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Sometimes Less is Less

Friday, 08 March 2013 by

Sometimes Less is Less Car ownership is a large part of the family budget for most households and a major expense is insurance. Ever since automobile insurance has been offered; buyers have been sensitive to how much it costs. Many insurance company ads focus on price and new customers are acquired by companies who offer

Car Pooling – Part 2

Monday, 04 March 2013 by

Car Pooling – Part 2 Note: Please be sure to read “Car Pooling – Part 1″ You have already learned that many drivers use different ride-sharing arrangements. The typical automobile insurance policy covers these arrangements because the driving exposure is essentially the same. The common policy exclusion that refers to “public or livery conveyances” is

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

A Stormy Issue

Wednesday, 18 January 2012 by

When the topic of exotic, ideal locations for vacations comes up; island paradises and tropical locales are always popular. The water, the beaches, the warm winds are very attractive conditions. However, they are also the originating locales for tropical storms and hurricanes. The dark side of the tropics is that all of the water and

Auto Policy Exclusions

Friday, 06 January 2012 by

Besides proving that you’re a responsible driver, having auto insurance also means that you’re complying with your state’s requirements for driving on its roadways. However, even if you have auto insurance, there are still instances, called exclusions, when your policy won’t provide coverage. Why should exclusions exist in an insurance contract? There are several different

Safer Prom

Wednesday, 20 April 2011 by

Most young people remember their high school prom as being a particularly important point in their lives. For many, it represents their first chance to participate in a formal event. It is also considered a chance to act as a full-fledged adult. The event involves arranging a complete evening of dining, dancing and socialization. However,

My new Driver

Wednesday, 13 April 2011 by

Young drivers are expensive to insure. Such drivers, particularly teenagers, cause a high amount of traffic accidents because of their lack of experience and the fact that, due to their youth, they tend to be distracted drivers who also like to take risks. If your household is about to add a new driver, make sure

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