If your answer to the question “What is ordinance or law coverage?” is something like “Um, I have no idea,” take solace in knowing you are in good company. Even if you may have heard of ordinance or law insurance coverage and have a vague idea of what it is used for, you may not […]
Learn the Difference Between DWI and DUI According to the National Highway Traffic Safety Administration (NHTSA), motor vehicle accidents involving an alcohol-impaired driver kill 29 people a day, or 10,000 every year. That number, which adds up to one person every 50 minutes, is actually an improvement; the number of deaths due to impaired driving […]
Proof of Insurance: What it Is and How to Get It As a driver, there are a few items you should always keep with you in order to be at the ready if asked to show them: Your driver’s license, vehicle registration and proof of insurance. Let’s take a look at proof of insurance, which […]
Here’s What to Do If You Lose Employer Sponsored Health Insurance Since roughly half of U.S. workers get health insurance through their employers, high unemployment during the Covid-19 pandemic has resulted in a high number of people losing their health care coverage. Unemployment rose more in the initial three months of COVID-19 than it did […]
The Ins and Outs of Filing a Homeowners Insurance Claim When your home is hit by a burglar, vandalized, damaged in a storm when a tree falls on it, has a leak that turns quickly floods your bathroom or has a roof fire due to a lightning strike, is it time to file a homeowners […]
What to Do When You Want to Cancel Your Car Insurance There are a few reasons you might want to change car insurance carriers. Maybe you’re moving somewhere your provider doesn’t operate. Could be you don’t like the customer service you’ve received. Or, you may have found a better policy with a different insurance […]
Pay-per-mile car insurance can be an affordable auto insurance option for certain customers. But it’s not right for everyone. Throughout this article we’ll refer to it using three names: pay per mile, pay-per-mile and PPM. Know that we’re referencing the same type of insurance every time. Here we’ll explain how pay per mile car insurance […]
A Guide to Life Insurance Medical Exams When you purchase life insurance coverage, you will likely be asked to have a medical exam. The insurer will determine how much of a risk you are, first with an interview followed by a physical exam administered by a medical professional, typically a paramedical, such as a nurse. […]
Selling Your Car? Here’s How to Transfer a Car Title Whether you want to sell your car, give it away or donate it to a non-profit organization, you are going to need to transfer the car’s title to the new owner. How you do that depends on what state you live in and other circumstances, […]
Why Do We Need Life Insurance Coverage? There are few things, if any, that can compare to the agony of losing a loved one. Such ordeals often leave the bereaved with emotional and psychological scars which can take years to recover from. The situation can become even worse if the deceased is a bread winner […]
Is homeowners insurance tax deductible? No. Aside from a few exceptions that we’ll cover here, homeowner’s insurance is not tax deductible. Nor are other property insurance policies you might buy, like flood insurance or earthquake insurance. If you work from home or run your business from home, you will be able to deduct a portion […]
How to Get Cheap Car Insurance When You Have Bad Credit It is not unusual to have a tough time keeping a good credit rating, especially during economic downturns. If you have bad credit scores it can affect your car insurance rates, raising them higher than you’d like. Take some comfort in knowing that you […]
A Helpful Guide to Medical Malpractice Insurance Mistakes happen, and so does negligence. When they occur in the medical field, it can be devastating for patients and their families and expensive for the health care professionals involved. And that’s where medical malpractice insurance comes in. The patient who dies or is injured due to (or […]
Imagine a flood at your home right now. You’re probably thinking of an epic, biblical event! With chest-high waters and the neighbor’s dog swimming by, you turn and imagine your home being washed away by an ocean of water. Sometimes floods look like that, but not every time. They’re usually more subtle. Even if you […]
If you’re thinking about refinancing the loan on your vehicle and wondering whether it will affect your car insurance premiums or coverages, you’re in the right spot. There is a good chance that refinancing will alter your car insurance premiums. But exactly how much? It’s difficult to say until we know all the details. We […]
What Could Happen if You are Hit by an Uninsured Driver Did you know that, as of 2018, an average of 13 percent of drivers nationally do not have auto insurance? This despite the fact that car insurance is required at some level in almost all states. The percentage varies by state, with Florida having […]
No-Fault Insurance: How Does it Work? If you live in a state with traditional (tort) auto insurance, when you are in an accident claims are filed with the at-fault driver’s insurance provider. But, thirteen states (including Puerto Rico) that have enacted some form of no-fault insurance, with which each driver submits claims to their own […]
Driving Statistics for the Great Lakes State Michigan is the 10th largest state by population and 11th in terms of land area. This balance between population and road area has benefited Michiganians, as they are the 15th safest state in the country, when measured by amount of deaths per miles driven. Year: 2018 Statistics (totals) […]
