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Monthly Archives: January 2013

32-Auto Insurance Anyone? Part One

If you asked the average person to tell you about their Auto insurance policy what do you think they would say? Probably something like: “Oh, I’m fully insured,” or “I have 25/50/100,” or “I only have liability insurance,” or “I am not sure.” Maybe even,“I just know that I have insurance, I trust my agent.” It is a small group that actually knows the basics of their insurance limits and coverage. Rarely does anyone take the time to read and truly understand the definitions of their insurance policies. That is unfortunate. It really is important to know what you are, or in most cases, are not buying. So let’s start with the basics. By far the most common response I hear is, “I’m fully covered.” What exactly does that mean? Who knows? And that my friends, is where the puzzle begins. What is insurance, and why should we have it anyway? Great question. Insurance by definition is an arrangement by which a company gives customers financial protection against loss or harm ... read more

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