What if the Insurance Carrier Offers Me Less Than What My Car is Worth?

A totaled vehicle brings with it a certain amount of stress.  The good news is that total vehicle losses are pretty rare and we hope that you don’t ever have to experience it.  In the event that you do, here are some tips from our years of assisting clients through this process. Every insurance carrier pays vehicle losses based on actual cash value, or ACV. ... Read Article

Roadside, Towing, and Your Insurance Company

Roadside service or towing…whatever you want to call it, will likely not make you happy in event of a breakdown on the side of the road with your automobile.  Automobile insurance policies typically have a nominal benefit that is really designed to get you off the road and towed to a nearby repair shop.  And if that repair shop is less than 15 miles away... Read Article

Don’t Let the Dealer Tell You They’re Adding Your New Car to Your Policy…

Don’t Let the Dealer Tell You They’re Adding Your New Car to Your Policy… PSA of the day! When you purchase a new/used vehicle and the dealer tells you that someone from the dealership will call the office to get it covered…don’t believe for a second! First, they are not you…they don’t have any authority …to make a change to your policy. If we learn... Read Article

Shouldn’t My Auto Insurance go down? My Car is a Year Older!

Shouldn’t My Auto Insurance go down?  My Car is a Year Older!  This is very common question or comment from our prospective new customers and existing customers.  We don’t see much rate relief on any line of insurance; personal or business.  Here is a reasonable explanation…your comments or questions are certainly welcome. Rates are not just based on “your car”, they are split between several types of... Read Article
ALTERNATIVE HEATING SAFETY TIPS According to Underwriters Laboratories (UL), the leading independent safety testing organization, alternative heating sources like space heaters, fireplaces and wood stoves can present hazards if not used correctly. In fact, the National Fire Protection Association (NFPA) reports that heating equipment is involved in an estimated 64,100 home fires each year. “Even though the economy still has families in a budget-conscious state... Read Article