What happens when your car is stolen without insurance? Unfortunately, if your car is stolen and you don’t have insurance coverage, you may be responsible for the full cost of replacing your vehicle. When a car is stolen, the owner…
Are you excited about test driving a car, but wondering if you need to have insurance? It’s a common question that many people have when they’re shopping for a new car. We’ll answer the question of whether or not you…
As an insurance agent, one of the most common questions you’ll receive from clients is “what if my car insurance doesn’t pay enough on my claim?” This is a valid concern, as no one wants to find themselves in a…
As an insurance brokerage, we get this question quite often from clients who are concerned about their insurance rates going up after filing a hail damage claim. The answer to this question is not straightforward, as it depends on various…
As an insurance broker, one of the most common questions we receive from clients is “Can a car be repossessed for no insurance?” The short answer is yes, it is possible for a car to be repossessed for not having…
As an insurance brokerage, we often get asked the question, “Does my car need insurance if I’m not driving it?” The answer to this question is not a straightforward yes or no, as it depends on the circumstances. Let’s explain:…
Are insurance companies trying to rip you off? Is car insurance a scam? You may not not want to take the opinion of an insurance broker, but we’ll be honest and unbiased in our take… so read on. Our honest…
What is the difference between “Actual Cash Value” (ACV) AND “Replacement cost value” (RCV)? Which one is better? There are huge differences between these two coverages and if you have a homeowner’s insurance policy you need to know the difference.…
The deductible is the amount of money that you are responsible for in the event that you file an insurance claim. In other words, the deductible is the amount of money that the insurance company subtracts from your claim pay-out.…
Car insurance can cover you for hit-and-run accidents. However, if you don’t have the correct coverage on your auto insurance policy, you may be out of luck if you’re the victim of a hit and run accident. The last thing…