How Good To Go Insurance Works in Miami Beach, Florida

Public transportation, which is operated by MDT (Miami-Dade Transit) and bicycle are heavily used; they have become major parts of city life as well. When it comes to auto insurance, Miami Beach follows the rules regulated by Florida Office of Insurance Regulation. Good to Go Insurance does not currently have the license to offer and underwrite auto insurance policy in the city, but it can always refer you to other companies that can provide legal insurance for you.

Good 2 Go works as a subsidiary of American Independent Companies, Inc. There are at least three companies under this insurance firm that are licensed in Florida including American Independent Insurance Company, Omni Insurance Company, and Omni Indemnity Company. Goodtogoinsurance is not allowed to sell and underwrite insurance policies in the state. The company will mainly refer you to the mentioned affiliates or even non-affiliates to provide legal insurance policies that comply with the state’s regulations.

Miami Beach Auto Insurance Regulations

Similar to any city in Florida, auto insurance laws in Miami Beach are regulated by Florida Office of Insurance Regulations. Florida is one of few states in the U.S. that still implement no-fault insurance. This means your insurance company will pay your medical cost due to an accident regardless of who is at fault. Minimum liability requirements for auto insurance in Miami are as follows:

PIP (Personal Injury Protection): this is the coverage that acts as the no-fault coverage. It pays your medical cost caused by an accident, no matter who is at fault. It also covers your child and passengers. Anyone with a valid driving license who drives your car will also be financially protected in case someone gets injured in an accident. In case you are sued by another person involved in the event of an accident, PIP also provides legal defense on your behalf. The minimum limit is for PIP is $10,000.

PDL (Property Damage Liability): when you are liable for damages to other people’s properties such as cars or fences, PDL coverage will provide the payout. The minimum liability limit for this coverage is $10,000.

Good to go auto insurance company in Miami Beach also offer some extra coverage as well, for example, collision, comprehensive, separate medical payment coverage, rental reimbursement, etc. The state requires those additional types of coverage, but they provide more complete financial protection.

Building On The Beach In Belize

Ok it’s your dream right? Reclining on a sun drenched beach, palm trees waving in the cool breeze, fringing golden sand, clear blue sea, drink in hand watching the frigate birds soar overhead.

And what is missing? Why your palapa roofed cabana of course, to complete the picture and make it perfect.

So just how realistic is this dream? Can it really be done? On a small budget? I will try to answer both these questions.

First, can it be done? The answer is YES. But now we come to the provisos. If you are building on or near the beach, your first question is where is the nearest road to bring in building materials and manpower? The further away from a road you are, the higher the cost. If there is no road access the cost will rocket.

One of the key questions is how the house/cabana will be built-cement blocks or wood. This matter is hotly debated by all and sundry and it is true there are pros and cons of both. Cement blocks last longer, but are heavier to bring in, and more expensive. Wood is lighter easier to replace, and cheaper but prone to termite attack and rot.

OUR EXPERIENCE: some say brick built houses stand up better in hurricanes. Don’t worry about hurricane damage. Get hurricane insurance (but don’t wait till the hurricane season, June-November, otherwise insurance quotas will be filled) Whatever your house is built of, a hurricane is going to cause great damage if you are right on the beach. And remember the major damage is not going to be caused by wind, it will be water damage from that 20ft tidal wave coming through. Even if the structure of the house survives everything inside will be destroyed. I built in wood for ease of repair. All that said, Belize does not get many hurricanes, and only one in eighty years down south where I am. So Idid not consider hurricane damage as a major issue.

On a beach careful attention needs to be paid to your foundations. The cabana will be built on piles for protection against high tides, and local storms and rough seas. The underlying geology needs to be probed. This really should be done by a structural engineer but in the real world most people drive a long length of rebar into the ground. If you can get past about six feet-think again about your site!

OUR EXPERIENCE: I used the rebar method. Our house and cabanas were built on a concrete matrix so that all the piles were linked together in a single cement structure, the concrete base being buried 3ft down . That design survived the Monkey River earthquake in 2007 with no structural damage at all.

Next key question : who is going to build the cabana? This is vitally important. There are all too many people who claim building skills and few who can substantiate their claims. A local recommendation is essential. Non-performance, tools and materials disappearing, misunderstanding of plans and instructions-all these are commonplace. The work should be as closely supervised as possible, far more than you would expect to have to do back home.

OUR EXPERIENCE: I was lucky. I had an American friend down the beach who had already built his own house. He managed my building project using a local team he knew personally. That worked perfectly.

Overall design. It is best to keep cabanas simple (=lower cost) Don’t build big bedrooms, living rooms etc. But DO have a big veranda/deck. That’s where you will be spending most of your time. Take care to face your house into the normal prevailing wind so as to avoid needing airconditioning.

I hope this has been helpful. Look for my next article will cover offgrid power-do’s and don’ts

Growing Tourist Destination, Victoria Falls

Victoria Falls, nestled between Zimbabwe and Zambia, is one of the most spectacular tourist destinations in the world. The Falls has been named one of the Seven Wonders of the World, and one can definitely see why. Known locally as Mosi-oa-Tunya (the Smoke that Thunders), the Victoria Falls is one of the most beautiful sights in the world.

Over the years the Victoria Falls has been gaining popularity, making it one of the most popular tourist destinations in Africa. Any well-travelled tourist or travel agent will be able to tell you that a trip to the Victoria Falls is a not-to-be-missed experience.

The Victoria Falls is one of the greatest waterfalls in the world, and is twice as tall as the Niagara Falls in Canada. The Vic Falls, as it is commonly known, is 1 708 meters wide, making it the largest curtain of water in the world. With breathtaking drops of between 90 107 metres, into the roaring waters of the Zambezi Gorge, the Vic Falls is as powerful
as it is beautiful.

The area has been remarkably preserved in its natural state, inspiring visitors from far and wide. Essentially, people make the trip for the beauty and majesty of the Falls, however while the Victoria Falls is best known for this beauty and majesty, there are numerous other activities in Victoria Falls for those interested in visiting this world renowned destination.

Victoria Falls is spectacular throughout the year – the best time to visit will be from February to May. This is when you can witness the greatest flow of water. Be careful though – the heavy flow of water means things can get a little wet. Activities are varied in and around the Victoria Falls. Activities range from romantic sunset cruises and elephant rides, to more specialised fly fishing excursions, and not to mention adrenaline-fuelled fun.

For the wild at heart, a 111 meter bungee jump offers a much needed adrenaline rush. White water rafting is said by many as being a not-to-be-missed opportunity, with the Victoria Falls rated as one of the best white water rafting locations in the world. Body boarding on the tempestuous Zambezi River is also an exhilarating experience.

Another worthwhile place of interest is the Victoria Falls National Park, situated in north-western Zimbabwe. This park is notable in that it boasts a rainforest which grows in the spray of the Falls. This rainforest is home to a variety of plant life, including ferns, palms, liana veins, and a number of others not seen anywhere else in the region.

The surrounding towns of Victoria Falls (Zimbabwe side) and Livingstone (Zambia side) offers much of what you can expect from an internationally recognised destination – hotels, guest houses, supermarkets, tourism centre and airports, making the area itself well equipped to handle the throngs of visitors it receives each year.

The Victoria Falls, whether for its mesmerising beauty, exciting activities, cultural experience or simply to bask in the sheer tranquillity of the area, is and will always be one of the most loved and cherished natural attractions that Southern Africa has to offer.