9 Tips for Surviving an Earthquake

You've followed precautions and made your home safer if an earthquake strikes. So what happens if an earthquake happens?  In the chaos, split-second decisions could be the difference between peril and safety. Home insurance with earthquake will replace everything, just save yourself and loved ones Remember to stay as calm as possible, one rash choice is one too many.  Louisville based DolackInsurance would like you to keep these tips in mind when the ground is crumbling beneath your feet.

·          At the first sign of an earthquake, drop and take cover under a sturdy piece of furniture or against an inside wall away from objects that may fall on you.

·         Sit or stay close to the floor and hold on to furniture legs for balance.

·         Use your arm to cover and protect your eyes.

·         If there's no sturdy furniture nearby, kneel or sit close to the floor next to a structurally sound interior wall away from windows, shelves, or furniture that could fall and place your hands on the floor for balance.

·         Stay away from doorways, violent motion could cause the doors to slam against your body, crush your fingers or inflict other serious injuries.

·         Do not run outside.

·         If outdoors, quickly move into the open, away from electrical lines, trees and buildings.

·         If driving, bring your vehicle to a stop at the side of the road away from traffic.

·         Do not stop on or under bridges, near or under power lines or road signs.

After the earthquake is over, it's important to be alert for aftershocks. Once you feel safe, look for injured victims and help administer first aid.  Be sure to pay attention to damaged utilities. Avoid loose or dangling electric power lines and report all gas and electrical problems to the proper authorities. Turn off any damaged utilities that you find.
Thanks for visiting our blog.  Visit our website DolackInsurance.com for a FREE QUOTE or call us at 502-333-0577 for a consultation.

5 Tips on How To Prevent Identity Theft

I started looking into what criminals can do with your personal data and realized just how damaging and common it is. Scam artists often use stolen personal information, like Social Security numbers, bank account numbers, PINs and other sensitive information to commit various types of fraud, from taking out credit cards in a victim’s name or using a stolen identity to get a job. In 2012 alone, about 28 million Americans became identity theft victims in one way or another. Hopefully with these tips you can protect yourself from a growing threat to our privacy, courtesy of Dolack Insurance.

1. Get security software that updates automatically. As the efforts to outmaneuver identity thieves evolve, so do the thieves’ tactics. One way to combat this is to make sure that the security software, operating system and browsers on your computer are up-to-date. You can usually set these programs to update automatically.
2. Set up an external drive for data storage. Also back up your computer data with an external hard drive. You may also want to consider printing off your most important files, such as financial documents and family photos, so if your digital copies are compromised, you’ll have hard copies. Store the drive or hard copies in a fireproof safe or emergency kit.
3. Put it in the cloud. Like your laptop, computer or smartphone, external hard drives are vulnerable to fire, flood or theft. Back up your data to an online data storage server, also known as keeping it “in the cloud,”which means that it is protected no matter what happens to your home. A paid storage provider will archive all your files, which you can access via a user-friendly website. 
4. Strengthen your passwords. Never use the same password for more than one account login. Be creative with your passwords Think of a phrase or word and then substituting numbers and symbols for some of the letters.
5. Encrypt your data. Guard online transactions by using an encrypted, secure connection. Not sure if a site is encrypted? Check your browser’s status bar. A “lock” symbol means that your data can be safely exchanged. Save personal financial transactions, like checking a bank account balance, for secure networks. 
6.  Be careful about unsecured wifi.  An unsecured network means anyone can see what data you send and receive.  Public wifi is convenient, but be careful not to visit any sites where you give out your personal information. It's also wise to keep your home wifi secure, anyone can sit in a car and access your information if they desire.

Above all, use common sense when on the internet. Criminals disguise the malicious contents as free offers, giveaways, to good to be true advertisements, and e-mails from unfamiliar contacts.  By following all these precautions, hopefully one accidental click won't crash your computer or, more importantly, destroy your identity.

Thanks for taking the time to view our blog.  We try our best to provide information content on how to protect yourself from some of the more expensive problems life can throw our way. For a Free Louisville Insurance Quote, visit DolackInsurance.com, or call us at 502-333-0577 for a Free Consultation.

