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Uninsured Motorist Coverage – A Tricky Question Answered
I was asked this tricky question by a client this week while insuring her car: Q: If I have uninsured motorist coverage on my auto insurance policy, and I’m hurt while riding as a passenger in a friend’s uninsured vehicle, are my injuries covered if my friend is at fault in the accident? A: Assuming two facts: [...]
Read MoreThe Hidden Dangers of “Permissive Use” Restrictions in Your Auto Insurance
One of the most frequent questions I get as an auto insurance agent is “who is insured to drive my car?” Sometimes the answer to this question can be trickier than most people realize. If you never loan your car to others and you never will, none of the restrictions I discuss here will matter [...]
Read MoreUmbrellas – They’re Not Just For Fruity Drinks
Do you have a Personal Umbrella Insurance Policy? Why not? If you own a home or rental property, have money in the bank (whether in cash, retirement accounts or trust), or have a decent paying job (or will in the future), then you should consider getting the added peace of mind that an umbrella can afford – and [...]
Read MoreTop 5 Driving Mistakes
Top 5 Driving Mistakes For many drivers, getting behind the wheel is second nature, so it’s easy to make errors without realizing it. However, these errors can lead to serious accidents. Keep yourself and others safe on the road by avoiding these mistakes: 1. Tailgating Leave a three-second cushion between you and the vehicle in [...]
Read MoreSix Tips to Prevent Auto Accidents
Six Tips to Prevent Auto Accidents Risky driving behavior causes accidents. Be safe and avoid accidents by following these safe-driving tips: Watch Your Speed: It’s easy to go too fast—especially when you are in a hurry. Remind yourself to slow down and keep it safe. Mirror, Mirror: Properly adjust all mirrors before starting your trip. It [...]
Read MoreRepresentations, Misrepresentations, and Material Misrepresentations
Representations, Misrepresentations, and Material Misrepresentations What are the implications for an insured, producer (insurance agent), and insurance company of Representations, Misrepresentations, and Material Misrepresentations on an insured’s application for insurance? An insurance application is the foundation for the terms of a contract between an applicant and an insurance company (company). The company relies upon the [...]
Read MoreFour Facts About Speeding
While no one wants to get a speeding ticket (for obvious reasons like an increase in your auto insurance), the real risk of speeding is the threat it poses to the safety of everyone on the roads. Did you know that nearly one-third of all fatal car crashes involve drivers who exceeded posted speed limits? [...]
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