People are often left reeling from the terrible costs of hurricanes. Homes, businesses and vehicles will have been damaged or destroyed and, after ensuring the safety of your family, the next step is often filing your insurance claim. But to get the best possible settlement for your claim, you’ll need to document your losses as…
To make ends meet, or to build up their nest eggs, many people have turned to moonlighting as Uber or Lyft drivers. However, if you are planning to make some spending money, you need to understand that doing so could invalidate your personal auto policy. Uber and Lyft are so-called “ride-sharing” mobile apps that connect…
Auto Insurance and Your Friend One Saturday afternoon your friend calls you up and asks: “Dude, can I borrow your car for a few hours today? Mine’s in the shop.” You don’t think much about it and hand over your keys. But what do you do if your friend has an accident? Will your…
Does Your Car Insurance Cover Collisions with a Deer? One of the most unpleasant accidents for a motorist is hitting a deer or other wild animal or livestock. The times of year that motorists in areas with deer, moose or elk are most likely to collide with one of the creatures are October and…
A new study by the AAA Foundation for Traffic Safety has found that too many drivers are unaware of the safety limitations of the advanced driver-assistance systems in their vehicles. As a result, they are taking for granted that these systems will always warn them or help them take corrective action before a collision occurs.…
It can easily happen … you misjudge the space when making a turn in close traffic or in a parking lot and you tap another car’s rear bumper. The other driver gets out his car and appears unhurt. He inspects the bumper and says “Let’s just forget about it.” You agree and go on your…
If you are one of the Americans who have purchased a motorcycle in the last 10 years, you’re clearly far from alone: Ownership has risen steadily in the past decade and over 13 million people across the U.S. are now riding motorbikes. And of that total, nearly 20% of all riders are women. Just as…
Expecting a baby is one of the most joyous experiences in life. As you prepare your nursery, don’t forget to talk to your insurance agent to make sure your coverage reflects the change in your growing family. Below are a few pointers. Health insurance Before your baby is even born, review your coverage and make sure…
As we ring in the New Year, one of your resolutions for the year should be to improve your home safety for you and your family. There are many things we can all do better in terms of ensuring that we are safe and that our home and valuables are protected. This year we offer…
Seven Ways to Reduce the Cost of Car Insurance for Your Teen Driver While teenagers react with glee when they get their driver’s license, for parents it is a time of angst and the specter of higher insurance premiums. Sticker shock is not uncommon when parents receive that first quote for coverage, but there’s a…
Vintage and classic car collecting has been growing in recent years as more people accumulate wealth and millennials get into the action. If you’re in the market for a collectible vehicle, you’ll want to make sure that you get the right kind of classic care insurance. Your standard auto policy may not provide the coverage…
You’ve no doubt been overwhelmed by the amount of fine print that your insurance policy has. The main reason for the fine print is to lay out in detail what the insurance company will cover in case of a claim and what it won’t. It’s important that you go through this with your insurance agent…
Employment practices and employee benefit-related lawsuits are on the rise – and employers have to be eternally vigilant when it comes to meeting their compliance obligations as plan sponsors. Take the case of Visteon, a global automotive industry supplier, which outsourced its payroll and enrollment/disenrollment functions to outside plan administrators. But because of internal mistakes…
Cyber threats have continued growing, in fact they been ramping up, and the trend according to experts is that the risks will continue to grow at an exponential rate. And small to mid-sized firms that think they will fly under the radar of cyber threats are sadly mistaken, as they are usually easier pickings for…
As the new year gets underway and while you’re making New Year’s resolutions, you should also resolve to review the state of your business’s insurance program. The best way to do that is to start by reviewing your enterprise’s activities in the past year and how they may affect your insurance policies in the new…
While most companies focus on driver training to help reduce the chances of accidents pushing up their commercial auto insurance rates, many executives have been frustrated to see their rates climb. The top two factors affecting your commercial auto insurance rates are your history of claims and the driving records of your individual drivers. To…
Why Every Business Needs Non-Owned Auto Coverage Even businesses that own fleets of autos sometimes use vehicles that do not belong to them. Often, a business asks an employee to run an errand or visit a customer or vendor using that employee’s car. The organization may become legally liable for anything an employee acting…
In the last month of the Trump administration, the Labor Department finalized a regulation to clarify for employers which workers are employees and which are independent contractors. Because independent contractors are typically ineligible for employee benefits, businesses have an incentive to classify workers that way. The new regulation’s purpose is to make answering the question…
Nearly 25% of all lost-time workers’ compensation claims are exaggerated, according to the National Insurance Crime Bureau. While only a small percentage of workers’ comp claims are fraudulent, quite a few include employees staying away from work even after they’ve been cleared to return by their doctor and when they feel able to work. The…