Avp Insurance & Traffic School Inc

Avp Insurance & Traffic School Inc 🔒 Protegendo o seu futuro com total confiança.

🛡️ Especialistas em segurança e proteção dedicados a você.

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It's never been easier to find the right insurance policy than with AVP Insurance & Traffic School, Inc. at your side. Our insurance agency in Pompano Beach, FL, helps people protect their homes, vehicles, and businesses by helping find the right insurance policy for them. With almost 20 years of experience, we have your back when it comes to finding the best solutions for your insurance needs. We

're here for you, even if you have moving violations. In fact, clients can join our in-house traffic school if needed! We are your advocate and partner, ensuring that you have what you need to find the right insurance policy or join traffic school. We're located behind Lowe’s on the second level across from the Driver’s License Office. Visit today!

Under Florida insurance contract law, a claim can be denied when the information provided at the time of an application ...
05/29/2026

Under Florida insurance contract law, a claim can be denied when the information provided at the time of an application does not match the actual facts at the time of loss. Common triggers include misrepresented usage type (pleasure vs. commute vs. business), undisclosed drivers, or coverage that was simply not included in the policy. Reviewing your policy before you need it is the most effective form of protection. | Source: Florida Statutes Chapter 627 / Insurance contract principles
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Pela legislação de contratos de seguro da Flórida, um sinistro pode ser negado quando as informações declaradas na contratação não correspondem aos fatos no momento do sinistro. Os gatilhos mais comuns incluem tipo de uso declarado incorretamente (pleasure, commute ou business), motoristas não informados ou coberturas simplesmente ausentes na apólice. Revisar sua apólice antes de precisar dela é a proteção mais eficaz.
💬 Você já revisou se o uso declarado do seu carro está correto?

In Florida, a gap in auto insurance coverage — even one that seems brief — is treated as a lapse by most insurers and by...
05/29/2026

In Florida, a gap in auto insurance coverage — even one that seems brief — is treated as a lapse by most insurers and by the DHSMV. Insurers may reclassify a driver as higher risk upon reinstatement, remove continuous coverage discounts, and apply surcharges. The DHSMV cross-references insurance data with registration records; lapses beyond the allowable window can trigger suspension and reinstatement fees. | Source: Florida DHSMV insurance compliance process / Florida Statute 627.7281
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Na Flórida, uma interrupção na cobertura de seguro auto — mesmo que pareça breve — é tratada como lapse pela maioria das seguradoras e pelo DHSMV. As seguradoras podem reclassificar o motorista como risco maior na recontratação, remover descontos de cobertura contínua e aplicar sobretaxas. O DHSMV cruza dados de seguro com registros de placa; interrupções além do período permitido podem gerar suspensão e taxas de reativação.
💬 Você sabia que até uma pequena pausa pode mudar sua tarifa?

Memorial Day honors the men and women of the U.S. military who gave their lives in service to this country.At AVP, we wo...
05/25/2026

Memorial Day honors the men and women of the U.S. military who gave their lives in service to this country.
At AVP, we work every day with people who chose to build their lives here — in a country defended by that sacrifice.
Today, we remember.
🕯️ National Moment of Remembrance: 3 PM local time.
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O Memorial Day homenageia homens e mulheres das forças armadas dos EUA que deram a vida servindo este país.
Na AVP, trabalhamos todos os dias com pessoas que escolheram construir sua vida aqui — num país protegido por esse sacrifício.
Hoje, a gente lembra.
🕯️ Momento Nacional de Lembrança: 15h, horário local.

Florida insurance rates are influenced by regional claims data, parts inflation, reinsurance costs, and insurer-specific...
05/22/2026

Florida insurance rates are influenced by regional claims data, parts inflation, reinsurance costs, and insurer-specific adjustments — none of which require a personal incident to trigger a rate change. Under Florida law, insurers must file rate changes with the Florida Office of Insurance Regulation. A rate increase doesn't mean you're stuck — it means it's time to review your policy structure and compare options. | Source: Florida Office of Insurance Regulation / FLOIR rate filing process
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As tarifas de seguro na Flórida são influenciadas por dados regionais de sinistros, inflação de peças, custo de resseguro e ajustes internos das seguradoras — nada disso exige um incidente pessoal para acionar o reajuste. Pela legislação da Flórida, as seguradoras precisam protocolar mudanças de tarifa junto ao Florida Office of Insurance Regulation. Aumento de tarifa não significa que você está preso, mas que é hora de revisar sua apólice e comparar opções.
💬 Seu seguro subiu recentemente? Você comparou opções?

