With another tragic limo crash making headlines, we thought it would be helpful to examine why not wearing a seatbelt in the back seat can be dangerous. Adults are accustomed to wearing seatbelts in the front seat, be it for fear of a ticket or hopefully to stay safe while driving. However, the backseat can be a different matter altogether. Many adults and even children shirk the idea of wearing a seatbelt while riding in the back, but in reality it is just as important as wearing one in the front. The idea that the back seat is less dangerous than the front seat is simply false. Let’s dispel the myths as to why some people don’t feel it’s necessary to wear a seatbelt in the back seat of a car, bus or limo.
When first shopping for insurance, everyone has to start somewhere. While your first time buying insurance may not seem very exciting, this is actually a cause for celebration. After all, you’re established enough to pay for your own insurance, and you have property like your car, home or apartment and more to cover. While it may seem tempting to just buy a quick internet policy for the least amount of money possible, you’re much better off doing your research before buying that first policy. We’ve put together several tips for first timers who are just getting started in the insurance world.
If you’re a Colorado resident, hail damage has absolutely impacted you in the past couple years. Wait, you say you were lucky enough to avoid any damage or insurance claims as violent hail storms have hit the state? Unfortunately they have still impacted you, at least your auto and homeowners insurance rates. If you’re a Colorado resident, there is no denying that you have to grapple with the risk of hail storms every spring. We also have to come to grips with the fact that the costs of each hail season are soaring. Most estimates place damages around 10 billion each year for the last decade. Let’s dig deeper into why hail damage costs continue to rise and what homeowners can do about it.
Now that school is back in session after the summer, many new teenage drivers will be getting their licenses this fall. This also means that teens will face challenges while driving like changing weather conditions, school traffic and more. Even if teens aren’t brand new to driving, they still face many dangers as they gain experience behind the wheel. Fact is – auto accidents are the leading cause of death for US teens. Whether you’re just shopping auto insurance coverage for the new driver in your family or you have a teen driver still learning the ropes, you absolutely need to know these statistics. Let’s take a closer look at teen driver statistics and what they mean for safer teen driving, especially if you are a parent.
Homeowners insurance exists to cover a variety of claims. These include liability claims like dog bites or property loss claims like those sustained after a burglary. However the biggest claim any homeowner hopes they’ll never have to deal with is that of damage to their home after a disaster. This can come in many forms from fire to flood or other circumstance. Whatever the disaster, it’s important to always keep in mind that you can recover. Let’s look at how to recover after a disaster and key steps of the process.
Sometimes your current insurance company doesn’t end up being the best option for you going forward. It’s natural for consumers to switch insurance companies a few times in their lives, if not more. There are several reasons consumers switch. Their previous insurer may not offer all the coverage options they now need, or the customer may move to an area where their previous coverage isn’t applicable. Other times it’s as simple as dissatisfaction with the insurer’s service or a simple matter of price. Whatever your reasons, you should never feel like you’re locked into your insurance coverage. Let’s take a look at the steps required to switch insurance companies.
Insurance claims are an inevitable part of owning a home, and part of evaluating homeowners coverage is determining how often on average you can expect to file a claim. While we certainly don’t have a crystal ball when it comes to claim frequency, we do have the history of previous claims to draw upon. These estimates can give you a rough idea of how often you can expect potential claims to arise. This in turn can help you determine your ideal insurance deductible. It can also be helpful in long term financial planning and help you avoid future claims altogether. So if you haven’t already, it’s time to ask – how often are homeowners claims filed on average?
In recent years, insurance customers have been bombarded with countless insurance ads about how they should switch companies and how much they can save when they do. In light of this oversaturation, it can be hard to know exactly what to value in the insurance coverage you shop for. Sure savings are great, but they’re just part of the picture. Overall coverage can vary from company to company, and sometimes restrictions and limitations exist with one company that may not with another. Homeowners insurance is a particularly important coverage to comparison shop because it represents one of the larger investments an insurance customer makes. It only follows that you should carefully comparison shop homeowners insurance when you first buy a home or when your existing policy comes due. Here are some tips on how to know exactly what you’re getting as you shop.
There are several insurance coverage options that make up a typical portfolio for any Colorado resident. These include homeowners insurance or renters insurance, auto insurance and umbrella insurance. However many Colorado residents may be overlooking an important insurance option that could effect the way they earn income. Those that choose to drive for Rideshare companies like Lyft or Uber absolutely need to make sure this type of coverage is added to their insurance portfolio. It is called Rideshare insurance, and if anyone who drives for rideshare companies is skipping it, they need to think again. Let’s take a closer look at why.
For any home buyer, be it first time or experienced, homeowners insurance is considered an essential part of the equation. Indeed if a home is purchased with a mortgage, homeowners insurance is a required part of the transaction that must be maintained through the life of the loan. Other homeowners acquire property via different means, be it inheritance or buying the home outright. For individuals in this circumstance, homeowners insurance is not expressly required, and they can opt out of the coverage if they so choose. The thing is anyone who decides to “opt out” of homeowners insurance, be it the coverage entirely or certain key elements of the coverage, is taking a risk by waiving this important insurance option. Let’s investigate why often it’s more expensive to skip homeowners insurance.