7 Essential Spring Cleaning Tips

With the arrival of warm weather and sunshine, (It's coming, be patient) the last thing you want to do is spend every weekend on spring cleaning projects. Fortunately, our handy checklist makes it easy to tackle the big projects step-by-step. Set aside time each weekend to tune up a different part of your house, and in no time your home will be ready for summer!

1. Check for missing or cracked shingles. While on your roof, visually check the condition of your shingles for curling, warping, Clean gutters and downspouts. After removing winter debris from your gutters, check for any blockages by tapping the side of the spout or by blowing air down your drain spout with a leaf blower.
2. Air should flow easily and the drain spout will make a hollow sound. Drainage should be diverted at least three feet from your home’s foundation.
3. Remove debris and vegetation. Ensure winter storm debris does not cause any airflow blockages, which can strain the unit and spike energy bills.
4. Change air filters.  At a minimum, you should change your air filter every three to six months.  A dirty filter slows down airflow, causing your system to work overtime to keep your home cool, which increases energy costs.
5. Schedule a tune-up.  Many reputable HVAC service centers offer seasonal savings on spring tune-ups.  A professional will check your unit for potential problems and replace any aging parts, which helps prevent early system failure.
6. Check for peeling paint or siding. Take a walk around your house and look for any siding damage. It’s much more affordable to repaint your siding or trim now rather than wait until water entry has rotted the wood! If you own a brick home, the brickwork should be resealed every five to eight years.
7. Reseal your deck. Check for loose boards that may need replacement or resealing. If it’s been a few years since your deck’s last spring cleaning, consider power washing and resealing your deck.

Spring is the perfect time to clear out winter’s clutter and start fresh.  Just like a car, your home needs regular tune-ups to keep it secure, comfortable, and beautiful for years to come.

Thanks for visiting our blog.  For more Louisville home insurance information visit our website, DolackInsurance.com or call 502-333-0577 for a Free Quote or Consultation.

How to Prepare for a Hail Storm

Hail can occur in any strong thunderstorm, with chunks of ice falling at 120 mph, even in the summer.  The size of the hail can range from the size of a pea to the size of a grapefruit.  When hail hits, it can shred roof coverings and lead to water damage to your ceilings, walls, floors, appliances and personal possessions.  Just one hailstorm in Kansas City in 2001 caused an estimated $2 billion in damages, according to the National Oceanic and Atmospheric Administration.  Dolack Insurance recommends you implement these hail safety steps now to prevent or lessen damage from a hailstorm.

FOR YOUR HOME

The biggest material concern during a hailstorm is damage to your roof. If there is hail to your patio furniture or your car, you should have your roof inspected as well. Here are a few more hail protection tips:

• No roofing material is hail-proof, but you can find hail-resistant shingles. Look for a Class 4 rating from the Underwriters Laboratories. This rating means that a sample of the product didn't crack when hit twice in the same area by a 2-inch steel ball.
• Find information on what type of roof is appropriate for your area with help from the Institute for Business and Home Safety.
• Most roofing jobs are not for the do-it-yourselfer. Unless you have lots of experience in replacing roof coverings, hire a professional roofing contractor to handle it.

For your car

Hail can damage your automobile so severely that it may cost hundreds, if not thousands, of dollars to repair, so take steps to protect your car if a thunderstorm approaches. Consider these car hail protection tips:

• If weather forecasters are predicting a severe thunderstorm, park your car where it will be protected, such as a parking garage.
• If you are driving and it starts to hail, drive under an overpass or to a garage or carport if you can. If there's no time, pull to the side of road, cover your face with clothing to protect it from possible broken glass and wait until the hail stops. Most hailstorms last five minutes.

During the storm

• If you're inside when a storm with large hailstones strikes, stay there.
• Because large pieces of hail can shatter windows, close your drapes, blinds or window shades to prevent the wind from blowing broken glass inside.
• Stay away from skylights and doors.
• If you're outside, move immediately to a place of shelter.

This hail protection information is meant to help you make decisions that may reduce your risk. Of course, we can't note every possible risk, and we can't guarantee that these tips will work for you. However, we hope that if you use some of them, you'll better protect your family and yourself.

