designed to tackle more prominent, more open terrain. They are perfect for traveling long distances and crossing large expanses of rough terrain.

4×4 OHVs are designed for taking on rugged terrains such as rocky hills, deep mud, and loose sand. Motorcycles are also good options for exploring the backcountry in Florida, as they have the power and agility to handle tricky terrain.

Get The Right Coverage Today

Jet Stream Insurance Group LLC, serving the greater Miami Lakes, FL community, provides recreational vehicle insurance for your needs. Our experienced professionals work hard to provide the right coverage for our customers. Contact us today to insure your favorite off-road rides!

Why You Need Renters Insurance

Renters have specific needs when it comes to insurance. They don’t need a policy that is like home or condo insurance. Those policies pay for damage done to a dwelling because those policies are used by the property owners. Renters don’t have to carry an insurance policy that covers the dwelling since they don’t own it. Instead, there are other types of coverages they need that are all in a renters’ policy.

To get a policy of your own, call us now at Jet Stream Insurance Group LLC in Miami Lakes, FL. 

Why Renters Insurance?

Possessions Coverage

Your dwelling may not need your protection, but your possessions certainly do. It’s likely that most of what you own is inside your rented home, and all of those items need to be protected. With renters’ insurance, all of your belongings that are inside your home are covered under the policy. This provides for your items to be replaced by insurance when you have an event that damages them. Covered events include a wide range of occurrences like certain accidents, calamities, and disasters. 

Liability Coverage

When you have a rented home, you’re responsible if anyone should have an accident there. If someone came into your home and had an accident with injuries there, you would be liable for a number of their expenses, including medical bills. You need to have liability coverage in case this happens. There are a number of types of liability that can put you at risk financially when you’re a renter, and renters’ insurance can cover you against these to safeguard your finances against lawsuits. 

Get Your Renters Insurance Policy

When you’re renting, you need to have this coverage because of the many risks you’re vulnerable to. To get your renters’ policy, call us at Jet Stream Insurance Group LLC in Miami Lakes, FL.

Is Motorcycle Insurance Required in Florida?

Motorcycle insurance is a very important policy to have in place. If you own a motorcycle in the state of Florida, you are not required under the law to have motorcycle insurance since Florida is one of the few states that do not require it, but it is still important to obtain a policy.

The experienced motorcycle insurance agents at the Jet Stream Insurance Group, LLC, in Miami Lakes FL are explaining the importance of motorcycle coverage in Florida, even though it is not required.

Motorcycle Insurance Coverage Options

Liability Insurance: Motorcycle liability insurance is extremely important to have in place in case you are ever in an accident with another vehicle, and it is deemed to be your fault. This type of policy will assist you in paying for the other driver’s property damage and medical bills if necessary.

Comprehensive Insurance Coverage: Comprehensive insurance coverage will replace or repair your bike if it is damaged or destroyed by something. Those things can range from a disaster by mother nature, such as a tornado or hurricane, or a fire occurring in the location where your bike is parked. It can also help pay for damages caused by a vandal. This type of insurance will also help you replace your bike if someone steals it.

Collision Insurance: Collision insurance is another type of auto insurance that you may want to have since it will help you out if there are damages to your vehicle or another vehicle after a collision occurs. This can also be important if you happen to run into some type of object with your vehicle. 

If you owe money to a lender for your motorcycle, the lender may very well require you to have motorcycle insurance coverage, including comprehensive and collision coverage to protect their investment in your bike.

Contact Us Today

To obtain an adequate amount of motorcycle insurance coverage for you, your motorcycle, and your situation, you should enlist the help of an experienced agent. The motorcycle insurance agents at the Jet Stream Insurance Group, LLC, in Miami Lakes, FL are ready to assist you with all of your insurance needs. Call for an appointment today!

Stay Covered While You Blaze Trails with Recreational Insurance in Miami Lakes, FL

If you live in Miami Lakes, FL, chances are you spend a lot of time outside enjoying the beautiful weather. Spending time outdoors is even more fun when you own an RV, boat, travel trailer, or personal watercraft. Make sure to protect outdoor toys with the right recreational insurance. Jet Stream Insurance Group LLC can help you determine the coverage you need and find a policy that beats your budget.

