Working With Your Insurance Agent
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When you purchase auto insurance coverage, which most states require you to have, you want to consider including more than the liability coverage that is required by law. This is because liability coverage only covers the damage done to the other party’s property and their injuries in an accident that you have caused. If there are damages done to your vehicle or if you have suffered an injury, you will need to pay out of pocket. Read More»
Are you planning a summer house party? Before you go any further, you should know that you may be held responsible if your party guests get injured; this is known as social host liability. If you don’t know how to reduce your exposure to social host liability, stop your plans right now until you understand these three precautions:
Choose an Outside Venue
You expose yourself to more risks if you host the party at home compared to an outside venue. Read More»
Insurance quotes are important. Not only do they help you budget for the cost of your policy, but they also contain important details concerning the type of coverage you have. With that being said, getting an accurate quote is imperative. Before you get a quote from an insurance company, make sure you know how to get the most accurate quote.
Some people shopping for new auto insurance think it doesn’t hurt to fib. Read More»
Your home insurance coverage protects the value of your home and the contents inside it, but it’s always important to let your insurance agent know if you have certain items of a particularly high value. If you’re a musician and keep several guitars inside your home, the last thing you want is to have them taken in a break-in or destroyed in a fire; without firm proof about their existence, it may be difficult to convince the insurance company that you had a number of high-value instruments for which you require compensation. Read More»
As the summer season begins, so too does hurricane season. Unfortunately, the first hurricane season catches many new business owners unprepared. How quickly you can get things back in operation will depend upon how well prepared you are before the storm season comes in. Here are a few tips to help you with your first storm season as a small business owner.
Put A Response Plan In Place
One of the biggest problems encountered by most small businesses is the lack of a plan to respond to potential disasters. Read More»
If you have just paid off your car or you have been driving a paid-for vehicle for a while now, it is a good idea to understand exactly what liability insurance does and does not cover. Although liability insurance, or a bond that requires similar coverage, is required by law for every driver in almost every state, many drivers erroneously think that it only covers expenses to the other vehicle. However, you may have more coverage than you think, even with the minimum liability policy, and the following information will help to clarify your understanding of this important policy. Read More»
You may be thinking about switching from full to liability coverage. If you’re still paying off a car loan, liability coverage isn’t sufficient. Even if your car is paid off, it may make more sense to keep full coverage if it still has fair value. Know what you’re paying for in liability-only coverage, and then insure your auto to best protect your assets.
Bodily Injury Liability Coverage
Bodily injury coverage is the most common type of liability insurance. Read More»
Whenever you’re making changes to your auto insurance policy, it’s a good idea to see if the policy provides you with enhanced coverage for when you’re driving a rental car. This coverage means that you won’t have to pay extra for the insurance offered by the rental car provider, which will save you money on the rental fee. When it comes time to rent a vehicle, though, it’s advantageous to take some time to make sure the vehicle is safe for you to drive — the last thing you want to do is have an at-fault accident that affects your insurance rate because of an issue with the rental car. Read More»
Most people know that following an auto accident, your insurance rates could increase. There are various factors that determine whether or not they do. If you were recently in an accident, here is what you need to know about increasing rates and how you can lower them.
Why Did Your Rates Increase?
The obvious answer to an increase in auto insurance rates is that the accident led to your insurance provider looking at you as a higher risk to insure. Read More»
Homeowners’ insurance coverage for weather-related damages usually affects multiple homeowners while other damages may be isolated. This different is significant because it may affect how your insurer handles your claim for weather-related damages. Ignorance about this difference may lead to several dangerous assumptions, such as the following.
You Are Entitled To Immediate Coverage
Ideally, you should buy insurance to protect you in case something happens, but not because something is about to happen. Read More»