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

Car Rental in Girona – Make a Memorable Trip to Girona

Every place in this world proud for its dramatic history! Girona is also one of them. Girona is one of the most attractive city of Spain. Basically the Catalonia people use to leave year for a reasonable time period. The first population of the area was the Iberians, after them Roman came in and built a fortification there and named it as Gerunda. Girona is the land where many culture have developed and vanished but lastly it was controlled by the Roman Empire. In the 12th century the Jewish society flourished in the Girona. After all it's a rich heritage site full of remarkable culture and beautiful places.

The city is it self like a perfect traveling place, where many top class hotels, restaurants, bars and the market attracts many travelers that are here to enjoy their holiday. Many beautiful beaches and the natural beauty are making special space in traveler hearts. It's the oldest town located on the east bank of the river, with narrow streets surrounding by the old city walls. But the newer town is situated at the middle of west bank that has wide streets and many well designed hotels and cheaper restaurants. In case of old town and new town both have crossed the river and are extremely pedestrianized. The beautiful beaches are getting filled with people especially in August and the city is becoming very quiet on the Saturdays and Sundays.

If you are planning for a trip to Girona, the weather can not become a matter of concern for you because the weather of the city is very friendly and suitable for everyone. Girona also makes a unique spot on the world tourist maps. The people of the city are helpful and friendly in nature. If you are facing any type of problem in the time of traveling, the locals can guide you a lot about the location and the best attraction of their city.

If you are moving for the first time to Girona, than it's always better for you to search the Girona map on the Internet! The Internet informs you about the best spots of the city. Girona is located north of Barcelona and you can easily reached by bus, train and cars. The airport is located on the AP-7 highways, where you can easily hire a car in rental to Girona. There are many traveling companies providing their new customer cheaper price to attract more and more tourists. If you are making the trip for the first time, then never take the matter so seriously because there are many car drivers and the service provider that can guide you about the roots and best spots of the Girona. So it's always better for you to hire a car on rental basis to make your trip comfortable.



Source by Daniel Mathews

Travel Insurance – A Must-Have For International Travelers

Traveling is one activity that every individual must undertake at one time or the other; it does not matter what the purpose of travel is, or whether the travel is local or international. A lot of people actually look forward to traveling to other parts of the world for various reasons and purposes, including but not limited to business, tourism, vacation, pilgrimage, education and for medical attention.

The euphoria to travel outside of one's domain usually comes with a lot of preparations, and more often than not, a great deal of resources are deployed to ensure that the travel is actually takes place; and these include acquisition of an international passport, medical tests (where applicable), expensive visa processing fees, flight booking and hotel reservation.

A lot of people will do anything and everything just to actualize their international travel ambition. And to be very candid here, international travel is actually fun and something to look forward to. Traveling, especially international travels, is a form of education for the travelers as they have an opportunity to see new environments, meet new people, and learn how things are done elsewhere.

International travel affords the traveller a lot of opportunities irrespective of their original purpose of travel. These include business opportunities, educational opportunities, employment opportunities and even maritime opportunities. Unfortunately, however, it is only these and many other opportunities that these (would-be) travelers see. They seem to be ignorant or care less about risks that are embedded in international travels, so they do not take any steps towards mitigating such risks.

At this joke, you may be tempted to ask the question: "What are those risks that are associated with international travels?" Very good question. Just read on, as most of those risks are discussed in the following paragraphs.

Risks Associated with International Travels

As interesting, fun, enjoyable, profitable and educated as international travels may be, they also come with their own downsides – the risks – just as every other thing in life. And very fortunately for travelers, most of these risks can be transferred to professional travel insurance providers, by way of buying a travel insurance – also referred to as "travel health insurance" or "travel medical insurance".

These international travel risks are many and varied, and they include, but not limited to:

  • Sudden illness in the country of destination requiring urgent medical attention and / or hospitalization.
  • Involvement in an accident leading to bodily injuries, temporary or permanent disability, or death
  • Loss of checked-in baggage
  • Loss of valuable items such as international passport, drivers' license, national identity card, etc.
  • Personal liabilities abroad
  • Emergency dental cases
  • Hijacking
  • Arrest by law enforcement agencies requiring sealing and legal defense

Another question that may be asked at this joke is: "Do travel insurance policies cover all the above-mentioned risks?" And the answer is a big YES, and so much more.

Covers and Benefits Provided by Major Travel Insurance Policies

Below is a list of most of the covers and benefits provided by travel insurance policies – depending on the providers. So the next time you buy a travel insurance policy, look out for these covers and benefits.

  • Medical Expenses and hospitalization abroad
  • Emergency Medical Evacuation
  • Repatriation after treatment
  • Emergency dental care
  • Repatriation of family member traveling with the insured
  • Travel of one Immediate Family Member
  • Emergency Return Home following Death of Close Relative
  • Repatriation of Mortal Remains
  • Medical Assistance
  • Legal Assistance
  • Pre-Departure Services
  • International General Assistance
  • Abroad Information Assistance about lost Luggage and Passport,
  • Delivery of Medicines
  • Legal Defense
  • Advance of Bail Bond
  • Hijacking in means of Public Transport
  • Loss of Passport, driving license, national identity card abroad
  • Compensation for in-flight loss of checked-in baggage
  • Compensation for delay in the arrival of luggage
  • Delayed Departure
  • Location and forwarding of baggage and personal effects.
  • Accidental Death
  • Permanent Disability
  • Personal Civil Liability
  • Trip Cancellation Expenses

