4 Most Important Things to Know About Florida Motor Vehicle Dealer Surety Bonds

When you're considering the start of a new business, such as an auto dealership, there are many different steps you'll need to take, and many different requirements you'll need to meet. When it comes to obtaining your Florida auto dealers license, there are numerous specifics, and one of the most essential will be obtaining the proper Florida dealer bond insurance.

Use this guide to find the 4 most important things to know about Florida motor vehicle dealer surety bonds, to make sure you handle everything you need in the right way.

1. Dealer Bonds Are Always Required:

There are 10 different Florida auto dealers license types according to the Florida Department of Highway Safety and Motor Vehicles, but regardless of which type you have or need, you will need to have Florida dealer bond insurance in place. That requirement remains consistent, however, other factors as described below will differ.

2. Different Amounts:

Depending on the type of license you are operating under, you'll need Florida motor vehicle dealer surety bonds in different amounts. All motor vehicle dealers in the state need a $ 25,000 bond, for example. However, recreational vehicle dealers only need a $ 10,000 surety bond.

Additionally, you'll also have the option to pursue a line of credit in the same amount, as opposed to traditional Florida dealer bond insurance. This is a less common option though and often places more potential burden on the business owner. It may be easier for you to obtain though, depending on credit statuses and so forth.

3. Deadlines and Renewals:

In the state of Florida, motor vehicle dealer surety bonds are set to expire annually. However, different license types will have different expiration dates, so it's important not to make any assumptions.

For example, Independent Dealers, who have a VI license and sell only used vehicles, have an expiration date of April 30. However, Franchise Dealers with VF licensing, who can sell both new and used cars, have a December 31 expiration. Recreational vehicle dealers, both RV and RU licensing, expire on September 30.

These differenting dates are important to keep in mind, because if you miss your renewal date, you can unknowingly be committing a serious crime, and face major consequences. The dates are also different so as to reduce processing time across the year instead of having one major rush.

4. Other Requirements are Necessary:

Florida dealer bond insurance is one of the primary requirements for licensure. However, it's certainly not the only one. You'll also need proper garage liability insurance with the correct established minimums, and you'll need to ensure you file the right HSMV paperwork with the right fees, get a Federal employee ID number, get fingerprinted, undergo pre-licensing training, and more.

Hopefully by now you've learned more about Florida motor vehicle dealer surety bonds, and the different needs and requirements, and varying steps in the process. There's a lot to sort through, but having all the information available upfront will make everything much easier and smoother.



Source by John Rothschild

5 Auto Repair Readiness Things You Must Do To Winterize Your Vehicle

Winter is coming, and just like you'll want to take steps to winterize your house against the cold weather, you should also prepare your vehicle against the onslaught of old man winter. Winterizing your auto is not difficult or too time-consuming. Most of the steps can be done on a do-it-yourself basis. The time and trouble spent following a simple winter prep routine will allow you to drive more comfortably and confidently when the cold weather hits. Here's a list of things to consider.

Engine Oil

Changing your engine oil and filter at the beginning of the cold season is a good idea. If you live in an area where the temperature drops below freezing, you might consider running thinner oil during winter. If you typically use 10W-30, switching to 5W-30 will provide better engine protection when driving in cold weather. If you're currently using conventional motor oil, consider the benefits of modern synthetic oils. These have been shown to give better anti-friction protection and allow for greater time or distance between oil changes.

Tires

Make sure you have the appropriate tires for winter driving is critical, especially for drivers likely to encounter snow and ice. Good all-season radials may provide adequate all year driving performance in areas where snow and ice are only a minor concern. Just make sure there's plenty of tread, with 2/16 "being the minimum.

In locales where snow- and ice-covered roads are typical, specialized snow or winter tires are recommended. This means having two separate sets of tires for your vehicle and switching them out at the beginning and end of the winter season. Keeping track of which tires were removed from which wheels will enable you to incorporate your regular tire rotation routine into the swapping over process.

