"On April 4, we were informed by Epsilon, a company we use to send emails to our customers, that files containing the names and/or email addresses of some [Insert company name] customers were accessed by unauthorized entry into their computer system." During the last couple of weeks it's likely that you have received a similar email notifying you that your email address was … [Read more...]
Frequently Asked Questions Relating to Auto Damage Claims
Q. How will my damages be determined? A Insurance Company representative will write an estimate of damages. They will contact you to arrange inspection of your vehicle. Q. What if my vehicle is not drivable? Have it moved to the repair shop of your choice, but do not authorize repairs until the insurance company has had a chance to inspect the vehicle. Be sure to tell … [Read more...]
Advice from Dummies: Be Smart and Get Renters Insurance
[tentblogger-youtube 9fyVI8Ys98k] … [Read more...]
Are you Prepared for flooding?
Collision Accident Self Reporting to Law Enforcement
The rising waters of the Ohio River between Henderson KY and Evansville IN are causing the deer which usually had a different path from Audubon State Park to venture into the paths of a major highway (Highway 41 N). The Henderson Kentucky Newspaper The Gleaner has reported several deer and vehicle collisions (3/2011). The newspaper article pointed out that if you are … [Read more...]
How do you determine the Actual Cash Value (ACV) of your car?
Okay, so now you have had an accident. Your car has been declared a total loss, which by the way, Kentucky Law says that a company has to declare your vehicle a total loss when the damage exceeds 75% of it’s value. How do you know if the offer that you have been given by the insurance company is fair? I did some research recently for a client and here is what I came up … [Read more...]
House Fires – How to Stay Safe
The National Fire Protection Association indicates house fires are the leading cause of all fire deaths in the United States. According to the NFPA, there were 403,000 residential fires in 2008, resulting in 2,780 deaths and 13,560 injuries. The NFPA acknowledges cooking as the leading cause of house fires in the United States and heating related fires as the second most … [Read more...]
Does the color of my car affect my premium?
This question periodically come ups or something similar, Like is a red car higher on insurance. It has been told for years, which makes it seem like it must be true. But like most mythological myths, this one is not based on the truth. Paint has nothing to do with your insurance premium. Unless you pay to have your car painted with an extremely … [Read more...]
How much Auto Insurance Do We need?
Did you ever wonder if you are carrying enough auto insurance? One of our partner companies Travelers Insurance have developed a really cool tool that asks you some general questions about yourself, the cars you drive and how much you are worth. You can check out this Better Coverage Basics tool. Better Coverage Basics is intended to provide you with general … [Read more...]
Renting a Storage Unit
Q: I have just rented a storage unit in preparation for putting my house on the market. Are our possessions covered under our homeowners’ policy while in storage? A: While moving, they would have up to 100% of their current Coverage C (Personal Property/Contents) at both locations under an HO-3 policy form. Some companies will limit this to 30 days during a … [Read more...]