Your insurance card is very important to keep in your glove box. When your renewal comes in the mail, make it a priority to go right then and put the new card in the vehicle. What is on an ID Card? The most important details on the front of your card will tell you the […]
Thinking of driving for a ride-sharing company?
Uber, Lyft, and other ride-sharing services are becoming increasingly popular. If you live in or near a city, you may be considering applying to drive to make some extra cash on the side. Here are some important things to know about how ride-sharing applies to your vehicle insurance. What is ride-sharing? Ride-sharing is a competitive […]
Am I covered against Sinkholes?
Did you know that some losses are excluded on a standard homeowner’s insurance policy? Your policy language will include perils that are covered against, as well as losses that are excluded. Sinkholes and Earthquakes are two common exclusions. What is a sinkhole? A sinkhole is a hole that suddenly appears due to some form of […]
Everything You Need To Know About Boat Insurance
With the weather warming up and Memorial Day just around the corner, many boaters are going to be getting their boats out on the water for the season. Hopefully you’ll find that winter has been kind to your boat and all is well. It’s important that just like any other vehicle, your boat needs insurance […]
Understanding My Auto Insurance Policy Coverage
Have you ever received your renewal for your auto insurance and wondered what the coverages and numbers mean? You pay for insurance each month or year so shouldn’t you know what you’re paying for? Required Coverages Bodily Injury Liability This is typically going to be the first set of coverages you’ll see on a policy. […]
Actual Cash Value vs Replacement Cost
What’s the difference between actual cash value and replacement cost value? Many consumers purchase insurance and never think to ask if their asset (home, auto, RV, etc.) is covered at actual cash value or replacement cost value. Usually this questions pertains to homeowners insurance but came sometimes carry over into other types of insurance. What’s […]
Is State Minimum Liability Coverage Enough?
Some of the most common questions I get in insurance revolves around liability limits. Sure, Tennessee requires you to have a certain amount by law. But is that enough? First, let’s visit this question. What is liability insurance? Liability is the portion of your insurance policy that covers other drivers in an accident that you […]
DUIs and Insurance Implications Associated with DUIs
December is National Impaired Driving Prevention Month. Why this time of year? What does that mean for insurance? The National Association of Drug Court Professionals describes the time between Thanksgiving and New Year’s Day as “one of the deadliest and most dangerous times on America’s roadways due to an increase in impaired driving.” So, what […]