Battery

Car batteries require more power to start an engine in cold weather and the preventive maintenance you perform now can save you from being stranded later. Batteries need to be topped off to the full level line and should have a charge of at least 12.4 volts. Make sure your battery cables are in good condition, with no cracks or cracks, and that the connectors are clean and fit tightly to the battery terminal posts.

Fluids

An automobile requires a variety of different fluids to perform properly and these should be checked to ensure that they are at the proper fill-level. These include power steering fluid, transmission oil and brake fluid. For proper winterizing, windshield washer fluid should be topped off with a solution that contains anti-freeze or some other additive that will prevent the fluid from freezing. This is also a good time to check the condition of your windshield wipers and to ensure that the nozzles that deliver the windshield spray are not plugged and are properly aimed for good coverage.

The radiator should be checked for leaks and filled with the proper mixture of water and anti-freeze, determined by the temperature in the area you'll typically be driving. A radiator flush is not a bad idea either, and will extend the life of this critical component.

Exterior Treatments

If your car's exterior has suffered any recent damage that has not been repaired, it's best taken care of before winter sets in. The harsh weather combined with salt used on roads will accelerate any rust or corrosion developing in the area of ​​a dent or ding. A good cleaning and polishing of your auto's exterior will provide wintertime protection from the elements, and should also be considered.

These five items are a good place to start your auto repair winterizing and should be done before the first frost. These preparations should give you peace of mind and should help to ensure trouble free winter driving.



Source by Ron Stockton

Choosing a Top Online Casino

Choosing a top online casino is not easy because of the overwhelming number of casinos that are found on the internet. A player should first do a Google search by typing “top online casinos” and read the many reviews that have been written on such casinos. A top online casino would have a government approved license to run the casino as well as a 24/7 customer support department that you can contact incase of an emergency. It would also have an Interactive Gaming Council (IGC) logo on its site.

Protecting a player’s personal information should be one of the main concerns of an online casino. Top online casinos will always have the 128-Bit Secure Socket Layer (SSL) in their banking section to protect a player’s credit card information as well as other personal information. A top online casino should have reputable gaming software for its players to download. The best gaming software a casino has will also confirm that it offers its players good bonuses. Microgaming is the leaders in gaming software for online casinos. Top online casinos are usually the Microgaming online casinos because they offer amazing graphic and sounds in their games which makes a player feel that he is playing in a real casino.

The bonuses offered by these casinos are usually better than other virtual casinos on the internet. But Microgaming online casinos do not accept U.S. players. A top online casino will also offer a person free games to play to improve his skills at a game without having to wager any gambling money. A player should also take time to check the terms and conditions of the online casino. By doing so he will be aware of what are the restrictions on the bonuses offered and the wagering requirements of the bonuses, payout percentage of a game, etc.

It’s not difficult to find a top online casino if one remembers to take the time to check whether it has reliable software, has a government approved licensed and is also licensed and monitored by an accounting company, offers a 24 hour 7 day customer support system, and gives information of the companies financial background and payment structures.

But just as it is important in choosing a top online casino, it is also important that a player knows the rules of the game he plans to play. This will increase his chances of winning. One plus point of online casinos is that a lot of them will offer its players to play a few games for free to improve their skills before wagering any real money. A player new to online gambling will benefit greatly by playing free games.



Source by Aoureliou Televko

Truckers Need Commercial Truck Insurance

If you are driving a commercial vehicle, especially a semi-truck, then you need commercial truck insurance to protect yourself and your rig from personal injury attorneys and lawsuit. This also applies to business owners who own a vehicle that is rented, leased, or used by more than one person.

Generally, most policies will cover your medical bills and expenses, should you get in a wreck. This is not to be underestimated with the current price of healthcare and the grave nature of most automobile accidents when traveling even at a minimal speed.

Your policy should cover underinsured and uninsured motorists. If you get in a wreck and the party at fault has no insurance or does not have enough insurance to cover the damages done to you or your truck, then your insurance company should be there to cover the rest.

It should also cover your motor cargo. This aspect is extremely important if you are transporting something that is highly valuable. This could be just about anything, but you do not want to be on the hook for the price of your cargo due to an auto accident.

