Posted on May 14, 2012
An auto insurance policy can include several different kinds of coverage. Your independent insurance agent will provide professional advice on the type and amount of car insurance coverage you should have to meet your individual needs and comply with the laws of your state. Here are the principal kinds of coverage that your policy may include:
Liability for Bodily Injury – The minimum coverage for bodily injury varies by state and may be as low as $10,000 per person or $20,000 per accident...
Posted on May 9, 2012
Personal Excess Liability Policies (PELPs), more commonly known as Umbrella Policies, are very important to your financial well-being and are relatively inexpensive but many people do not have them and that is unfortunate.
Umbrella policies pick up where your homeowner and automobile policies leave off...
Posted on May 2, 2012
Insurable interest exists when an insured person derives a financial or other kind of benefit from the continuous existence of the insured object (or in the context of living persons, their continued survival). A person has an insurable interest in something when loss-of or damage-to that thing would cause the person to suffer a financial loss or other kind of loss...
Posted on April 30, 2012
Now is a great time to shop. We work with great companies. We have been able to save people money on their personal and commercial insurance 90% of the time. Allow one of our agents to quote you today. You'll be glad you did.
Posted on April 21, 2012
Distracted driving is a serious and growing problem that is quickly become a habit for some—a habit that has become deadlier than drunk driving.
According to the US Department of Transportation, distracted driving killed 5,474 people in 2009 and injured another 448,000.
What Is Distracted Driving?
Distraction occurs any time you take your eyes off the road, your hands off the wheel, and your mind off your primary task: driving safely...
Posted on April 16, 2012
By Susan Ladika
Depending on where you live, you may be able to cruise the streets without auto insurance -- and you won't be breaking any laws.
[Compare car insurance quotes now.]
In some states -- such as California, Tennessee, Washington, Texas and Ohio -- it's perfectly legal to skip carrying car insurance if you can prove you have the financial ability to cover liability costs if you get in a wreck...
Posted on April 14, 2012
By Gregory Boop
Question: What is the difference between a "claims made" and an "occurrence" policy?
Business insurance policies are often offered in two forms. One is the claims made policy and the other is the occurrence policy. Before agreeing to purchase business insurance, the business owner should understand the differences between the two types of policies...
Posted on April 10, 2012
Are you seeing an increase or significant changes in your home insurance? It is very likely that you are. We are writing a lot of home insurance right now. Which means we are very competitive in the home owners market. With rates increasing and policies changing, now is a good time to shop and review your current coverage...
Posted on April 3, 2012
By Mark Chalon Smith
Girls are twice as likely as boys to use cellphones and other electronic devices while behind the wheel, according to an in-car video study released this week that offers a revealing look into the driving lives of teens.
The study, "Distracted Driving Among Newly Licensed Teen Drivers ," was issued by the AAA Foundation for Traffic Safety, and is based on video footage gathered by researchers at the University of North Carolina Highway Safety Research Center...
Posted on March 29, 2012
Although nearly every state requires car owners to buy auto liability insurance, many of your fellow motorists are driving without coverage.
Nationwide, an estimated one in seven drivers was uninsured in 2009, according to a 2011 report by the Insurance Research Council.
Now imagine what happens when an uninsured driver errs and crashes into your car, sending you to the hospital with serious injuries...
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