Personal Auto Insurance Classifications

I recently reviewed an auto insurance policy for a business owner. I discovered the auto had been misclassified which may be grounds for a claim to be denied. The business owner chose to stay with his “Big Named Company” in spite of the fact they set him up for big trouble. If you would like to have a free review of your policy, please contact us or complete our online auto insurance review request form. Here are some classifications you should be aware of:   Personal and Pleasure Vehicles classified in the personal or pleasurable...

read more

Points on… Auto Insurance

Points on… Auto Insurance

The difference between comprehensive and collison is… when your car collides with something it’s collison. When something happens to your car (like a tree falling on it, hail, graffiti, etc.), it’s comprehensive. In a recent commercial an insurance company said, “you will never be dropped”. This may be true, but more than likely your rates will go so high, you may WANT to drop THEM. Watch the fine print… many of the auto insurance commercials you see today say things that sound really good… but when you see the...

read more

Results – One Question Insurance Survey

In my many years in the insurance industry, I’ve come to realize that though some folks know a bit about insurance, many have some misconceptions. At a recent event where I exhibited, I did a survey… I asked participants to answer to one question… “Which of these options do you think most drivers do NOT have on their auto insurance policy because they think it will cost too much?” The options were: > Uninsured Motorist > Medical > Rental Car Coverage Here are the results: 12% chose Uninsured Motorist 45%...

read more

Collision vs. Comprehensive Auto Insurance

As with most types of insurance, auto insurance covers various aspects of the risks associated with driving an automobile. In the United States and many other places, the law requires you to insure yourself against specific auto-related risks, while good sense suggests that you protect yourself against a number of other risks as well. Collision insurance, as its name implies, protects you against vehicular damages that result from an automobile collision. This collision can result from contact with another automobile, an animal or any other...

read more

Sweet Sixteen and… Behind the Wheel!

Sweet Sixteen and… Behind the Wheel!

One of the most wonderful moments in a parent’s life is watching the excitement in their teenager’s eyes as they pass their permit test and get behind the wheel for the first time… then they talk to their insurance agent and the reality of financial responsibility sets in… how is a sixteen-year-old additional driver going to affect my insurance rates? Should we get them their own policy? Should we allow them on ours? Is it better to let them get their license or make them wait? Is it better to exclude them from the...

read more