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Life Insurance: 10 Tips

September 29, 2020

life insurance florida

  Here we are again. It is September and that is Life Insurance Awareness Month. September is an extra important time of the year where we set out to make a bigger push to spend the time to educate our valued customers about life insurance policies. It is financially responsible to carry life insurance when it comes to protecting yourself, your spouse, and your children. Listed below is a list of life insurance knowledge together with recommendations: 1. Invest in life insurance while Read More

Keeping 4-Legged Friends Safe This Holiday Season

December 10, 2020

Very few things can ruin a holiday and make it into a sad memory for years to come like an accident that hurts or takes the life of a priceless and beloved pet. For this reason, we do encourage you to take this short refresher course in keeping your family pet safe this holiday season...and throughout the New Year too! Do you realize that there are a lot of holiday plants as well as flowers are highly hazardous for dogs and cats? Holly, Lily, and Mistletoe are the biggest offenders. Take a Read More

What Happens When You Collide With A Stolen Vehicle?

December 29, 2016

While the chances are slim, have you ever thought about how your insurance policy would protect you in the event that you were hit by a stolen vehicle? Just how would it work? It is good to educated yourself so that you understand. After all is the owner of the vehicle obligated to cover your damages? Effectively, the simple answer is no. The reality is that there is likely no obligation when it comes to the car's owner the second the injury is caused by illegal usage, such as theft. Thus, the owner's liability insurance coverage would not apply to the damages to your auto, due to the fact that there is actually no legal liability on the part of the owner. That is why when it comes to an instance like this, it is important to understand that there are optional insurance coverages accessible to you and it gives you an understanding of why it can make sense to carry supplementary insurance coverages such as Comprehensive, Uninsured Motorist Property Damage (UMPD), and even Collision coverage. Comprehensive and Collision coverage are often required through your financial institution or leasing company assuming that you finance or lease your car. Comprehensive insurance protection relates to non-vehicle varieties of perils, such as hail, flood, collisions with animals and even theft. On the other hand, because it was not your car which was stolen, Comprehensive coverage would probably not apply for this circumstance. Instead, the collision coverage should apply, addressing destruction to your car arising from a wreck with another motor vehicle or object. The fault does not actually really matter where collision coverage is involved. Collision in most cases contain a deductible, that is a fixed amount of cost that you pay out before your insurer's duty to pay begins. For instance, supposing that your deductible were simply $500 you would pay the first $500 and then your insurance company would taken care of anything over that amount of money, up to the limitation of liability with respect to that coverage. In the case of collision coverage, the limitation is in most cases the lesser of the cost of repair, the fee of replacing or the actual cash value of your automobile. Some policies feature "caps" regarding collision recovery, hence review your policy carefully. The more costly your insurance deductible, the less you'll have to shell out for your insurance, but the lower the insurance deductible, the less you shell out of pocket if something occurs. This is simply another factor to bear in mind when looking over additional policy coverages. Even though the probabilities of getting struck by a stolen automobile are certainly slim, getting hit by an individual without insurance is not. Numerous people drive a vehicle around without being insured which is an additional detail to bear in mind when buying a policy. It is very important to be knowledgeable about situations such as this, as it is usually better to be prepared rather than to end up in a sticky situation.There are actually various kinds of additional insurance coverages available, including ones that include bodily injuries as well. Talk to your insurance company and ask questions like these to come up with the very best protection plan for you.

While the chances are slim, have you ever thought about how your insurance policy would protect you in the event that you actually collide with a stolen vehicle? Just how would it work? It is good to educated yourself so that you understand. After all, is the owner of the vehicle obligated to cover your damages? Effectively, the simple answer is no. The reality is that there is likely no obligation when it comes to the car's owner the second the injury is caused by illegal usages, such as Read More

Property Insurance Grief You Can Easy Avoid

November 30, 2016

Just in time for this holiday season when so many of us are acquiring new prized possessions, here's a checklist of easily the most popular varieties of personal items which may need more policy coverage than what is initially given on a typical homeowners insurance policy. We have also included here how much policy coverage you likely possess with a standard property policy, and what additional insurance coverage you may need to considering adding. 1. Electronics Today, a regular Read More

Six Reasons Not To Drive With Distractions

November 14, 2016

If you can view most of these videos, then good for you!. Some of them could be a bit graphic and disturbing.  Our hope is that you'll realize how quickly things on the road can sometimes go wrong and how imperative it is to not drive down the road while looking at your phone or changing your radio station. 1. It gives a whole new meaning to look both ways before crossing the street. 2. This bicyclist appears to have popped right up. 3. This news reporter may need a day or two off after this Read More

Ten Tips For A Safe Black Friday

November 2, 2016

It's that time of year again when later this month as soon as the Thanksgiving leftovers are put away that many of us will be venturing out to take advantage of those traditional Black Friday sales.  Here are some tips to keep in mind: Tip 1 - Be sure to approach your motor vehicle by having keys in hand. Get your keyfob in position when going toward your car, and examine the rear seats as well as the location around along with under the automobile right before you enter. Tip 2 - Recognize Read More