Risks Not Covered By Travel Insurance Policies

Having talked about the covers and benefits afforded by travel insurance, it is also important to consider the risks that are not covered by most of these policies, as listed below:

  • Participation in criminal acts, or as a result of his / her fraudulent, seriously negligent or reckless actions including those actions of the Insured in a state of derangement or under psychiatric treatment costs for which are themselves excluded;
  • Natural phenomena such as floods, earthquakes, landslides, volcanic eruptions, atypical cyclonic storms, falling objects from space and aerolites, and in general any exceptional atmospheric, meteorological, seismic or geological phenomenon any other type of natural disaster;
  • Events arising from terrorism, mutiny or crow distortions;
  • Events or actions of the Armed Forces or Security Forces in peacetime;
  • Wars, with or without prior declaration, and any conflicts or international interventions using force or duress or military operations of whatever type.
  • Participation in bets, challenges or brawls, save in the case of legitimate immunity or necessity;
  • Pre-existing Illness or injuries
  • Participation in competitions, sports, and preparatory or training tests;
  • Motor racing or motorcycle racing, horse riding, climbing, pot holing, boxing, wrestling in any of its modes, martial arts, parachuting, hot air ballooning, free falling, gliding and, in general, any sport or recreational activity that is known to be dangerous;
  • Participation in competitions or tournaments organized by sporting federations or similar organizations.
  • Hazardous winter and / or summer sports such as skiing and / or similar sports.
  • Work-related accidents
  • Internally and locally recognized epidemics.
  • Illnesses or injuries arising from chronic ailments or from those that exist prior to theception date of the policy;
  • Death or injuries as a result of suicide or attempted suicide or any self-infected injuries.
  • Illness, injuries or pathological states caused by the consumption of alcohol, drugs, toxic substances, narcotics or medicines accepted without medical prescription, as well as any kind of mental illness or mental imbalance;
  • Illness or injuries caused by pregnancy and childbirth or any complication therefore or voluntary termination of pregnancy;

Where to Buy Travel Insurances

Travel insurances can be bought online – and there are many travel insurance providers to buy from. All you need to do is locate your preferred provider, and complete the online form or questionnaire, and make your payment, and policy is made available to you for immediate printing or sent to your email address.

You can also buy travel insurance offline from a local insurance company or travel agency. whatever method of purchase you choose, you can rest assured that you will be fully protected against insurable gravel insurance risks.

Using Your Travel Insurance

After you have bought your travel insurance policy, whether it is self-purchased using the provider's online portal, at a travel agency or through a local insurance company, you should make sure that you do not forget to take the document with you while traveling. This is so important because you may be required to produce that document by relevant bodies.

You should take particular note of your policy number (if possible copy the number somewhere else) as it will be required by the service providers to property identify you when you call them for assistance.

Another thing you should take note of on your travel insurance certificate or policy document is the Assistance Company's telephone numbers that you need to call when you need help. These numbers are always conspicuously written on the travel insurance document – so take note of them.

You should endeavor to read as much of the document as possible so as to understand the covers provided, the terms and conditions of the policy as well as its exclusions. And very importantly, when making a claim on your policy, be honest and avoid every form of fraudulent practices .

Summary and Conclusion

There are other benefits that travel insurance policies provide which can not be exhaustively discussed here. But having read the few benefits discussed above, you will agree that really, Travel Insurance is a must-have for a successful trip. So the next time you are planning an international travel, make the purchase of a travel insurance a top priority. It is quite affordable, and anyone can buy it. The peace of mind and the protection it will afford you are awesome.



Source by Anthony Ekanem

Travel Insurance Mexico

Mexico has been one of the most popular destinations for vacation, especially people from United State of America. There are also many businessmen who go to Mexico on a business trips. Be it business or vacation, the most important aspect of travelling is to be aptly insured.

The most common insurance policies to travellers, in particularly, drivers of their own vehicles are Mexico auto insurance, which provide insurance coverage for cars. Apart from automobile, health is another aspect, which is believed to be necessary. However, it is not exactly popular to travellers, mainly because many people felt that it is not really necessary. Another form of insurance coverage is travel insurance, a type of insurance product that provides coverage based on a list of stipulated unforeseen situations that resulted in suffering of monetary loss during your vacation.

Travel insurance is the most important thing you probably need to have because the likelihood of experiencing unforeseen and unfortunate events may be quite high. Technically, the reason why the chances are high is because you are in a foreign country where there are a number of things that you would not even be informed of. For example, if you have missed or delayed your flight due to natural disaster or even human factor like riots, workers go on strike or major public disorder, you will probably need to bear such cost if you do not happened to have a travel insurance policy. Another important component in a typical travel insurance policy is the coverage for loss of valuables. Mexico is not the safest countries to visit basically, so such availability of coverage in this aspect may be really assuring and helpful.

There are a few points to note with regards to travel insurance. First of all, it is to note that the travel insurance policy must be purchased locally, that is to say the country you belong to before you entered the country of visit. Secondly, it is important to take some time going through various insurance companies before buying one because you will have time to go through the policies in respect to their areas of coverage as well as their price in order to get the best deal. And lastly, it is also to note that buying travel insurance online is more cost effective and convenient. It is generally lower in price mainly due to lower operational cost and fierce competitions.



Source by Robert Mall