Make sure your commercial truck insurance covers you on bodily injury, property damage, and liability. If you are not covered by an insurance company, you could be taken to court and forced to pay the damages or medical bills out of your own pocket.

Do not forget to ensure that you have automotive damage insurance by way of collision, theft, fire, or other type of damage to the vehicle. Besides medical bills, auto repairs are probably the second most expensive thing that insurance can cover for you. Don’t get stuck paying for repairs to your rig out of your own pocket and make sure your policy has you covered.

There are plenty of standard options as well as customizable policies. Let’s look at some of the standard packages. Business interruption coverage will protect you or your company from lost wages after a covered loss.

Umbrella coverage provides the customer with a much higher liability limit than your average primary commercial truck insurance policies.

Tool and equipment coverage will protect your tools and equipment that are stored in company vehicles. This goes hand in hand with cargo insurance, which makes sure that your manifest is insured in transport or in storage, so you can rest assured that your product is safe.

Driving without insurance is illegal in the United States, and driving a commercial truck without commercial truck insurance is just stupid. Keep yourself protected and get in touch with your local insurance agent.



Source by Aaliyah Arthur

7 Tips for Saving Money on Car Rentals

Renting cars does not have to be as expensive as you'd imagine and sometimes you can a great deal just by working with the car rental companies systems to get the best deal you can without compromising on the service you receive.

Car Rental companies have many complex operations and fees that they need to take into account when setting their rental charges so, if you know what these are and how to avoid them, you can get a car rental, very similar to the one you ideally want , at a greatly reduced price.

Follow these simple tips and use as many of them as you can while still getting the rental you need and you should be able to save a lot of money on your next car rental.

– Picking a Car up at the Airport

Car Rental companies have to pay what's called an "Airport Concession Fee" for all the cars they rent from their airport locations. This is basically a charge made by the Airport to the rental company to allow them to rent cars from the Airport. Obviously the rental companies pass this on to their customers, so if there's a rental location close to the Airport you can use, you could save money by booking there instead.

– Book the Most Popular Car Group

Car Rental companies have to manage a complex stock system to make sure they've got the right cars in the right places at the right time. The more popular the car group, the more difficult it is for them to maintain stock. Generally, if they do not have the car you booked they'll give you a free upgrade. This is because the larger, more expensive cars do not get booked as much as the smaller cheaper cars. If you book the smallest car that is acceptable to you, there's always a good chance of getting a free upgrade if you're picking it up at a busy time.

– Book Well in Advance

Because it's much easier to forecast how many cars they need if they've got all their bookings in advance, the car rental companies will very often have their cheapest rates loaded for rates well in advance, so book your car as soon as you know your travel dates and save more.

– Always Get a Discount Code

Apart from during peak periods (Christmas, Easter and the height of Summer), you should always able to get some kind of discount code, although you might have to hunt around a little to find it. Always check the terms of the offers as often, even though an offer might say it's for a weekend rental, you could still use the offer for other times. It's worth searching a little to find one.

– Watch Your Collection and Return Times

Another trick to watch out for is that most rental companies charge daily rates. That means if you pick up a car at 10am and take it back at 11am the next day you'll get charged for 2 days rental. Wherever possible try and ensure that your return time is always the same, or preferably just before your collection time. This way you'll never get charged the extra day.

– Where Possible, Book When They've Got Too Many Cars

If your travel plans are reasonably open try and book when they've got too many cars and you could land yourself an absolute bargain. Book just after Christmas and you could find that all the cars that have just been returned are very cheap to book. In car rental terms, a car sat in their car park is a huge cost and they'd rather let you have it very cheaply than just have it sitting there.

– Always Ask for More

The one golden rule to bear in mind is to always ask for more, the worst they can do is say no. When you get to the counter always ask if they have any free upgrades. Often, this prompt may be all they need to remember that they can not shift that big Mercedes out the back, and if you had it, they would not have to worry about it anymore!

Each one of these tips should save you some money the next time you rent a car. If you can combine all 7 of them into one rental, you'll be amazed by how little you need to pay to drive a very nice car for your rental!



Source by John Abrahams