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West Palm Beach, FL 33411

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Required Auto Insurance in Florida

In Florida, there are specific auto insurance laws that pertain to Florida drivers and car owners. There are two types of coverage that are required by law, and there are several others that are highly recommended for drivers though not required by law. If you need auto coverage, contact us today at Atlantis Insurance Inc. in West Palm Beach, FL.

Personal Injury Protection

Florida is considered to be a no-fault state. That means that each driver must have their own personal injury protection policy. This policy has a set amount that is allowed for medical bills after an accident. The amount required by the state is fairly low, though, and a serious accident would cost more than the minimum required amount. It’s recommended that you raise the amount you are covered for. 

Liability Coverage

There is a low amount required for property damage liability. This is coverage for the driver of the other vehicle if you were responsible for the accident. This coverage pays for the damage that your vehicle causes to theirs. The amount required is low, however, and raising it can help you to meet those charges if and when the day comes. 

In Florida, there is no amount required for bodily injury liability. The state relies on personal injury protection coverage to take care of injuries and so does not make bodily injury liability coverage required. However, your medical bills after an accident can easily outstrip your personal injury protection. That’s why it’s a good idea to add bodily injury liability to your policy. If you were to be at fault for an accident in which someone was injured, and they used all of their personal injury protection, you could be sued for the rest. If you have this liability coverage, the policy would pay toward that overage. 

Get Covered

To get your auto coverage, contact us at Atlantis insurance Inc. in West Palm Beach, FL. 

How to Help a Senior Loved One Make Financial Decisions After a Loss

Photo via Pixabay

Losing a partner or spouse is devastating, and many seniors who face this life-changing event are left not only with their grief but also with difficult decisions about their finances. Looking into the future after a loss can be scary, especially if the loved one who passed typically handled the household finances; the person left behind may be worried about how to handle their budget with only one income, or how to ensure that they can stay comfortable throughout their post-retirement years. Fortunately, there are several things you can do to help your loved one make sure their finances are in good shape, which will alleviate some of their stress.

It’s important to remember that big decisions, such as selling your home, should be considered carefully. Your loved one may be eager to put the past behind them and move forward in order to start healing, but it may not be a great time to put a house on the market, or they may not be financially prepared to make repairs and updates to the home to get it ready to sell. Help your loved one take stock of all the details before they move forward.

Here is a brief guide for helping a loved one make financial decisions after losing a spouse.

Focus on Care Options

Now is a good time to decide whether your loved one will need some type of long-term care. Some options to consider are assisted living, memory care, and independent living. Each one represents a different level of care; for example, if your loved one chooses an independent living community, they will live in a smaller space, can socialize with other seniors, and have access to a range of amenities like meal plans, fitness classes, and concierge services. Additionally, your loved one will no longer need to stress over maintaining their household, as many facilities offer services for laundry, housekeeping, and other tasks. Costs can vary depending on the facility you choose. Consider touring a few facilities to discover their amenities and specific costs.

Make Sure They Have Health Coverage

One of the most challenging aspects of getting older is finding the right health care. As beneficial as Medicare is, it can be difficult for seniors to keep track of deadlines, important dates for changes, and copayments. Talk to your loved one about signing up for a Medicare Advantage plan, which will help cover things like dentist visits and eye exams. These plans are offered by private companies and help many older adults pay for care that isn’t covered by Plans A or B.


One of the best things you can do to help your senior loved one is to help with downsizing. While moving to a smaller home can be beneficial in many ways — including saving money and added safety — selling a home is a huge process that often requires spending quite a bit of money. Research home prices in your area to determine the amount your home is worth (there are websites that can assist you with this part) and estimate how much your senior loved one may be able to earn from selling their home.

Downsizing is also time-consuming, as your loved one will need to go through all their belongings and make decisions about what to keep in their new, smaller home. Once they have decided to downsize their belongings, make sure they understand the pros and cons of this decision and help them get organized to make the job a little easier.

Before selling, it’s always a good idea to connect with an expert realtor. A knowledgeable and skilled agent can remove the stress out of selling your loved one’s home by marketing the home effectively to sell it for the highest price.

Work on a Budget

Setting a budget is essential for a senior who has recently lost their partner. Even if they have savings, they may need to use some of that for funeral arrangements, moving, or for daily living, especially if their spouse was the only one with an income. So, talk to your loved one about how they can set a budget and stick to it. This might include anything from rethinking the way they shop for groceries to selling a vehicle they don’t need.

Talk About Life Insurance

If your loved one’s spouse had life insurance, it can not only help pay for their final arrangements, but it can also help with medical bills or other outstanding debts. Make sure your loved one understands all the ways they can use the payout, and start a conversation about whether they have their own policy. It’s not always an easy talk to have, but it will be beneficial for both of you, allowing for peace of mind during a difficult time.

Helping a senior loved one make financial decisions after losing their spouse can be tricky as well as emotional. However, it’s essential to make sure they don’t jump into anything right away. Whenever possible, put off major decisions until they’ve worked through the worst of their grief in order to minimize stress and anxiety. By taking steps to help them stay financially sound, you’ll be giving them the ability to ensure their quality of life going forward

Partner Carriers

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