Drunk driving incidents claim the lives of up to 25,000 Americans per year, according to statistics from the National Transportation Safety Administration. That should be reason enough to do all you can to prevent yourself and your friends and loved ones from getting behind the wheel, while intoxicated. Even if no one is hurt, getting…Read more
5 Insurance Changes to Make When You Retire
Whether you plan to travel the world, run marathons, serve your community or spend more time with family, retirement will bring radical changes in the ways you spend your time. And whenever life changes, so do the risks you face — which means retirement is a good time to look closely at your insurance coverage.…Read more
5 Crucial Insurance Changes After Divorce
Any major life change sends a ripple effect through your finances — especially a divorce. Insurance matters may seem trivial next to the emotional upheaval of ending a marriage. But minding the details now can prevent financial pain later. Here’s a look at five insurance changes to address after a divorce. 1. Life insurance Buying…Read more
What is Usage Based Car Insurance?
For decades, insurance companies have considered drivers’ histories when they calculated auto insurance premiums. They have based prices on a driver’s age, record of accidents and traffic tickets, and how long she’s been driving. Factors such as gender, marital status, and school grades have also been important. A new way of pricing auto insurance is…Read more
Do You Have Insurance When You Use Someone Else’s Car?
Joel is an attorney living in Manhattan. He relies on public transportation to get around the city and occasionally rents a car, so he does not own one. When he goes back home for a visit, he will sometimes borrow one of his parents’ cars to go out or visit friends. He certainly does not…Read more
How Vehicle Values and Claim Awards are Determined
When it comes to determining a car’s value for insurance purposes, there are several guidelines to help. Vehicle owners and insurers can use books such as Kelley Blue Book to help determine an accurate value. Insurance companies usually refer policyholders to a claims adjuster when they file claims. In addition to verifying the loss, the…Read more
Classic Car Insurance
Is your classic car insured on a standard personal auto policy? If so, you’re not alone but unfortunately you have the wrong insurance. Here are three reasons why you should never insure a classic car on a standard personal auto policy. Mr. Raymond’s Claim Mr. Raymond contacted my office in June after filing a claim…Read more
Uninsured Motorist Coverage
Unfortunately some driver’s do not follow the law and drive without insurance. According to DMV.org the Insurance Research Council (IRC) estimates that 1 out of every 7 drivers in the United States is currently driving without car insurance. Some states are now requiring uninsured motorist coverage and you might be wondering what exactly I am…Read more
What Does Liability Insurance Cover?
When you buy a used car you have a choice to make. Should you purchase full coverage insurance or just liability? Before you can answer this questions let’s review what each coverage means. Full Coverage Insurance Full coverage insurance means you have coverage for your vehicle. The 2 main components to full coverage insurance are…Read more
Turn in Your Tags
There is not a day that goes by where our agency doesn’t receive a call to remove insurance from a vehicle because the vehicle has been sold, destroyed or is no longer in use. The first question we ask is “have you turned in the tags to DMV”? Often the answer is “not yet” or…Read more
