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Do you or your family members have a student returning home for summer-break? Could this student be driving any vehicles? Am I covered if my son or daughter drives my car? These may be questions you are thinking about as our schools prepare to begin summer break, in this post, we are going to discuss what you need to know about how your auto policy functions during these situations.   For starters, is your childRead More
Did you know that most commercial property insurance policies carry a coinsurance requirement?  If so, do you know what that requirement is?  No, we aren’t talking about your health insurance here, and we aren’t talking about carrying two insurance policies, though that can present a separate set of challenges! Many commercial property policies come with a coinsurance clause of either 80%, 90% or 100% and if the clause exists on your policy and your not insuredRead More
Uninsured/Underinsured Motorist Coverage You carry auto insurance to cover your liability when driving an automobile but what happens if you are involved in an accident where the person who hits you doesn’t have the same courtesy or doesn’t carry enough coverage to cover the cost of the accident? If you have Uninsured Motorist coverage on your policy it covers you, insured members of your household and your passengers in an accident with a motorist whoRead More

Auto Insurance – The Basics

Posted on July 27, 2012
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Category :Auto Insurance
What is Auto Insurance? Auto insurance helps you to protect you and your family against financial loss in the event of an accident or other cause of loss. It covers the injuries and damages caused by an accident and for which you are legally responsible. It may also cover the costs of repairing or replacing your vehicle if it is damaged or stolen.   What if I don’t have car insurance? In most states, you’reRead More
Now this is a fun topic and one that really needs to be discussed in great detail and quite frankly should be discussed by your insurance agent with you on an annual basis! Bodily Injury and Property Damage Liability is by far the one area that 99% of the people I speak with on a daily basis discussing insurance options is completely under insured with respect to their auto insurance policies!!  Why, you may ask?  LiabilityRead More
Liability coverage, now this is a huge topic and one that I will have to tackle in several posts over the life of this blog.. To begin lets start by asking where does your liability stop? When you are walking down the street? When you get out of your car at the local shopping center? How about if you are playing golf and accidentally hit somebody with your golf ball? What if a tree fromRead More