Insurance Cancellation vs. Non-renewal
There’s a difference between an insurance company canceling a policy and choosing not to renew it. Auto insurance cancellation Insurance companies cannot cancel a policy that has been in force for more than 60 days except when: You fail to pay the premium You have committed fraud or made serious misrepresentations on your application Your […]
Does auto insurance cover a rental replacement car after an accident?
If you rely on your car, rental reimbursement is an inexpensive and invaluable option that you’ll want to consider adding to your auto insurance policy. On average, a car is in the repair shop for two weeks after an accident and renting a replacement vehicle for that amount of time can be costly. Many insured […]
Utah Auto Insurance: The Importance of Uninsured Motorists Coverage
In many states, uninsured motorists coverage is optional, but remember that about 13% of drivers don’t have insurance. You’ll usually have the option of choosing the dollar limits of your coverage. For the bodily injury portion that covers your injuries, consider matching the amount of your liability coverage. Some states will give you no other option […]
Who is covered on an auto insurance policy?
Auto Insurance: Who is covered—and when? Your auto insurance policy will cover you and other family members on your policy, whether driving your insured car or someone else’s car with permission. Your policy also provides coverage if someone not on your policy is driving your car with your consent. Your personal auto policy only covers […]
Is permanently attached equipment covered by insurance?
Many of our clients have equipment attached to their vehicles like welding tanks, tool boxes, and generators. We are often asked about whether or not an auto insurance policy provides coverage for those pieces of equipment for claims involving damage to the vehicle or theft. A standard business auto policy covers loss to a covered […]
Winter Car Features
With nearly 70 percent of the nation’s roads in snowy regions, the majority of Americans have had a “white-knuckle” driving experience in their past. Winter roads claim the lives of 1,300 people every year and injure 116,800, according to the U.S. Department of Transportation. Fortunately, new features including forward collision alerts and lane departure warnings, are […]
Choosing an Insurance Deductible
In order to determine exactly how much car insurance you can afford, you need to understand what a deductible is and how it works. When buying car insurance, you must consider both the premium and your deductible when determining your budget for coverage. What Is a Car Insurance Deductible? Definition A deductible is the amount of […]
Avoiding Pot Hole Damage
After winter or large thunderstorms, we will often find numerous new potholes. And if you’ve hit one before, you know that dreaded feeling; the heavy thud, praying the flat-tire light doesn’t come on, listening for the telling grinding of some loose part in your car. In fact, did you know that pothole damage accounts for […]
Commercial Auto Insurance Symbols: What do they mean?
Taking the time to understand the language and symbols on your commercial Automobile Insurance policy may seem like trying to learn a new language, but it is important to fully understand your policy so you know how you’re protected. Below you can find a few general guidelines that will be helpful when deciphering your policy: […]
7 Factors Affecting Your Auto Insurance
1. Your Coverage And Deductibles Car insurance providers allow you to choose your deductible and decide whether to add additional coverage that isn’t necessarily required by the laws in your state. The specifics of your coverage and deductibles play a major role in your monthly payment. Additional coverage gives you added financial protection, depending on […]
