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Why Do I Need Long Term Care Insurance?

August 12, 2016

Why buy long-term care insurance coverage? Because long-term care expenses could easily deplete even the best laid out financial planning. A lot of people mistakenly think that their health insurance or Medicare will pay for any long-term care services they could need. #1 - Receive The Services You Need In The Care Facility You've Chosen The truth is that private health insurance merely pays out for physician and hospital bills. Medicare only pays for various professional care for up to 100 Read More

Life Insurance For Kids

July 27, 2016

Do kids need to have life insurance on them? It is a highly disputed discussion. If you examine the following advice and believe that you are in a situation that may gain peace of mind from life insurance being put in place on your kids, then this could be a wise financial choice for you. Some people are not in a situation that would matter either way by their child having life insurance. The decision of this debate is going to differ from person to person, and you'll only be able to get to the Read More

Tips On Buying Homeowners Insurance

July 19, 2016

Tips On Buying Homeowners Insurance

Acquiring homeowners insurance is a smart idea.  Plus it is required assuming that you have a mortgage on your residence. Having knowledge of just how much insurance is needed to insure your property in the event of a total loss may be a little tricky. Here are some ideas on how you can protect your home and possessions with the correct amount of insurance coverage. Correctly Protect Your Residence By Establishing The Current Costs To Rebuild Identifying how much your home is worth is a great Read More

What Kind of Insurance Do I Need?

July 12, 2016

What Kind of Insurance Do I Need?

If you already have auto insurance, or you are looking to purchase a new vehicle, car insurance is a subject that numerous people would like to avoid. Hopefully, the insurance we buy is something that we will never actually have to use. Vehicle insurance policies can certainly be complicated, and it will be the decisions you've made when buying the policy that will impact the experience you have in the event of a claim. Sadly, several people make simple mistakes when acquiring insurance for Read More

Should I Get Renters Insurance?

July 3, 2016

Should I Get Renters Insurance?

Searching for a new residence is an exciting process, but it can also be a bit stressful. If you are in the process of finding a new place to live, then a big question to ask yourself is: "Should I get renters insurance?" Below Are Some Important Things To Think About When It Comes To Considering Renters Insurance Regardless of the place you choose to live, your landlord is not accountable for insuring your personal possessions. So, here is where renters insurance comes into action. As A Read More

12 Fun Things To Do This Summer

June 18, 2016

Fun Things To Do This Summer

Before you know it, we will be saying goodbye to summer.  Take advantage of it while you can.  Here are 12 fun things to do this summer that will have you remembering the summer of 2016 with fond memories: 1. Spend an evening at a drive-in movie theater. It is perfect for a romantic date night. 2. Gather the ingredients for smores and build a campfire. It is a simple, yet fun way to spend quality time with loved ones. 3. Go to your local farmers’ market and purchase some fresh fish or steaks Read More

15 Yard-Changing Fence Ideas

June 3, 2016

This season, are many ways to jazz up your outdoor spaces. No matter if you are planning to grow a potato tower, build some of your own furniture, or simply design a relaxing spot where you can think and meditate, 2016 is the year for you to turn your dream backyard into reality. Here are 15 yard-changing fence ideas. As I've been thinking about my backyard design plans, one of last things I ever thought of renovating is the fence. Probably because it was put in place out of necessity.  After Read More

Florida Auto Insurance Scams

June 1, 2016

Florida_Auto_Insurance_Fraud

Are Florida Auto Insurance Scams Increasing Insurance Premiums? Even if you are never directly involved with insurance fraud, if you are a Florida resident, it still impacts your Florida auto insurance rates. Florida auto insurance scams put innocent people in danger, slows down the efficiency of honest insurance claims and increases our Florida auto insurance premiums. In some states, fraudulent activity impacts as many as 33% of auto insurance claims. The National Insurance Crime Bureau Read More

Florida Auto Insurance: 8 Points

May 26, 2016

If you live in Florida, and you own a car, then dealing with Florida Auto Insurance is just a fact of life. While your Florida auto insurance policy may not be on your mind on a daily basis, if you are most people, it enters your mind when you receive your auto insurance bill. It is important that you understand the auto insurance coverage you have so that you possess the insurance coverage you think you have if you have an insurance claim. Because of this, here are eight important aspects of a Read More

Florida Auto Insurance: Is it Increasing?

May 17, 2016

In Florida, in which the majority of residents operate vehicles, is dealing with a prevalent increase in auto accidents. And as a result, this naturally brings about more auto insurance claims. One of the inquiries we receive frequently as a Florida auto insurance carrier is, "Why is car insurance increasing if I have not had an incident or a speeding ticket?" All insurance plans including those provided by Florida auto insurance companies are developed to spread the risk-- and for this Read More

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Lisa Faina, CIC, LUTCF

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  • 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?
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