Let’s chat for just a second about when is the right time to call us. Whether you have a quick question, need an explanation on coverage, or might have a claim, the right time to call us is right away. We are here to serve you. That means we want to help with every question you have. Whether big or small, we have the professional advice you need for your situation.
Taking advice from trusted friends
Many people like to refer to a friend first when something comes up. We all have a few good people in our lives that are valuable to us who we bounce things around with. While this is a great choice for several situations, insurance advice is generally not one of those times. No matter what type of situation they’ve had in the past, call us instead before just making a final decision. Not only is every situation unique, but so are policies. Circumstances, coverages, and education all make a difference in the correct answer.
The consequences of bad advice
Unfortunately bad advice sometimes has a way of circulating as truth. Dealing with insurance, some of those choices actually come with negative consequences. A great example of this deals with home insurance claims. Unlike auto claims, once a homeowner’s insurance claim is filed, it remains with you for 3-5 years. Even if it turns out the damage is less than your deductible and you don’t get a pay out, or the incident isn’t even covered on your policy, that won’t change the outcome. The claim stays on your insurance score anyway. And claims have an impact on your premiums.
Another situation that arises often is that some believe not everyone in your household needs to be listed on your auto insurance policy. It’s commonly said that as long as the auto being driven has insurance, the driver is covered. This is only a partial truth. Yes, once a vehicle is covered, you can allow others to borrow the vehicle and coverage extends. However, residents of the same household with access to the vehicle need to be added or excluded.
In the state of Tennessee it is illegal to have a driver’s license and not an insurance policy, even if you don’t own a vehicle. Even though the policy will cover the accident, the driver without their own insurance may still end up with legal consequences if they are not carrying a non-owner policy on themself as well.
We want to help
It is absolutely not a bother or inconvenience for us to discuss questions and options with you. We want to make sure you have all the facts to make the best decisions possible. This includes being covered to protect yourself and your assets with your coverage selections and working through claims if they arise. Please reach out to me anytime, I’m here to help. Email: kaylagulick@tnsig.com Text line: 615-422-7062 Office Phone: 615-472-1515
