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What To Do If You Are Caught In A Wildfire

I have written several Blogs about Wildfires and what to do in order to make your home more resistant and safer. I have also written several Blogs on what to do when you face a possible Fire Evacuation or an urgent evacuation order. But, what do you do when you come fact-to-face with an actual fire in you path? US Fire Officials have raised the 2007 Fire Alert to the highest level. When wildfire strikes the evacuation order can come quickly and with no warning at all. It’s possible that you and your family could come in direct contact with … Continue reading →

Insurance Terms: C

A | B | C | D | E | F | G | H | I | J-K | L | M | N | O | P | Q-R | S | T | U-V | W-Z Cancellation is when you or your insurance company decided to end all insurance coverage prior to the policy expiration date. Captive Agent is a licensed insurance agent who represents only one insurance company and is limited by contract agreement from submitting new business to any other insurance company, unless or until the agent’s captive company rejects the business. Casualty Insurance is … Continue reading →

How Much and What Kind of Insurance Do We Need?

There are two main reasons everyone will be required or needs to consider purchasing insurance in order to manage their personal risks. In most cases the legally required insurance will cover for liability or property damage where we ourselves are not the one who will be financially protected. Required Insurance Generally Includes: Legally required financial responsibility auto insurance. Most states set a minimum dollar amount of required liability insurance in order to register an automobile. The minimum requirement is for damages a person may cause to someone else’s property or injuries. Loan and Financing Required Insurance is most common for … Continue reading →

Insurance Terms: A

A | B | C | D | E | F | G | H | I | J-K | L | M | N | O | P | Q-R | S | T | U-V | W-Z AAA Insurance: Help on the Road and Beyond, AAA is well known for their roadside services including towing as well as their trip planning tools. Today AAA offers a wide range of insurance products. Accident: Is an unforeseen, unexpected, or unintended event. Accidental Bodily Injury: Is the physical injury caused to someone resulting from an accident. Accidental Death Benefit: For a … Continue reading →

Interesting News About Auto Thefts, Are You Driving a Target?

An Associated Press report released on March 21, 2007 brought up some interested issues about the increasing number of U.S. autos being stolen in Canada, especially in Montreal where a large number of New Englanders drive over for fun in the big city. Apparently the Canadian officials believe the increase theft of U.S. cars may be due to the recent insurance standards Canada has established about Auto Anti-Theft devices. The Canadian Auto Theft Deterrent Standard was created following extensive research all over the world. The research indicated the most effective anti-theft deterrent system for automobiles are electronic immobilizers. With the … Continue reading →

What to Know About the Rental Car Agreement and Insurance.

Insurance is state regulated, the type of coverage and the premium cost will vary from one state to another. Rental car customers usually have choices of what added insurance they may need to purchase in order to cover a rented auto. Before you show up in line at the rental car counter be sure to do some advanced planning. The Insurance coverage you may want to understand include the following coverages: Collision Damage Waiver Rental car insurance usually offers a collision damage waiver, in some cases this coverage may also be called, a Loss Damage Waiver. These policies are not … Continue reading →

Planning a Family Vacation? Steps to take before Renting A Car

Spring break is here and summer is just around the corner! Many families will head out the door for a well planned vacation which may include Renting a Car. Many vacationers may not even think about the insurance for a car rental until they’re at the rental counter, and this can lead to an expensive mistake. Insurance needs should never be a quick decision and one of the most common places consumers make poor choices are at the end of a long line at the rental car counter. Many consumers panic when asked, “Would you like to buy or decline … Continue reading →

Hit-and-Run Driver Crashed into Parked Car.

One of the most interesting insurance positions I held was in a Multi-Company Insurance Agency with a specialty in providing insurance coverage for used car dealerships. I worked in the personal lines where we made sure everyone–including the dealers employees were insured. But, my primary job was to manage all of the agencies claims. I was the liaison between our policyholders–clientele and the claims adjusters for the insurance companies we placed our customers with. Recently a Families.com forum member Asked me about a claims situation with her auto insurance. Unfortunately, the story is one I have heard way too many … Continue reading →

Volcanic Eruption

As I write this Blog I am listening to the News and looking outside my window. I tried to take some pictures but, my equipment is not of high enough quality to capture the splendid view of Mt. St. Helens. My husband left an hour ago to pick Jeremiah up from preschool and then take the children Christmas shopping. Before he left, we paused and noticed Mt St Helen’s must be letting off steam. It happens fairly often and so do the small earthquakes we here about nearly every week. According to Google Earth our home sits exactly 43.56 miles … Continue reading →

Safe Holiday Shopping Tips

Everyone is busy shopping at this time of the year–including the criminals. There are a variety of insurance protections for some of the possible loss situations we face while gathering gifts for friends and family. Auto comprehensive coverage, might help cover the loss if your car window is broken, and it may even cover the loss of some of the gifts stolen. Your credit card company will work with you in the event someone finds your plastic left at a check stand, or on the ground at the mall. Your homeowners insurance may help if someone follows you home only … Continue reading →