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. Also, you’d be surprised how many people […]
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?” First – there is no such thing as “full coverage.” People usually are referring to comprehensive and collision, but there are a lot of other optional coverages that they […]
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 they are actually different coverages and that each cover different things? Maybe you already know there are comprehensive coverage and collision coverage, but aren’t sure the difference. We are going to take a look at that here. How are […]
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. However, this doesn’t apply for all policies or […]
Am I Covered to Drive a Rental Car?
When you rent a regular rental car, you usually 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.) We always recommend checking with your agent, as some policies have different terms for rental vehicles. See Also: Renting […]
I Paid Off My Vehicle. What Does That Mean for My Insurance?
Well first, congratulations from all of us here at Think Safe Insurance! I’m sure that’s exciting and a big relief to get rid of that monthly payment. What does this mean for my insurance? Shouldn’t it go down? These are great questions. Paying off your vehicle does 2 things. Allows you to remove the finance […]