We hope this information has been of some use.  Contact Dolack Insurance for a Louisville home insurance or Louisville car insurance quote.  Call 502-333-0577 or visit DolackInsurance.com for a quote or free consultation

The Gun Debate and Louisville Home Insurance

As the gun debates rage on, it’s a good reminder that homeowners insurance policies also provide some coverage for firearms.  Specifically, a homeowner or renters insurance policy will typically cover theft of a firearm stolen from the premises and liability due to the accidental discharge of a firearm causing injury up to the limits of the policy.  Intentional acts, not related to shooting an individual threatening your safety, home insurance does not cover. 
For proper and effective ways to store and secure firearms, Dolack Insurance provides these tips to help gun owners rest easy:

• Store guns safely and securely to prevent unauthorized use, such as in a lockable container like a lock box or gun safe.
• Guns and ammunition should always be stored separately.
• Increase safety by using both a trigger or cable lock 
• Don not store guns where visible or within easy access of children.
• Do not store firearms with other valuables such as jewelry or cameras, etc.
• If you have children in the household, you may be guilty of a misdemeanor or felony if you keep a loaded, unsecured firearm on the premises and a child in your custody under the age of 18 uses it or carries it to a public place.

 

We hope these tips proved helpful because one misstep is one to many when it comes to guns.  Gun safety courses are essential for anyone interested in protecting themselves, or family, with a firearm.  The most basic rules to remember are use common sense and treat every gun like it’s loaded.

Thanks for visiting our website.  We are always willing to provide our expertise when it comes to Louisville auto insurance, Louisville home insurance, or whatever you need.  For a Free Consulatation, call us at 502-333-0577 for an insurance quote, or our website, DolackInsurance.com

8 Steps for Securing Your House over Spring Break

Spring Break is coming up and thieves and robbers can't wait.  Burglars use your time away to plot and scheme wasy to rob you blind.  If they are successful, you may end up turning in a home insurance claim and see your premium skyrocket.  Whether you’re going away for a week or weekend, here are some simple ways to secure your home and avoid wrecking your homeowners insurance rate:

1.       Get to know your neighbors. Let trusted people know you are leaving and ask them to keep an eye on your home.  Make sure they pick up your mail/newspaper, or stop those deliveries for the duration of your trip.  A pile of newspapers and an overstuffed mailbox is a dead giveaway that no one is home.

2.       REFRAIN from social media:  Don’t announce your travel plans on Twitter or Facebook.  If you can’t stop making vacation related updates, at least turn off the location notifications so people don’t know how far you are from home.

3.       Make your place LOOK OCCUPIED:  Set your outside lights so at least one stays on at night and put timers on your indoor lighting so they go on and off at random intervals.

4.       HIDE obvious temptations:  Do you have an amazing grill?  Lock it inside.  Can you see in your windows? Don’t leave something valuable near them.

5.       LOCK EVERYTHING:  A quality deadbolt lock is the first defense from an intruder entering your home, but it only works when it’s used.  Double check every door and window before you leave to be safe.

6.       DO NOT hide a spare key outside:  Criminals have more experience finding spare keys than you have hiding them. If you need to leave a key somewhere, leave it with a trusted neighbor.

7.       If a car is parked outside, DO NOT leave a garage door opener in it.  Should the house prove impregnable, this is the last option burglars exhaust before they chance breaking glass.

8.       Plant a home security sign in the front lawn:  Home security systems work exceptionally well but not everyone can afford the service.  Create a legitimate looking sign and place it in a visible, well-lit spot.  Burglars will think twice before robbing a protected home.

      

      Above all, enjoy your spring break.  We just hope this tips will help you rest easy while you're away taking a well deserved break.

d    Thanks for stopping by and checking out our blog.  For a free Insurance Quote, visit our website www.DolackInsurance.com or call us at 502-333-0577 for a free consultation. 

Don't Drive Drowsy

·         

·      

In order to better understand the conditions under which drivers experience drowsy driving, drivers who reported having nodded off while driving within the past six months were asked a series of defining characteristics of their most recent experience. We at Dolack Insurance have collected some valuable information for you to consider when you plan your next big trip.

·         

Time of Day

·        While some hold the perception that drowsy driving occurs mostly late at night or in the early morning hours, just 28% of drivers reporting a recent drowsy driving experience report this experience occurring between the hours of midnight and 6:00 a.m. More than one-third (35%) of drivers who nodded off while driving within the past six months say their last experience occurred between 6:00 a.m. and 5:00 p.m. An additional 17% report they nodded off between 5:00 p.m. and 9:00 p.m.

