GreatFlorida Auto Insurance - Palm Coast, FL - James Cimorelli
Auto Insurance in Palm Coast, Florida
Auto Insurance Agency in Palm Coast, Florida

Auto Insurance Agency - Palm Coast, FL

James Cimorelli


James Cimorelli - GreatFlorida Insurance - Palm Coast, FL.

160 Cypress Point Pkwy

Palm Coast, FL. 32164
Fax : 386-446-0355

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Palm Coast, FL Auto Insurance

Auto Insurance | Palm Coast, FL

In the event of an accident, Auto insurance provides protection against monetary losses due to a car crash, as well as damages from a natural disaster or vandalism.

Palm Coast, FL drivers are required to have a minimum of property damage coverage and personal injury protection. James Cimorelli at GreatFlorida Insurance Palm Coast, FL, can familiarize you with legal requirements, additional coverage options such as bodily injury liability, collision, no-fault, uninsured motorist and comprehensive coverage and deductibles.

GreatFlorida Auto Insurance agents can review your car insurance needs and provide you with reliable options for an auto policy from several insurance companies, giving you what you are looking for, no more and no less. Complete an online request form and a local GreatFlorida agent in will work to find competitive rates for you.

Whether you currently own a car or are a prospective buyer, James Cimorelli at GreatFlorida Insurance Palm Coast, FL can help you find the right Auto Insurance policy at the right price. more.

Palm Coast, FL Auto InsuranceAuto Insurance FAQs

What is Florida Auto Insurance?

It is a contract between you and your insurer in which you pay the insurance company a certain amount of money and, in return, the company will protect you from major financial losses due to an auto accident for a given period of time.

Whether you currently own an automobile or are a prospective buyer in Palm Coast, you can get a Free Auto Insurance quote today. 

Simply call 386-446-0317 or complete our online quote request form. A GreatFlorida Auto Insurance Agent will help you find the best deal for you in Palm Coast.

Why Do You Need Auto Insurance?

Insurance is your protection against economic disaster should you cause an accident that results in property damage or injuries to other people. It can help cover repairs to your vehicle and related medical costs.

What does auto insurance cover?

  • Bodily injury liability coverage – Pays for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defense.

  • Property damage liability coverage – Provides you with protection if your car accidentally damages another person's property. It also provides you with a legal defense.

  • Medical payments, no-fault or personal injury coverage – Usually pays for the medical expenses of the driver and passengers in your car incurred as a result of a covered accident regardless of fault.

  • Uninsured motorist coverage – Pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, underinsured motorist coverage is also included. This is for cases in which the at-fault driver has insufficient insurance.

  • Comprehensive physical damage coverage – Pays for damage to your car from theft, vandalism, flood, fire, and other covered perils.

  • Collision coverage – Pays for damage to your car when it hits or is hit by another object.

Can I get coverage with speeding tickets on my record? What about accidents or a DUI?

Yes. GreatFlorida Auto Insurance Agency owners understand that not everyone has a perfect driving record. They represent insurance carriers specializing in your unique situation.

What is a deductible on my auto policy?

In the event of a claim, this is the amount you will have to pay before your policy pays.

What's the difference between comprehensive and collision?

Collision is the part of the policy that covers your vehicle against damage caused in an accident. Comprehensive covers your car for damages not caused by a collision. It also covers against named perils such as hurricane damage and theft.

What are the Florida state required limits for auto insurance?

Florida requires a minimum of $10,000 coverage for property damage and $10,000 coverage for Personal Injury Protection.

What is uninsured motorist coverage?

Coverage designed to provide protection should you be involved in an accident with a motorist who is at fault and has either no insurance or not enough to cover your medical expenses. Uninsured motorist coverage does NOT cover damage to your vehicle.

I just moved to Florida. Is coverage the same from state to state?

No. Each state has unique rules and regulations for auto insurance. It’s important to be aware of the differences here in Florida.

