Commercial insurance policies can be purchased as a Businessowners policy (BOP) or as a Package of Policies. The BOP has both liability and property included within the same policy. The Package of Policies have a separate property policy for the building and a policy for the liability. The BOP will be priced as one policy. … Read more
We all want cheap car insurance, but are you willing to pay the price? That sounds backwards doesn’t it, how could cheap car insurance cost you? If you buy too cheap, you will be paying dearly for the consequences. The consequences will be poor coverage, poor service and poor advice. There are ways for you … Read more
When you buy car insurance you don’t think about what will happen if you have a claim. In fact, you may just be buying it because the law says you have to buy it. But when you do have a claim it sure is nice to have a check waiting for you from the car … Read more
Car insurers divide the insurance policies into 3 different sections. Section one is insuring the car; identified in the policy as collision and comprehensive coverage. Collision pays for the policyholder’s damage caused by an accident while the car is moving. At the time of a claim the deductible is applied first before the insurance company pays for any … Read more
You pay a lot of money on car insurance premiums, don’t you? Do you ever wonder how your insurance premiums are determined? Ever wonder who controls your premiums? Your car insurance premiums are determined by many factors. Some of the factors you have complete control over. Of course some of the factors you or your insurance … Read more
Bought an Errored Car Insurance Policy? You made a decision and paid for a new car insurance policy from a new car insurance company. The timing of the car insurance policy determines if an insurance identification card was given to you when buying the policy. The name of the car insurance company and your name … Read more
You made a decision to buy a new car insurance policy. But when you receive your insurance card, your full name is not the correct name. Where can you go to find the facts of the insurance you paid for. 1. Contact the insurance department from your state 2. Contact the insurance company your policy is placed with … Read more
When your review your car insurance policy – always think of coverage. There are car insurance company’s that sell both full coverage policies and “basic-limit” policies. Some car insurance company’s just sell “basic limit” car insurance policies. Some consumers just want a “basic limit” policy. One size does not fit all when it comes to … Read more
Choosing a Car Insurance Option How much car insurance do you need? If your car insurance policy pays the coverage limits stated in your policy (for example $50,000/$100,000) but it turns out that the damages from an accident exceed those limits; you will have to make up the difference out of your own pocket. If … Read more
You kinda want to understand your car insurance coverages just so you don’t sound stupid when you call your insurance agents office, right? But you don’t want to ask your agent because then you will really sound stupid. Let’s do a mini review of car insurance coverages so that the next time you talk with your insurance agent you … Read more
When you shop for car insurance do you know what you are buying? You are buying the stability of the car insurance company and the company’s claim service. One of the things that separates one insurance from the next is their claims service. Sometimes you cannot put a price on good claims service. The same … Read more
Questions often come up when the economy is in a slump, unemployment is high and inflation starts to creep up. Since buying car insurance is a law, and people want to follow the law, questions about car insurance are common. Are car insurance claims handled differently by car insurance companies during hard economic times? Does car insurance … Read more
Your car insurance policy is like your car – an assembly of combined parts. Each part in your car serves a distinct purpose. The same is true with your car insurance policy; each coverage serves a purpose. You buy insurance for protection. Insurance protects you and your property in the event of an accident or incident. Your car … Read more
You must buy car insurance if you own and operate a car, that’s a fact because that’s the law. But knowing the law is the easy part, the hard part is knowing what coverages you must have to meet the requirements of the law. Do you need to have full coverage or can you just … Read more
The purpose of budget insurance is to match your price with your need. Is homeowner’s insurance one of those policies you should buy from a budget insurance company? That all depends on what value you put on your most expensive personal asset……your home. Budgeting, might require you to purchase a homeowner’s insurance policy with a … Read more
You want it, you need it, but where do you buy it? To obey the law, if you own and operate a car, you have to buy car insurance. You have many different companies to choose from when you need to buy car insurance. Sometimes the number of available choices can make it overwhelming. We … Read more
You work hard for your money so when you need to spend some of it you want to make sure you’re getting the “biggest bang for your buck”. So when you have to buy car insurance because it’s the law that if you own and operate a car, you must have insurance on it, you want to … Read more
Getting the best health insurance may require some work on your part. You may need to ask your health insurance company some questions. For example. Is there a lifetime maximum benefit on the policy; if so, what is that maximum. What is your deductible. Are there co-pays. How are those determined. Who files the claim, … Read more
Did you know that not all employers offer employee benefit packages? Most of the time, the reason benefit packages aren’t offered is not because the employers don’t like their employees; but instead due to the high costs. Most people don’t know how much their employer really pays to provide benefits. Benefits are expensive; and those … Read more
Most employee benefits packages are usually customized, so not all packages will include all of the following special benefits. Check with your plan administrator for what is included in your employee benefits package. Severance Packages Day Care benefits Tuition Reimbursement A Company Car Paid Vacation Days Paid Holidays Paid Sick Days Unemployment Compensation Workers’ Compensation … Read more