So, come to us when you want to protect your personal watercraft, ATV, toy hauler, and other recreational vehicles. We can help you get coverage for vehicles that aren’t part of your standard auto or home policy.

Learn More About Recreational Vehicle Insurance

With recreational vehicle insurance, you can protect your motorhome, travel trailers, and other RVs. The cost of coverage and how much insurance you need depend on your vehicle’s age, size, value, and use. 

Recreational insurance provides liability coverage. This coverage gives you peace of mind when you’re operating an RV. In addition, if an accident occurs, this coverage handles damage claims related to the accident.

Do I Need Coverage to Operate a Recreational Vehicle at Home?

Although there’s probably less chance of an accident when you drive an ATV or other recreational vehicle on your property, you still need insurance. Riding on trails and along the shoreline may not bring you into contact with major traffic, but there’s always a risk of an accident. So, cover your vehicles with recreational insurance before you blaze any new trails.

Recreational insurance can cover your vehicle in the event of theft or damage. So, if you need your recreational vehicle covered in Miami Lakes, FL, reach out to Jet Stream Insurance Group LLC to set up an appointment for a quote or more information on recreational vehicle coverage.

Reasons why renters insurance is a good idea?

If you are a renter, you may not even have considered that renters insurance is something that you should have. Some landlords or management companies will require you to have renters insurance, but it is not always required. That leaves you with the responsibility of making the decision to get it. At Jet Stream Insurance Group LLC in Miami Lakes, FL, we want to sit down with you and discuss the benefits of renters insurance. We can offer you choices from the top carriers in the business and having this important coverage is a good idea. 

You may be under the impression that your landlord has insurance and that is all you need. That impression will leave you with no possessions and no place to stay. Your landlord does have insurance on the building they own. It doesn’t cover your content and does nothing to protect you. You are responsible for purchasing renters insurance on your own.

Renters insurance offers a variety of coverage. It protects your possessions both in your rental and with you when you are traveling with it. It will help to replace the things that you need to live, like your furniture, clothing, and electronics. Imagine trying to have to replace all the things you use in your kitchen all at one time? It can be overwhelming. 

Renters insurance also offers liability coverage. If someone is injured while visiting your rental, you could be liable for medical bills and also be sued. If you have a dog, it will protect them as well from any bad behavior.

If your rental is damaged so badly that it is not habitable for a time, where would you stay?  With renters insurance, you will have the money you need to stay in a hotel or to get another temporary place to stay. 

Contact Jet Stream Insurance Group LLC in Miami Lakes, FL to learn more about the benefits of renters insurance. 

Should you get recreational insurance in Florida?

Anyone that is in the Miami Lakes, FL area will know very well that there are a lot of great recreational activities in the area. If you are looking to enjoy the area as well as you can, investing in a recreational vehicle can be a great option. With a recreational vehicle, you are going to be able to explore the area while enjoying your own asset. When choosing a recreational vehicle, you should also get a proper recreational insurance plan. This coverage should be obtained for a few reasons.

Get Protection for Vehicle

A reason that you need to get a recreational insurance plan is so you can protect your asset. When you are going to invest in one of these assets, you will want to ensure that you are covering it and can enjoy it for a long time. With a full insurance policy, you will have the support needed to replace or repair the vehicle if you incur some form of loss.

Liability Support

When you want to operate a recreational asset, it is important to remember that you are liable for accidents that can occur. If the accident is bad enough, this can mean covering significant property damage or medical bills. A great way to offset this risk is by investing in a recreational insurance plan as it will include a provision for your liability protection. 

Picking a recreational insurance plan in the Miami Lakes, FL area is a big choice. As you are assessing your various options, it would be a good idea to call Jet Stream Insurance Group LLC. There are many decisions to be made when looking for a plan and Jet Stream Insurance Group LLC can help you fully assess your options and pick an ideal plan.