Do I have to turn in my out of state tags and get new ones from Florida?

Yes. Upon moving to Florida a driver has 30 days get a new registration on the vehicle.

What is the Florida Financial Responsibility Law?

The law that requires owners or operators of autos to provide evidence that they have the funds to pay for automobile losses for which they might become liable. Auto Insurance is the usual method for providing this evidence to the state.

What is the Florida No-Fault Law?

The Florida No-Fault law requires PIP (personal injury protection) be carried by owners of motor vehicles and imposes penalties for failing to do so.

Why should I buy my auto insurance from GreatFlorida?

  • Most customers save money because we offer some of the most competitive rates around.
  • You can reach us any time, day or night, any day of the year.
  • You deal directly with a local GreatFlorida Agent in Palm Coast.
  • We help you settle your claims quickly and fairly.

Simply call 386-446-0317 or complete our online quote request form. A GreatFlorida Auto Insurance Agent in Palm Coast will help you find the best deal for you.

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Florida Auto  Insurance Blog
by GreatFlorida Insurance

Frustrated Insurance Commissioner Kevin McCarty recently threw out the idea, “Let’s fix it or flush it. We have done everything to fix PIP you could have possibly have done.”  McCarty believes ending Florida’s Personal Injury Protection, PIP requirement would cut off the flow of money feeding PIP fraud.

“Personal Injury Protection, also referred to as no-fault auto insurance is to blame for widespread insurance fraud across  Florida,” said Ellsworth Buck, Vice President of GreatFlorida Insurance. “Fraud schemes are so bad they have caused some insurance companies to pull out of offering auto insurance in Florida.”

Examples of how far reaching the fraud schemes go are evidence in recent arrests and lawsuits.

  • A Florida chiropractor was recently arrested for felony fraud charges for running a $1.5 million insurance fraud scheme.
  • The A&E show American Takedown featured the case, “Operation Cold Call” which uncovered a network of attorneys, doctors and clinic employees who were engaged in recruiting, paying and treating phony patients for treatments that did not exist for staged car accidents.
  • The Sun Sentinel reported a story of a criminal ring involving a bank, medical clinic owners, patient recruiters and sham accident victims. The ring purportedly conned Allstate out of $10 million.

PIP requirements were implemented as part of auto insurance coverage so car accident victims could receive quick payments for medical treatments required without having to wait for a determination on the responsibility of an accident. It was also intended to free up the courts from small claims cases.

Buck with GreatFlorida Insurance informs, “Policyholders recover expenses for car accident injuries from their own insurance company regardless who is at fault for the accident.” Drivers are required to purchase PIP to cover medical expenses and those of passengers. Florida PIP provides up to $10,000 in coverage for medical expenses.

Unfortunately, the unintended consequences of no-fault auto insurance have been rampant fraud. Florida is considered the car insurance fraud capital. Staged accidents or dishonest medical professionals file false or inflated claims to exploit the system. According to the Insurance Information Institute, fraud costs the Florida PIP insurance system one billion dollars a year.

GreatFlorida Insurance has experienced professionals located throughout the State to make sure you get the right car insurance. Contact us today.


The post Ending No-Fault Insurance appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

“The holidays are an ideal time for traveling to see family and friends. It’s a time to celebrate but when the party is over, many drivers get behind the wheel- alcohol impaired,” said Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency.

AAA reports Thanksgiving weekend as the most dangerous holiday for travel. This year they estimate an increase in holiday travel. You will have to operate with more caution as they approximate 47 million will be traveling over Thanksgiving, the most since 2007. Driving continues to be the most preferred method of transportation for travelers, thanks to low gas prices.

USA Today recently highlighted a poll that revealed many drivers are unaware that the legal drinking limit is.08 blood alcohol content or higher. While GreatFlorida Insurance represents auto insurance carriers that can provide auto insurance that can help in tough circumstances, suffering the consequences of a DUI can destructively change your life.