Florida's Personal Injury Protection (PIP) under Statute 627.736 provides up to $10,000 in benefits for medical expenses...
05/22/2026

Florida's Personal Injury Protection (PIP) under Statute 627.736 provides up to $10,000 in benefits for medical expenses and lost wages after an accident — regardless of who is at fault.
However, PIP has critical limitations: benefits are split between emergency and non-emergency treatment, treatment must begin within 14 days of the accident, and the $10,000 limit is shared across covered expenses. PIP does not cover all injury-related costs, and it does not replace bodily injury liability coverage. | Source: Florida Statute 627.736 (Personal Injury Protection)
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O Personal Injury Protection (PIP) da Flórida, pelo Statute 627.736, oferece até $10.000 em benefícios para despesas médicas e perda de renda após um acidente — independentemente de culpa.
Porém, o PIP tem limitações críticas: os benefícios são divididos entre tratamento emergencial e não emergencial. O tratamento precisa começar em até 14 dias após o acidente e o limite de $10.000 é compartilhado entre as despesas cobertas. O PIP não cobre todos os custos relacionados a lesões nem substitui a cobertura de bodily injury liability.
đź’¬ VocĂŞ sabia que o prazo para iniciar o tratamento Ă© de 14 dias?

Understanding your insurance policy before you need to use it is one of the most practical financial decisions you can m...
05/21/2026

Understanding your insurance policy before you need to use it is one of the most practical financial decisions you can make.
In Florida, where insurance litigation, PIP rules, and coverage gaps are common points of dispute, knowing your policy limits, exclusions, and claim procedures in advance puts you in a significantly stronger position. Don't wait for the accident to become familiar with your coverage. | Source: Florida Department of Financial Services / Consumer Insurance Guidance
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Entender sua apólice de seguro antes de precisar usá-la é uma das decisões financeiras mais práticas que você pode tomar.
Na Flórida, onde litígios relacionados a seguros, regras de PIP e lacunas de cobertura são pontos comuns de disputa, conhecer seus limites, exclusões e procedimentos de sinistro com antecedência coloca você em posição significativamente mais forte. Não espere o acidente para conhecer sua cobertura.
💬 Você já leu sua apólice inteira pelo menos uma vez?

A wave of fake traffic violation texts is hitting Florida drivers right now and it's convincing enough to fool even poli...
05/18/2026

A wave of fake traffic violation texts is hitting Florida drivers right now and it's convincing enough to fool even police officers.
The messages impersonate the FLHSMV, county courts, or traffic departments. They threaten license suspension, vehicle registration cancellation, or legal action if you don't pay immediately. Some include fake case numbers, QR codes, and links that look official.
Here's what's real:
→ Legitimate traffic citations are sent by mail or accessed through official county/state websites
→ The FLHSMV does not send unsolicited texts demanding payment
→ Government agencies do not threaten arrest or suspension via SMS
If you receive one:
❌ Do not click any link or scan any QR code
❌ Do not share personal or financial information
âś… Verify any citation at http://flhsmv.gov or your county Clerk of Courts âś… Report it to the FTC at http://ReportFraud.ftc.gov
âś… Forward the text to 7726 (SPAM)
📚 Sources: FLHSMV Scam Alert · FTC Consumer Advice (April 2026) · Florida Court Clerks & Comptrollers
đź’¬ Have you or someone you know received these messages?
Uma onda de mensagens falsas sobre multas de trânsito está atingindo motoristas na Flórida e é convincente para enganar até agentes públicos.
As mensagens se passam pelo FLHSMV, tribunais ou departamentos de trânsito. Ameaçam suspensão da carteira, cancelamento do registro ou ação judicial caso não pague imediatamente. Algumas incluem números de processo falsos, QR codes e links com aparência oficial.
Fatos:
→ Autuações legítimas chegam por carta ou são acessadas pelo site oficial do estado ou do tribunal do condado
→ O FLHSMV não envia mensagens de texto cobrando
→ Órgãos públicos não ameaçam prisão ou suspensão por SMS
Se vocĂŞ receber uma:
❌ Não clique em nenhum link nem escaneie QR Code
❌ Não compartilhe dados pessoais ou financeiros
✅ Verifique qualquer infração em http://flhsmv.gov ou no Clerk of Courts do seu condado
âś… Denuncie Ă  FTC em http://ReportFraud.ftc.gov
âś… Encaminhe o SMS para 7726 (SPAM)
📚 FLHSMV Scam Alert · FTC Consumer Advice (abril de 2026) · Florida Court Clerks & Comptrollers
đź’¬ VocĂŞ ou algum conhecido recebeu essas mensagens?

