Jan
13
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Author: Kevin | Category: Auto, Homeowners
I often get this response when giving someone a quote. Once they’ve heard the rate they say “but my friend has his insurance with you and he only pays…” We often compare our rates with the rates our friends have. It’s understandable but it can also be unrealistic to believe we should have the same [...]
Dec
23
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Author: Kevin | Category: Auto, Coverages
Q. I’ve paid off my vehicle, do I still need “full coverage”?
A. This is a question I get a lot. The first thing we should address is the term “full coverage”. In this case, what you are referring to are the two coverages, comprehensive (sometimes called “other than collision” or just comp) and collision. I [...]
Dec
22
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2
Author: Kevin | Category: Auto, Coverages
Q. What is this “stacked” coverage all about?
A. Stacked coverage refers to Uninsured Motorist coverage. It does not apply to any other coverage on the policy. I’ve heard people think that “stacked” meant all of their coverage stacks. So first of all just remember that stacked or non-stacked only refers to uninsured motorist coverage or [...]
Dec
21
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Author: Kevin | Category: Auto, Coverages
Q. Why do I need liability insurance if Florida is a “No Fault” State?
A. “No Fault” is something that is commonly misunderstood. In our state, the “No Fault” law only refers to the first $10,000 of injuries. After $10,000, you are responsible for any injuries you cause. If you damaged any property, e.g. a car, [...]