The night before Thanksgiving is sometimes referred to as “Black Wednesday,” or “Drinksgiving” because it is one of the busiest nights of the year at bars.  DUI arrests are at their highest between Thanksgiving and the end of New Year’s weekend. The National Institute on Alcohol Abuse and Alcoholism reports 40 percent of traffic related deaths during Christmas and New Year’s involve drunk drivers.

Impairment begins with the first drink. Once you begin to drink it is easy to underestimate alcohol’s lingering effect. The National Institute on Alcohol Abuse and Alcoholism reveals alcohol continues to influence the brain and body after you have your last call. “Even after someone stops drinking, alcohol in the stomach and intestine continues to enter the bloodstream, impairing judgement and coordination for hours.”

The key is to make sure to have a plan in place if you decide to have a drink at a gathering.  Keep tabs on the number of drinks you consume. Try drinking water or another non-alcoholic beverage between drinks. Have a designated driver or alternative ride home, a friend, cab or ride share company.

GreatFlorida Insurance wants all our customers to safely and responsibly enjoy the holiday season. We provide comprehensive car insurance at great rates. Our agents will compare car insurance from several reputable companies across the U.S. to find an auto policy suitable for you.


The post Safe Holiday Driving appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

Car tires are often overlooked when it comes to your automobile, but let’s face it, you are not getting anywhere without them. They are the less sexy, workhorse on your vehicle.  It is imperative that your car tires are safe and reliable. tells us your brakes, steering and ride comfort all have to do with the quality of your tires.

“This week’s National Transportation Safety Board NTSB, report on tire recalls is disturbing,” said Ellsworth Buck, Vice President of GreatFlorida Insurance.

The NTSB reports, only one in five defective tires is being removed from the road through the safety recall process. They claim tire manufacturers are unable to contact most tire owners and warn them of a recall.

Another 24 percent of recalled tires experience damage or are removed from the road due to normal wear and tear. That leaves 56 percent of recalled tires on the road. “Based on the work we did, that system is not working,” said Dr. Rob Molloy, Director of the NTSB’s Office of Highway Safety. “It’s completely broken.”

What’s the problem with the system? There is no requirement for most tire dealers to register the tires they sell with the manufacturer. Independent dealers sell 92 percent of tires and many of them do not make a record of the purchase making it difficult for manufacturers to contact tire owners in the event of a recall.

The NTSB reported, 55 safety recall campaigns involving, 3.2 million tires from 2009-2013. It is estimated over 500 people are killed and 19,000 injured in 33,000 tire related accidents yearly.

One case cited by the board occurred in Lake City, Florida last year. The driver of a 15-passenger van felt a vibration and pulled over to inspect the tires. Not finding a problem, he resumed driving. Soon after, a tire failed causing the van to careen off the road and roll over. Two people were killed and eight others were injured.

The defect was internal and could not be seen. The tire had been recalled over a year earlier, but it was not registered with the tire maker.

The panel of NTSB investigators unanimously recommended that Congress require tire registration and also suggested that drivers register their tires with the manufacturers.

Registering tires require sending your name, address and tire identification number to the tire maker. The number can be found on the tire sidewall and starts with the letters “DOT.”

GreatFlorida Insurance provides reliable auto insurance to cover all your needs. Contact us today to find affordable auto insurance.


The post Peril on Wheels appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

The appeal of buying a new car includes the pride of ownership, desiring the most updated features a vehicle has to offer, warranty coverage and nothing more than routine maintenance for the first several years. When you buy a new car, you do not want to end up back at the dealer’s service department getting an issue resolved. Results from the 2015 Consumer Reports Auto Reliability Survey prove not all new cars are created equal.

The data was provided by Consumer Report subscribers that are also new car owners. Information was gathered from over 740,000 vehicles for 170 models.

Most reliable brands: Lexus, Toyota, Audi, Mazda, Subaru, Kia and the Buick, (the only American made car to make the list).

