What are they, and should you have one? Personal umbrella policies have grown in popularity, but they aren’t necessary for everyone. An umbrella policy protects you against a catastrophic liability loss. For example, a major car accident that injures many people or that causes permanent impairment or death may result in liability beyond what a typical automobile policy covers. An umbrella
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Do you know what to do if you have a car accident? Even the best drivers can get into auto accidents. Weather conditions, road work, pedestrians, distractions and other drivers can cause even the most careful driver to crash. Do you know what to do if you are in a car accident? Safety first. Whether it’s a fender bender or
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And so does your family’s future Alan Lakein, author of How to Get Control of Your Time and Your Life, once said: “Failing to plan is planning to fail.” And when it comes to protecting your family’s future, that statement has never been more true. There are several steps you can take now to protect your family later. Life insurance
Read More7 tips to help you navigate safely The I-91 construction project is in full swing in downtown Springfield, and road work throughout the rest of the region is picking up now that the weather is warming. With a little patience and advance planning; however, you should be able to reach your destination safely and on time. Some of these
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It’s an exciting time when your teenager gets their license. The big question on every parent’s mind, though, is: what does this do to my auto insurance premium? Statistics show that young operators are at much higher risk to get into fender benders than experienced operators. This results in the cost of your collision coverage going up. So, what
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Whether you’re on a business trip, vacationing or your car is in the shop, there are many reasons why you may find yourself behind the wheel of a rental. But before you drive away, you should give your insurance agent a call to discuss if you are covered under your current automotive policy. Typically, your personal automotive insurance should extend
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Get it now, be glad you did later We’ll be the first to admit it: Insurance isn’t particularly riveting. Don’t get us wrong; we happen to find it quite interesting, and heaven knows it’s important. It simply doesn’t spark much excitement. Not in the way something like a robbery, a serious injury or a lawsuit might. Those things
Read MoreHow auto coverage costs are determined, and how you can help control them The whirlwind weekends spent online and on lots are behind you at last; you’ve got yourself a new vehicle. You did the math, worked your sales-defense savvy and settled on a manageable loan payment. Hopefully, your number crunching considered that other monthly payment, the one that goes
Read MoreWe’ve all heard it before: a brand-new car loses 30% of its value when it’s driven off the lot. That means if your car is totaled or stolen, your insurance company will only pay out what your car is worth at the time of the claim. The purpose of Guaranteed Asset Protection—better known as GAP insurance—is to cover the
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The most important policy you may think you don’t need You lock up your home at night. You secure your children in 5-point harness car-seat systems and make sure you buckle up, too. You keep emergency numbers posted on the fridge, right near the phone. Then, with these things in place, you carry on. And that’s our segue to a
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