Great Hacks For Your Fall Lawn

October 18, 2016

Almost everyone is captivated by vivid autumn leaves. That is, until their grass is encompassed in a strong layer of leaves and debris, and they will need to clean it up! And while it can be truly appealing to leave this debris alone and let nature take its own path, pros claim that an excessive amount of organic matter sitting on top of your grass can slow down growing, wipe out turf, as well as ensure fungi, mildew, and disease. Simply put, you cannot run away from this job. Here is the Read More

Your Insurance When It Comes To Trees

October 11, 2016

When it comes down to what might or might not be covered when it concerns harm from fallen trees, here are 5 crucial thoughts to remember: 1. Your homeowners insurance policy probably covers tree clearing along with damage repairs for your residential property along with various other insured structures, for instance, fencings. A tree falls on your property and wrecks several insured structures. What now? Your homeowners insurance policy will in all likelihood support the costs of removing Read More

What Is A QLAC?

September 19, 2016

What Is A QLAC?

Social Security was without a doubt not made up to be the only source of income for retirees, and in these modern times Social Security serves as about 38% of a widespread retiree's income source. But Americans are living much longer these days, and their longevity oftentimes wears down their other income sources, making it more challenging for retired people to make ends meet as they grow older. This hurdle increases seniors' possibility of running out of earnings in retirement and triggers Read More

Do You Need Auto Insurance In Mexico?

August 23, 2016

Did you know? When it comes down to operating a vehicle in Mexico, your U.S. automobile insurance policy coverage isn't going to be realized by Mexican authorities. If you do not carry Mexican liability insurance coverage, you could be blocked from leaving the country even though you could be in a situation where you require life-saving medical care. On top of that, you are almost sure to spend some time in jail if you are found operating a vehicle without having Mexican auto Read More

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Lisa Faina, CIC, LUTCF

  • Keeping 4-Legged Friends Safe This Holiday Season
    Very few things can ruin a holiday and make it into a sad memory for […]
  • life insurance floridaLife Insurance: 10 Tips
      Here we are again. It is September and that is Life Insurance […]
  • While the chances are slim, have you ever thought about how your insurance policy would protect you in the event that you were hit by a stolen vehicle? Just how would it work? It is good to educated yourself so that you understand. After all is the owner of the vehicle obligated to cover your damages? Effectively, the simple answer is no. The reality is that there is likely no obligation when it comes to the car's owner the second the injury is caused by illegal usage, such as theft. Thus, the owner's liability insurance coverage would not apply to the damages to your auto, due to the fact that there is actually no legal liability on the part of the owner. That is why when it comes to an instance like this, it is important to understand that there are optional insurance coverages accessible to you and it gives you an understanding of why it can make sense to carry supplementary insurance coverages such as Comprehensive, Uninsured Motorist Property Damage (UMPD), and even Collision coverage. Comprehensive and Collision coverage are often required through your financial institution or leasing company assuming that you finance or lease your car. Comprehensive insurance protection relates to non-vehicle varieties of perils, such as hail, flood, collisions with animals and even theft. On the other hand, because it was not your car which was stolen, Comprehensive coverage would probably not apply for this circumstance. Instead, the collision coverage should apply, addressing destruction to your car arising from a wreck with another motor vehicle or object. The fault does not actually really matter where collision coverage is involved. Collision in most cases contain a deductible, that is a fixed amount of cost that you pay out before your insurer's duty to pay begins. For instance, supposing that your deductible were simply $500 you would pay the first $500 and then your insurance company would taken care of anything over that amount of money, up to the limitation of liability with respect to that coverage. In the case of collision coverage, the limitation is in most cases the lesser of the cost of repair, the fee of replacing or the actual cash value of your automobile. Some policies feature "caps" regarding collision recovery, hence review your policy carefully. The more costly your insurance deductible, the less you'll have to shell out for your insurance, but the lower the insurance deductible, the less you shell out of pocket if something occurs. This is simply another factor to bear in mind when looking over additional policy coverages. Even though the probabilities of getting struck by a stolen automobile are certainly slim, getting hit by an individual without insurance is not. Numerous people drive a vehicle around without being insured which is an additional detail to bear in mind when buying a policy. It is very important to be knowledgeable about situations such as this, as it is usually better to be prepared rather than to end up in a sticky situation.There are actually various kinds of additional insurance coverages available, including ones that include bodily injuries as well. Talk to your insurance company and ask questions like these to come up with the very best protection plan for you.What Happens When You Collide With A Stolen Vehicle?
    While the chances are slim, have you ever thought about how your […]
  • Property Insurance Grief You Can Easy Avoid
    Just in time for this holiday season when so many of us are acquiring […]
  • Six Reasons Not To Drive With Distractions
    If you can view most of these videos, then good for you!. Some of […]

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