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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

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

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

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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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