What you Need to Have to Must know about Auto Insurance
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you’re financing a car, your lender may also have requirements.
Most auto policies are for six months or a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.
Why do you need auto insurance? It’s really all about protecting yourself financially.
Not only is having insurance a prudent financial decision,
many states require you to have at least some coverage.
Questions to ask your agent Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:
What you Need to Have to Must know about Homeowners Insurance
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.
Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage.Maintenance-related problems are the homeowners’ responsibility.
Why do you need homeowners insurance? It is really all about protecting yourself financially ifsomething unexpected happens to your home or possessions. That’s important because chances are your home is likely one of your largest investments.
It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance.
Because everyone’s needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what’s included and what is not.
Things to consider and questions to ask your agent Here are few things to discuss with your agent that will influence your decisions.
What you Need to Have to Must know about Trucking Insurance
Trucking Insurance Information Owners and operators of commercial trucks can't get by with just any commercial auto insurance policy. In addition to protecting the cargo that they carry, truckers must consider the massive physical damage that can be caused by their trucks, the potential environmental issues an accident could cause, and the expensive cost to repair their large vehicles.
Liability Insuranc For bodily injury and property damage liability exposure, one should consider an auto liability insurance policy. This policy will protect truckers by covering many different types of harm that they can unintentionally inflict on others and their property. This includes accidental damage to a retailer’s delivery dock, to other drivers, vehicles, and pedestrians
Cargo Insurance Your clients rely on you to safely deliver their cargo in the same condition it was in when they turned it over to you. With cargo insurance you can reimburse a client for qualifying damages made to their cargo during transport—and all without tapping into your business bank account except to pay the deductible.
Bobtail Insurance When your truck is without cargo, it still needs protection. Bobtail insurance covers your truck even when it is not operational.
Physical Damage Insurance If your truck is in an accident or collision, you need the right commercial insurance policy protecting your financial interests. Collision insurance and comprehensive insurance can cover various accidents and damages caused by theft, vandalism and fire.