According to Florida Trend, some national insurers now have mobile apps to enable policy holders to file claims via a smart phone. Only one Florida based company has jumped on the bandwagon so far, that being Security First Insurance down in Ormond Beach. Just imagine … If you are involved in a fender-bender, you can file your claim and upload the accident photos immediately while waiting in your car! The apps can also be used for things like obtaining quotes and making payments. With more than fifty percent of all cell phone users expected to own smart phones within the next several years, we expect to see many more insurers stepping up to the plate in the near future.