·         

Average Length of Time Driving

·         While slightly more than one in five (22%) drivers who recently experienced a drowsy driving episode report having been on the road driving for five or more hours, nearly half (47%) were driving for an hour or less. [Figure 14-B]

·         On average, these drivers were driving for almost three hours before they nodded off. Males had driven for about an hour longer than females on average (3.2 as compared to 2.2 hours). Drivers age 30 and over became drowsy in a shorter amount of time than younger drivers. [Figure 14-C]

·         

Type of Road Driving

·         Nearly six in ten (58%) drivers with a recent drowsy driving episode report this occurrence on multi-lane interstate highways, 23% report nodding off while driving on a two-lane road with posted speed limits of 45 MPH or higher, and fewer than one in ten drivers nodded off while driving on non-interstate multi-lane roads (8%) or local city or neighborhood roads (8%). This report of nodding off experience by road type does not match the overall pattern of driving by road type. Just 55% of drivers report frequently driving on multi-lane interstate highways as compared with 83% who frequently drive local city or neighborhood roads. 

Hopefully these statistics are powerful enough to consider how aware you are each time you get behind the wheel.  Not only does it raise your car insurance rates, but it's dangerous for your passengers and other drivers.

Thanks for stopping by and checking out our blog.  To receive a Free Insurance 

Quote, visit our website DolackInsurance.com or call us at 502-333-0577 for a Free 

Consultation

How to Avoid Having Your Car Stolen.

In the United States, a vehicle is stolen an average of every 21 minutes. These thefts result in costs to the victim and it increases auto insurance premiums.  These criminals often use the stolen vehicles to commit other crimes such as smuggling and robbery.  It is common for these thefts occur more often where large groups of cars are parked at any time of day for extended periods of time, such as shopping centers, colleges, sporting events, movie complexes, and large apartment complexes.  But, knowing where to park does not prevent grand theft auto.

Dolack Insurance would like to pass along some tips so you don’t become another victim:

Never leave:

• Your vehicle running and unattended even to dash into a store.
• The keys in the ignition.
• Keys inside a locked garage or a hide-a-key box.
• Valuables such as purses, laptops, etc., in plain view even if your vehicle is locked. Place them out of sight.
• Personal identification documents, such as the ownership title or credit cards in the vehicle.

Always:

• Roll up your windows and lock your vehicle even if it is parked in front of your house.
• Park in high-traffic, well-lighted areas whenever possible.
• Report a stolen vehicle immediately to the police.

Suggestions:

• Install a mechanical device that locks the steering wheel, column, or brakes.
• Think about purchasing a vehicle theft tracking/security system, especially if you own one of the frequently-stolen model vehicles.
• When you must leave your key with a valet, attendant, or mechanic, only leave the ignition key.
• Copy your license plate and vehicle information on a card, and keep that information with you and not in the car. The police will need this information if this vehicle is stolen

Car insurance companies discourage the insured from intentionally allowing their vehicle to be stolen, and in some cases have taken their clients to court for fraud.  Thankfully, this a small percentage of car theft claims and auto insurance companies generally only look deeper for multiple cases of grand theft auto.

Thanks for stopping by and checking out our blog.  Contact us anytime at 502-333-0577 for an Insurance Quote, and Free Consultation, or visit our website www.DolackInsurance.com for an Online Quote and more information.

Cheap Auto Insurance for Teens

Teen drivers will affect car insurance premiums more than any accident or moving violation.  Put simply, teen drivers are inexperienced.  Mix in a little angst, throw in a cell phone, add some friends, sprinkle some loud music, and this becomes a volatile combination.  To understand why auto insurance rates skyrocket at the whisper of a teen driver, one must understand risk.

Risk is the uncertainty of loss.  A teen driver is an elevated exposure, or a situation that presents a greater possibility for loss.  Insurance companies offset this risk by requiring higher premiums.  In my experience, for every ten young drivers I added to a policy, six had an accident in the first six months.  These accidents stay on the driving record for five years and are chargeable for three, depending on the company.

