 Can summer heat break your car windshield or windows?
Yes, especially with the hottest summer on record. One of my client's car windows had shatter cracks throughout the window, and had to be replaced. How does this happen?  With baseball season in full swing, an interesting insurance question that comes up is who is responsible for damages from a baseball hitting a spectator or a vehicle outside the park?
Or, what about damages from errant golf/hockey shots, auto racing accidents, and other sporting events? Generally speaking, the past 5 or so decades of case law has ruled that:  Do you own motorized vehicles other than autos like golf carts, boats, motorcycles, or ATVs?
Insuring these can be very different from regular autos:  Why should you use an INDEPENDENT insurance agent rather than a captive agent?
A captive agent represents only one insurance provider, like State Farm. An independent agent has access to numbers of insurance providers and has more options to offer clients. Advantages of using an independent agent include:  Are you SURE your homeowners insurance covers all you need in light of current inflation?
You might be surprised at how many people are underinsured to begin with, much less adding in the cost of inflation to that. With the significant rise in construction costs over the past several years, your homeowners policy may not have enough coverage in case your home is damaged or destroyed. Even if you have an extra inflation protection endorsement, it may not be enough to cover the difference between the inflation factor and your coverage. As an independent insurance agent, I have numbers of companies to help you ensure adequate coverage at the best possible rates. Call me today at 706-726-1446 for a comprehensive review and quote.  How often should you review your insurance policies?
At a minimum, evaluate them once a year prior to renewal to ensure they still meet your current needs and to take advantage of any potential cost savings. Plus, certain life events or changes in circumstances may require an immediate review of your policies. Examples of situations that may require a review of your insurance policies include:  In the age of online everything, you can get an insurance quote without a "middle-man." So why do you need an insurance agent, especially when you can instantly access a chatbot to answer your questions?
Simply put, if you decide to go solo, you'll face a variety of headaches when (not if) you must invoke your policy in claim situations and pray you chose the right coverage to prevent a financial catastrophe. A great insurance agent is priceless in partnering with you to provide personalized guidance for this critical type of financial protection. So what should you consider in deciding which insurance expert to place your trust in? Here are 7 factors to finding a great match:  What do you do if your car is caught in a flash flood?
This is the season for rain storms, flash flooding, and suddenly finding your car in 6" or more of quickly rising water. It doesn't take much water to create a flash flood, especially in areas with overwhelmed storm drains, the first floor of parking decks, and in densely populated areas because buildings cause significant water runoff. What type of auto insurance do you need for flood damage? Here's what you should know.  Happy Independence Day!
As you celebrate our country's freedom, I hope you have a memorable day in a good way. Outdoor activities - swimming, picnicing, boating, grilling, fireworks - can all create great holiday memories but unfortunately, accidents do occur. Please make a conscious effort to exercise safety precautions and enjoy a fun, accident-free day. Wondering if your insurance covers unexpected injuries from these activities? Call me at 706-726-1446 for a comprehensive review of your policies. |
AuthorDennis Lam Archives
July 2024
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