Under Florida Statute 320.02 and 627.7281, canceling your auto insurance without surrendering your license plate can tri...
05/15/2026

Under Florida Statute 320.02 and 627.7281, canceling your auto insurance without surrendering your license plate can trigger a suspension of your driver license and registration. The state cross-references insurance records with plate registration — lapses are flagged automatically.
Before canceling any policy, confirm how to handle your plates.
Source: Florida Statutes 320.02 / 627.7281
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Pelo Florida Statute 320.02 e 627.7281, cancelar o seguro sem devolver a placa pode gerar suspensĂŁo da sua driver license e do registro do veĂ­culo. O estado cruza dados de seguro com registro de placa e a ausĂŞncia de cobertura Ă© sinalizada automaticamente.
EntĂŁo, antes de cancelar qualquer apĂłlice, confirme como proceder com a placa.
đź’¬ VocĂŞ sabia disso antes de ler esse post?

04/29/2026

A recent video in Florida showing a pickup truck driving up onto a Lamborghini in a parking lot went viral. Reports described the Lamborghini as a $250,000 vehicle, and the footage spread quickly because the crash happened in a place that most drivers feel “safe enough.”
Florida requires at least $10,000 in Property Damage Liability (PDL) for most registered vehicles. PDL is the part of your auto insurance that pays for damage you cause to someone else’s property, including their car.
So the real question is not just,
“Do you have insurance?”
Rather it is:
Do you have sufficient coverage for the damage you could potentially cause?
AVP rule:
Minimum required coverage and enough coverage are not always the same thing.
đź’¬ If this were your truck, would your current coverage make you feel protected?
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Um vídeo viral recente na Flórida mostrou uma pickup subindo por cima de uma Lamborghini em um estacionamento. As reportagens descreveram o carro como um veículo de US$ 250 mil, e o caso ganhou repercussão justamente por acontecer em um lugar onde muita gente se sente “segura demais”.
Na FlĂłrida, a exigĂŞncia mĂ­nima para a maioria dos veĂ­culos registrados Ă© de US$ 10 mil em Property Damage Liability (PDL). Essa Ă© a parte do seguro que paga dano causado ao patrimĂ´nio de outra pessoa, incluindo o carro dela.
Então a pergunta real não é só: “Você tem seguro?”
A pergunta Ă©: VocĂŞ tem cobertura suficiente para o dano que pode causar?
Regra AVP: cobertura mĂ­nima exigida e cobertura suficiente nem sempre sĂŁo a mesma coisa.
đź’¬ Se fosse com vocĂŞ, sua cobertura atual te deixaria tranquilo?
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This rumor comes back almost every legislative cycle: “Florida is getting rid of PIP.”Here’s the accurate version:Florid...
04/27/2026

This rumor comes back almost every legislative cycle: “Florida is getting rid of PIP.”
Here’s the accurate version:
Florida’s No-Fault Law still remains in the statutes, and current law still requires drivers to maintain Personal Injury Protection (PIP) and Property Damage Liability (PDL) for registered motor vehicles. The current Florida Statutes still include the Florida Motor Vehicle No-Fault Law and the required-security provisions.
Why this rumor keeps coming back: because bills have been filed to repeal or replace the current system. For example, SB 522 (2026) is a filed proposal that would repeal provisions of the Florida Motor Vehicle No-Fault Law. But a filed bill is not the same as an active law.
The same pattern happened in 2025, when HB 1181 proposed repealing the PIP requirement and replacing parts of the framework — but proposals do not change the rule unless they are passed and take effect.
AVP rule
If you hear “Florida ended PIP,” check: the bill number
the status
whether it actually became law
and what the current statute still says
Right now, PIP is still required in Florida.
đź’¬ Have you seen someone treat a proposal as if it were already law?
—
Esse rumor volta quase todo ciclo legislativo: “A Flórida vai acabar com o PIP”.
Mas o correto Ă©:
A lei no-fault da FlĂłrida continua nos estatutos e a regra atual ainda exige Personal Injury Protection (PIP) e Property Damage Liability (PDL) para veĂ­culos registrados aqui. Os estatutos vigentes continuam trazendo a Florida Motor Vehicle No-Fault Law e as exigĂŞncias obrigatĂłrias de cobertura.
Isso volta tanto porque projetos de lei sĂŁo protocolados tentando revogar ou substituir o sistema atual. Mas projeto protocolado nĂŁo Ă© o mesmo que lei em vigor.
Regra AVP: se ouvir que a FlĂłrida acabou com o PIP, veja o nĂşmero do projeto, o status, se ele realmente virou lei e o que o estatuto atual ainda diz.
Hoje, o PIP continua obrigatĂłrio na FlĂłrida.
💬 Você já viu alguém tratar projeto como se já fosse lei?
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đź“š SOURCES/FONTES:
• Florida Statutes: 627.730 + 627.736
• FLHSMV: Florida Insurance Requirements
• Florida Senate: SB 522 (2026) + HB 1181 (2025)

Address

1955 N Federal Highway, J217-A
Pompano Beach, FL
33062

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm
Saturday 10am - 3pm

Website

https://linktr.ee/avpinsurance

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