As an insurance agent, one of the questions I am asked most often is “do I need full coverage?” First, let’s talk about full coverage. It’s a common thought that full coverage means fully protected. However, that’s not true. Your liability limits represent the protection you have against bodily injury and property damage. You will […]
Do I need an umbrella policy?
I’ve described in detail previously explaining umbrella policies. For a quick refresher – jump here and then come back. Today I specifically want to point out a couple reasons why you most likely do need one and didn’t even realize it. Your auto insurance has a maximum payout. When you purchase insurance, you’re purchasing a […]
Reading my auto declarations page – Part 1
When you purchase an auto insurance policy, the company mails a thick packet of papers to you. The terms of your policy and ID cards are enclosed, as well as a policy declarations page. This page is designed to help you quickly see the limits of coverage in force. I’m going to upload photos of […]
What is Roadside Service?
Roadside Assistance is an optional insurance coverage on your auto policy. Sometimes it is referred to as Towing and Labor or also Roadside Service. I want to share just a couple quick notes with you today on what is typically covered and what is not when electing to carry it. The one most important take […]
We’re here to serve you!
It’s been awhile since we’ve wrote a post introducing ourselves and making sure you have all of our contact information. So, I thought I’d take a quick minute to help you put a face with our names. And also, share our office availability and best ways to reach us. Ultimately, we are here to serve […]
Who is covered under the medical payments portion of my auto policy?
Medical payments and bodily injury liability are two seperate coverages on your auto insurance policy. However, they can be misleading just on the name alone. Today we’ll help seperate the two and give some tips for what amount of medical payments coverage you may want to carry. What is bodily injury liability? Liability is the […]
Will the insurance replace my roof?
While there are a variety of claims filed each year, the vast majority are due to a damaged roof or water loss. Today we’re going to talk through when the insurance will cover to replace a roof, when it will not, and whether or not you want to file a claim. An important thing to […]
Am I covered if I have an accident in another state?
I recently talked about some of the differences in policies from state to state. Due to the those differences, it raises the question of what happens when you’re driving through a state and their coverages and minimums are different than your home state. If you unfortunately have a loss or cause damage while driving outside […]
No Fault Insurance verses Tort Insurance
Middle Tennessee seems to be an ever-growing area of popularity. People from all over the country move to Nashville and the surrounding area for several reasons. Most people however don’t consider the difference in their auto insurance coverage when they move states. They know they need to have it and make sure they get it […]
Failure to Control
One very common phrase we hear when determining what type of coverage an insured is looking to purchase is, “I’m a good driver.” While no one is questioning your skills, there are millions of people on the road who are not good drivers, and their choices sometimes inadvertently affect good drivers negatively. The additional disappointment […]