I get calls in my office once in awhile from clients who want to know how their pricing on auto insurance is determined. This simple question does not have an easy answer. There are dozens and dozens and dozens of factors that are taken into place to price a policy. You know many of them. […]
In a previous life, I was a hall director on a college campus. In my first year, my department also had a new department head named Kevin. Kevin was very excited to make a difference and infuse some new life into a department that had been standing still for many years. The middle of the […]
I have been an agent since 2004 and every week, I get to learn something new. I continually get questions I haven’t heard before. The latest question I had to answer from a client, was “If my dog brings in a skunk and the skunk sprays inside the house, is there any coverage for that?” […]
This may be a ludicrous parallel to draw, but I think it will make a point. I recently saw the movie “Hacksaw Ridge”. It’s a nearly unbelievable story about an American soldier in WWII who singlehandedly, saved 75 men in one battle without carrying a weapon. During the night, he sneaked around the battlefield, riddled […]
Many of your insurance policies have two lines of coverage called “medical” and “liability”. The coverage offered inside of these are similar, but they are triggered in different ways. In this podcast I discuss the difference between the two. With medical, generally, fault does not come into play. With liability someone has to be liable. […]