TodayInsurance.net

The online insurance shoppers have some distinct advantages. They don t need an appointment. They don t need to be on the telephone. They just need to be prepared. If you are planning to shop online then you need to have some basic information at your disposal. The first time buyer needs to have some basic information. The best resource for that information would be an appraisal. The home appraisal has most of the information necessary to give you an adequate quote. The market value of the home along with the square footage are the two most important criteria used to determine the amount of insurance needed. The market value and age will dictate the type of policy to purchase. The renewal declarations page is a valuable source of information for the comparison shopper.

Actual Cash Value - Actual cash value is one way the insurance companies settle losses. This method will calculate the actual replacement cost at the time of loss and subtract any depreciation because of age or use. You will generall (more...)

The nightmare of contributory negligence… Is this the way YOUR state does things?

We had a young lady insured in our agency. She was driving to work one day, waiting to make a left-hand turn, with her turn-signals on, etc… As approaching traffic cleared, she began her turn… just as the bonehead behind her was passing on her left! There was a grinding collision…!

Obviously, it was the passing driver s fault, and we had our insured file a claim against that driver s car insurance. That is when we found out the other driver was uninsured.

No problem, we thought. The other driver was speeding, driving without a license, driving without car insurance, passing at an intersection… Clearly at fault… This is exactly why we carry “Uninsured Motorist” coverage… to pay for our damages and injuries if we are struck by an at-fault uninsured driver.

So our insured filed a claim under her own policy s UM coverage. Simple solution… But (more...)