Whenever you talk about increasing insurance rates, you may hear the term Assignment of Benefits (AOB). What does that mean, though? Why would that impact my rates if I haven’t had a claim? These are all good questions, so let’s take a minute to review what these claims are and how they affect you and […]
Stolen Car – Hey! Where’s My Car?
What does it feel like to deal with a stolen car? I didn’t think I’d ever know, but sometimes life surprises us. So there I was talking with a friend as we walked out the front door at the local electronics store where we worked. We’d done it a thousand times during college. The side […]
Do I Have Coverage for a Rented RV / Rented Motorhome?
That is a good question that you should definitely know before you get into an accident situation. The coverage can vary by carrier, but we are going to look at most standard policies here. You should always review your policy documents, and if you have any questions give us a call or contact your agent […]
Do I Need Uninsured Motorist Coverage?
Why do I have to pay for someone that doesn’t have insurance? Do I need this uninsured motorist coverage? These are some of the questions that we get regarding uninsured motorist coverage. We find a lot of people aren’t quite sure what it covers or why it’s important. What is Uninsured Motorist Coverage? Uninsured Motorist […]
Liability Coverage – What Does Each Number Mean?
Have you ever looked at the liability coverage on your insurance declarations page? 10/20/10, 100/300/50, etc. Do you know what these numbers mean? Your liability is probably the most important coverage on your policy. Still, we find that many people aren’t sure what these numbers mean. Liability Coverage Overview Liability coverage covers the other person […]
Do I Need Full Coverage? When Should I Remove Comprehensive and Collision Coverage?
I hear many people ask, “My car is getting older. Do I still need full coverage? When should I remove comprehensive and collision from my vehicle?” In years past, people used to recommend removing these coverages when a vehicle was 7 years or 10 years old. However, vehicles cost a lot more these days, and […]
What is the Difference Between Comprehensive and Collision Coverage? Do I Need Them Both?
A lot of people think they either have liability or full coverage. Did you know that there are actually different coverages that each cover different things? Maybe you already knew there were comprehensive coverage and collision coverage, but aren’t sure the difference. We are going to take a look at that here. How are Comprehensive […]
Am I Covered to Rent a U-Haul / Moving Truck?
That is a good question that you should definitely know before you get into an accident situation. The best resource for this is your agent, the policy contract itself, or your insurance carrier. When you rent a U-Haul or moving truck, with some companies your liability extends. I have heard some carriers that don’t cover […]
Am I Covered to Drive a Rental Car?
When you rent a regular rental car, you get the same coverage that you have on your own car with several things to consider. (Specialty vehicles like moving trucks, motorhomes, motorcycles, etc. may be different.) See Also: Renting U-Haul / Renting Motorhome Territory/Location This rental car coverage applies in the policy territory. For most companies, […]