Does Auto Insurance Cover Riots?

Sep 29, 2020

No one wants to be victims of property damage resulting from rioting, and fortunately, auto insurance companies already have provisions for this risk in their coverage options. In fact, there is no need to purchase separate riot, vandalism and civil commotion coverage; if you have comprehensive auto insurance, you most likely have this coverage.

Various Tips to Protect and Maintain Your Car

Sep 8, 2020

According to Live Science, after being parked in the sun on a 95-degree day for an hour, the inside of a car hits an average of 116 degrees. The dashboard gets even hotter at 157 degrees, the surface of the steering wheel reaches an average of 127 degrees and the seats are a searing 123 degrees on average.

Why You Should Avoid a Lapse in Auto Insurance Coverage

Aug 18, 2020

n Nevada, auto insurance companies notify the Department of Motor Vehicles when you drop your auto insurance policy. If you have a lapse in your auto insurance coverage, even 1 day, it will be noted on your driving record. When this happens, you may be faced with a $250 dollar fine that will go up over time, and you can have your license suspended until you have auto insurance coverage again.

Hidden Pitfalls of Cheap Auto Insurance

Jul 21, 2020

Car accidents can be expensive, and your auto insurance policy is your best protection against financial devastation if the unexpected happens. While state-minimum coverage is definitely better than no coverage at all, a high percentage of scenarios shows it’s not enough for most drivers.

How Financing Your Car Affects the Insurance Premium

Jul 14, 2020

However, you may end up paying a higher premium than someone who has not financed their vehicle. If you make payments on your vehicle, your lender requires you to have comprehensive and collision coverage on top of the state minimum requirements.

What Is a Qualified Health Insurance Plan?

Jul 9, 2020

A Qualified Health Plan, or QHP, is a health insurance plan that provides coverage for the 10 essential benefits outlined in the 2010 Affordable Care Act. Qualified Health Plans MUST cover these 10 items without any lifetime or annual limits on these “Essential Health Benefits.”

Adding Uninsured / Underinsured Motorist To Your Policy

Jul 7, 2020

Uninsured and underinsured motorist coverage is used when you are hit by a driver that has insufficient coverage or no coverage at all. This optional coverage helps to compensate you for damages, up to your policy limit.

What Is Renters Insurance?

Jun 30, 2020

Renter’s insurance covers your personal property. If your property is damaged due to a covered peril such as a fire or theft, then you are compensated for your loss up to your policy limits. There are a variety of risks and events covered by renters insurance.

Are You a High-Risk Driver? What is Your Auto Insurance Score?

Jun 23, 2020

A high-risk driver is one who is more likely to file a claim. To determine your riskiness, your auto insurance company uses a complex algorithm that weighs in a variety of factors to come up with your auto insurance score.

Is Physical Therapy Covered Under Health Insurance?

Whether you have recently been injured or you are experiencing chronic pain or limited mobility, going to a physical therapist can greatly improve your quality of life. For many people, concerns about how much regular sessions cost is a big roadblock to getting much needed care. Fortunately, if you have an ACA-compliant health insurance plan, rehabilitative services like physical therapy are listed among the essential health benefits.

How Phone Apps Are Fighting Distracted Driving

Unsurprisingly, our smartphones are the most common of driving distractions. From reading and sending texts to looking up directions, many drivers divide their attention between their driving and their cellphone – often, unsuccessfully.

New and Advanced Automobile Technology for Safety

New Auto Technology Can Save Lives. We’re well beyond seatbelts in today’s modern automobile technology. There are many new safety features and just cool technology that keeps coming out each year, revolutionizing our driving world.

Why Did My Auto Insurance Company Check My Credit?

Auto insurance companies use advanced algorithms that take into account numerous factors when determining your monthly auto insurance premium. One seemingly unrelated factor is your credit history.

In a Car Accident; Do I Need to Call the Police?

An accident can leave your head spinning, no matter how minor it is. The actions that you take in the moments following a collision are important for ensuring that the situation is resolved as quickly and as soon as possible. In some cases, filing a police report is an essential part of settling a claim, especially if you or the other driver will be seeking compensation for damage to a vehicle.

Health Insurance with a Preexisting Condition

You may assume that since you have a preexisting condition, you’ll pay a higher premium than someone who is in perfect health. However, an insurer cannot reject you, refuse to pay for health benefits pertaining to your illness or injury, or charge you a higher premium because of your condition.

Critical Illness Health Insurance: Should I Have It?

Critical illness insurance, which may also be called critical care insurance or critical illness coverage, pays out a lump-sum, tax-free cash benefit, that can help you take care of any expenses that are associated with a qualifying illness.

What Is An Exclusion In Health Insurance?

In health insurance, an exclusion is a medical procedure or treatment that the health insurance company does not cover. This may include specific medications, surgeries or therapies that are specifically omitted from your policy.

How A Divorce Affects Health Insurance Coverage

Going through a divorce can be a very stressful time, and it is unlikely that your health insurance coverage is at the forefront of your mind throughout the proceedings.

Avoid Health Insurance Coverage Gaps When Moving Out of State

If you move out of state, you’ll need to get coverage in your new state and need to report your move within 30 days and enroll into a plan within 60 days, but each state rules may vary. When you move, if you have insurance now, it would be considered a qualifying life event.

Health Insurance

Medicare

Property & Casualty

Homeowners Insurance

Renters Insurance

Health Insurance

Medicare

Property & Casualty

Additional Information

Blog

Posts By Category

Posts by Year

Why Use an Insurance Agent?

Homeowners Insurance

Pin It on Pinterest