How Does Uninsured and Underinsured Motorist Coverage Work?

Almost all states in the US require drivers to carry some form of car insurance, but that doesn’t mean everyone does. So, how do you protect yourself if one of these uninsured drivers is in a collision with you?Protecting…

How does car insurance work when you hit someone and they go to the ER?

Imagine there was zero damage to both vehicles when you hit them at 5 mph yet all three inside the other vehicle decided to go to the ER for some strange reason.If (when) they file a claim against your auto liability insurance,…

Hurricane Season begins June 1st

Do you need flood insurance? Well, walk to the nearest mirror and ask the person you see if he or she owns much property that could be damaged or destroyed by water. If the answer is yes, then you should seriously consider…

What types of commercial insurance do you really need for your restaurant?

​Here's what you need to know about coverage areas, potential costs and the risks of going without insurance.You know that you need insurance for your restaurant – you’re just not sure what types…

What does Homeowner's Insurance cover (& not cover)?

Check out the video at youtu.be/PUZSIahxq-g.If you're a homeowner, or are considering buying a home, you'll want to know the basics of homeowners insurance. "The I's on Insurance: Your Homeowners Coverage" explains what…

Insurance 101 for Teen Drivers

The National Association of Insurance Commissioners (NAIC) offers a free interactive presentation entitled “Insurance 101 for Teen Drivers” which aims to educate teen drivers on how bad driving decisions negatively…

Does Car Insurance Cover a Cracked Windshield?

It happens to the best of us. Your vehicle is parked under a tree, near a construction site, or even sometimes near a major road — somehow the windshield gets hit with debris. Then you're left with a crack in…

​Review your policies before you're faced with a hurricane

Hurricane season takes place June 1 – November 30 every year. Don’t wait until after you have a loss to check your insurance—review your homeowners or renters policies to make you have the right coverage…

What happens to the vehicle when it is totaled by the insurance company?

A total loss is a vehicle damaged to the extent that the repair cost approaches or exceeds roughly 70-75% of its “actual cash value” (fair market value). The car may be repairable, but it wouldn’t make…

​Show Mom How Much You Value Her: Buying Life Insurance for Mother's Day

In the 100 years since the first Mother’s Day was celebrated, women and mothers lives have changed dramatically.We think of Moms as friend, disciplinarian, psychiatrist and teacher. Mom is the often who makes lunches,…

What are ​Certificates Of Insurance?

Business transactions frequently require the valuable protection provided by insurance. A Certificate of Insurance is a document that is often requested as proof that adequate insurance exists. A certificate is not the…

Am I at fault if I hit a car in front of me because he slammed on his brakes very suddenly?

Drivers, please! We need to get away from the “1 car length for every 10 miles an hour” as a good following distance.It's a heck of a lot easier to use the “2 seconds rule” between you and the…