The most reliable car is the Audi Q3, other top autos on the list were, the Kia Sportage, Toyota RAV4 and the Subaru Crosstrek. The popular brand, Honda fell to 8th place mainly because of problems with its infotainment system and glitches with the transmission in new models, it is still considered a top pick.

Least reliable brands:  Fiat-Chrysler, Jeep, Dodge, Ram, Cadillac, Infiniti, GMC, Chevrolet and Nissan.

The least reliable cars include: Fiat 500L, Jeep Cherokee, Chevrolet Suburban, GMC Yukon XL, Ford Fiesta and the Nissan Pathfinder. Owners reported most issues were covered under warranty. Common problems were found with the fuel pump, the transmission, infotainment systems along with general squeaks and rattles in the cars.

Excluded from the survey were, Jaguar, Land Rover, Mitsubishi, Scion, Smart and Tesla, due to a lack of data. At one time, Consumer Reports named the Tesla S, “the best car ever driven.” They stripped the vehicle of this honor due to reported squeaks, sunroof leaks and charging problems reported by owners.

Consumer Reports said of the survey results, “We recommend you wait a year or more after a brand new car design is introduced before taking the plunge.”

If you are looking for a reliable car, you naturally want reliable car insurance to match. GreatFlorida Insurance compares rates and coverage to find the best car insurance to suit you and your vehicle. Call GreatFlorida Insurance today for a free quote.


The post Florida’s Most and Least Reliable Cars for 2015 appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

What is the best way to get from point A to point B?  Calm down, this is no obscure common core math problem; it is a question many ponder as they prepare to travel. Being six weeks out from Thanksgiving and about ten from Christmas,  people are contemplating the decision, “Should we fly or drive to our destination for the holidays?”

According to a recent AAA Consumer Pulse Survey, 71 percent of Floridians plan to take an overnight trip between October and December. Now that gasoline prices are cheaper, many Floridians are opting to drive rather than fly. The study reports 43 percent plan to fly, while 47 percent will take advantage of lower gas prices and drive.

“For many the issue usually boils down to money,” says Ellsworth Buck, Vice President of GreatFlorida Insurance. “While there are some deals on air travel during the off-peak season, I think many customers are frustrated that a significant price drop in oil/gas is not being reflected in the costs of peak-season air travel.”

Aside from high prices, another issue working against airlines is air travel in general.  The American Customer Satisfaction index rates airlines as one of the least favorite industries among American consumers.

So, do you load up the car or shell out for a pricey airline ticket? You have the option to contend with possible lost or damaged luggage, long lines, delays, awkward pat downs from TSA and cramped seating. Could it be worse than coping with mind-numbing traffic and complaining passengers?

As a general rule of thumb, personal finance app, Mint recommends if the destination is less than four hours away, drive. If budget is the driving force in your decision making, has a fly or drive calculator to help you in making the decision to fly or drive for your next trip by estimating the time and costs of driving and flying.

The AAA survey found the top factors in deciding to fly or drive include:

  • Cost of airfare
  • Trip distance/length
  • Amount of luggage
  • Gas prices
  • Number of travelers
  • Traveling with pets
  • Afraid of flying

Is safety is an issue? For the record, driving is more dangerous than flying. In 2013, the National Highway Traffic Safety Administration reported 32,719 people were killed in traffic accidents in the U.S. While in sharp contrast, there were 265 deaths on commercial flights worldwide the same year.

If energy efficiency is a priority in your decision making process, the U.S.  Department of Transportation says the greenest way to travel is by bus or Amtrak.

GreatFlorida Insurance offers excellent customer service and competitive pricing on auto insurance. With over 115 offices throughout Florida, GreatFlorida Insurance is convenient and their independent agents take the time to compare prices to find  customers the best deal on auto insurance. Go online for a free quote of give us a call today.


The post Flying vs. Driving in Florida. appeared first on The GreatFlorida Insurance Blog.