May 13, 2021, 6:04 AM

People count on auto and homeowners insurance to step in when they are legally responsible for another individual's injury or property damage. However, medical care and property restoration are expensive, and can add up quickly. Personal assets are on the line when the other person's damages exceed your policy's liability limits. An umbrella policy protects your financial resources by providing excess liability coverage. Click on the link to learn more.

May 5, 2021, 4:13 AM

Beneficiaries are eligible to receive benefits if the insured individual passes any time after the policy's effective date, provided premiums are paid up. However, most life insurance contracts have contestability clauses that enable the company to look more closely at claims submitted in the first two years of the policy. Click on the link below to learn more.

Apr 28, 2021, 4:43 AM

Motorists are bombarded with distractions each time they slide behind the steering wheel. Cell phones, temperature controls, music settings, tending to children, admiring landscape, eating, drinking - the possibilities are endless. Unfortunately, distracted driving contributes to numerous auto accidents each year, causing thousands of dollars in property damage, personal injury, sometimes even death. Click on the link to learn more about distracted driving and strategies to help you stay focused behind the wheel.

Apr 21, 2021, 4:45 AM

Three types of professionals resolve insurance claims - public adjusters, company staff adjusters, and independent adjusters. Click on the link to learn more about each and when to consider a public adjuster.

Apr 14, 2021, 4:20 AM

Possibly. Insurance companies periodically review policyholder claims to analyze future loss potential. All losses are considered. A nonrenewal means the risk of future claims is greater than the insurer is willing to accept. Click on the link to learn more.