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10 Boat Theft Prevention Tips

Monday, 18 November 2013 by

10 Boat Theft Prevention Tips Many residents of the Charleston area are fortunate enough to own their own boat. For many of these boat owners, their boat isn’t just an extra source of transportation but their pride and joy, often times a symbol of all of their hard work and achievements. Sadly, boat theft is

Unfair Claims Practice

Monday, 08 July 2013 by

Unfair Claims Practice Requesting payment for a loss under your home, auto, boat or other policy is the major reason for having insurance. You have paid your premium with the assurance that, should an eligible loss occur, you or your property will be protected. Faithfully handling your premium payments gives you the expectation that your

Yacht Insurance

Wednesday, 05 June 2013 by

Yacht Insurance Proactive safety and security measures can go a long way in minimizing injury and costly damage. In conjunction with safety and security measures, did you know there are a range of yacht loss prevention services offered by insurance companies? An analysis of claims filed by yacht policyholders showed that many unfortunate scenarios could

Are You Liable For Summer Fun in Charleston, South Carolina? Ready, Set, Summer! Summer generally arrives with a huge surge in recreational activity. School ends and parents start searching for leisure and recreational activities for themselves and their children. The activities range from elaborate vacations or summer-long camps to simply buying play and sports equipment (or

Why a BUI Means Higher Auto Insurance Rates Boats and alcohol: Many boaters think they are a perfect combination. A nice summer afternoon, a few friends aboard, a cooler of beers – what more could you want, right? Truth is, drinking while piloting a boat is more dangerous than while driving a car. Boats cannot

Boatowners Coverage South Carolina -2012 The insurance approach for covering boats and boating property is quite similar to what is used to protect cars and homes. Essentially insurance is offered on a package basis, meaning that there is coverage for physical property as well a protection against the legal and financial consequences of injuring others

Internet Insurance Information

Wednesday, 11 April 2012 by

The Internet, due to this medium’s connection to savvy, technologically astute consumers, has become an ideal method for promoting and selling insurance products. However, even as greater advantage is being taken of electronic insurance transactions, it is important to keep a bit of old, yet still excellent advice – “Let the buyer beware.” Possible Danger

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Credit Based Insurance Scoring

Tuesday, 28 February 2012 by

Insurance companies use different sources of information about a person that supplements an application. For auto coverage, motor vehicle reports are ordered. For home coverage, physical inspections may be needed. Another tool that is widely used for underwriting is credit-based scoring. Use of this method was once controversial but, by and large, it has gained

Insurance Fraud

Wednesday, 01 February 2012 by

Insurance fraud makes victims out of insurance companies and their customers. In common terms, insurance fraud is lying to or deceiving an insurer in order to make money or to become insured. Some common fraud schemes include: “padding” (inflating the true amount of) a claim lying or hiding (concealing) important information when applying for insurance

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Maintaining Underlying Coverages

Thursday, 26 January 2012 by

Umbrella insurance only works properly when the primary (underlying) coverages are maintained.  In fact, the obligation to make sure proper support remains in place is part of the umbrella insurance contract. It is found in the policy’s “Maintenance of Underlying Coverage” provision. The provision typically refers to the policy’s schedule or declarations where all of

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