When your car is damaged in an accident, it is possible that the person who caused the accident may not have enough coverage to repair or replace your vehicle. If you have optional collision coverage in your own automobile insurance policy, it can be used to help pay...
Most of us just pay our automobile insurance premium without completely understanding what coverage we have and what coverage we should have. In this and the upcoming series of blogs we want to give you a brief explanation of the various options you have and...
Uninsured Coverage First, you need to understand the difference in these two types of coverages. Uninsured coverage (abbreviated as UM on your declarations page) is for situations where the person who caused the accident did not have insurance at the time of the...
Condemnation (sometimes called eminent domain) is the right of the government (or sometimes a private utility company) to take a person’s property for the better good of the public. The property owner rarely welcomes the taking of one’s property. Examples of...
Medical Payments Coverage (Medpay) is included in most automobile insurance policies but few people even know it is there or what it is. Medpay is an optional coverage, but because it is so expensive, most insurance agents automatically include it with your insurance...