For affordable car insurance, teens and parents should consider these options:

1.  Keep higher deductibles or consider just liability insurance.  Most of the premium lies with collision coverage, so abandoning that will lower the premium substantially.

2.  Compare insurance companies and see what discounts are available.  All companies offer some type of good student discount and this is the biggest break they offer to young drivers.

3.  Invest in some sort of accident forgiveness program the first year they’re on the road.  This option does require the car to be fully covered but will protect against future rate increases.

4.  Purchase a safe, low profile car that will be easy to replace or repair.  Along with newer cars being more costly to insure, replacement parts aren't as plentiful as older models. 

Usually all it takes is one accident for a young driver to realize how dangerous driving can be and send your rate through the roof.  Inform your own children to drive as defensively as possible, assume that no one is paying attention, and always wear a seat belt.  

We hope this has helped.  Dolack Insurance can assist you in deciphering these issues and make sure you have the right coverage for your needs.  Contact us at 502-333-577 for an INSURANCE QUOTE or FREE CONSULTATION.

Home Insurance 101- Loss Recovery

Would you be able to remember all the possessions you have accumulated over the years if they were destroyed by a fire or other disaster?  Having an up-to-date home inventory will help you get your insurance claim settled faster, verify losses for your income tax return, and help you purchase the correct amount of insurance.  Dolack Insurance would like to pass on a few key pointers to get the most out of your potential claim and get you back on your feet faster.

1. Keep track of your receipts

Start by making a list of your possessions, describing each item and noting where you bought it and its make and model. Clip to your list any sales receipts, purchase contracts, and appraisals you have. For clothing, count the items you own by category (pants, coats, shoes, for example), making notes about those that are especially valuable. For major appliances and electronic equipment, record the serial numbers, which are usually found on the back or bottom.

2. Don't be put off!

If you are just setting up a household, starting an inventory list can be relatively simple. If you’ve been living in the same house for many years, however, the task of creating a list can be daunting. Still, it’s better to have an incomplete inventory than nothing at all. Start with recent purchases, then try to remember what you can about older possessions.

3. Big ticket items

Valuable items like jewelry, art work, firearms, and collectibles may have increased in value since you received them. Check with your agent to make sure they are properly covered.  It is important that your insurance company know about these items before there is a loss.

4. Take a picture 
You can also take pictures of rooms and important individual items to have a visual record of your belongings. On the back of the photos, note what is shown and where you bought it or the make. Don’t forget things that are in closets or drawers. Use your phone or a digital camera, you may also be able to add a description of the item when saving the photo.

5. Videotape it
Walk through your house or apartment videotaping and describing the contents.  This can be useful for items such as clothing or kitchenware, just open a kitchen shelf or closet and describe the contents. For instance, in the kitchen, it would be sufficient to state that you have a set of dishes for 12 that includes a dinner plate, salad plate,  and mention when they were purchased.

6. Create a digital record
Use your computer or mobile device to make your inventory list. There are many software options and mobile apps that can help you create a room-by-room record of your belongings. Organize it room by room to make recovery simpler.  

Taking steps before a major loss really pays off in the long run.  Make sure there is enough personal property coverage to replace everything of value, otherwise some sacrifices may have to be made.  Also, keep these records preferably away from the property, they could be lost in the catastrophe.

Thanks for taking the time to check out our blog.  Call us 502-333-0577 for an Insurance Quote or Free Consultation. 

Top 8 Factors That Determine Auto Insurance Rates

The average yearly auto insurance premium is about $900, but there is wide variation around this average.  Many factors can affect car insurance premiums.  Not all companies use every one of these factors, and some might use factors not listed here.  Dolack Insurance would like to pass on some factors your insurance may depend on.

 1. Driving record.

The better your record, the lower the premium.  If there are any accidents or serious traffic violations, it is likely more expensive than a clean driving record. New, inexperienced, or drivers that have not been insured for a number of years would also see higher rates.

2. How much you use your car.

The more miles driven, the more chance for accidents.  If the car is used for work, or driven for a long distances, insurance could be higher.  If you driven only occasionally—what some companies call “pleasure use”, companies will charge less.

3. Where your car is parked and where you live.

Where you live and where the car resides can affect the cost of insurance.  Generally, due to higher rates of vandalism, theft, and accidents, urban drivers pay a higher car insurance price than those in small towns or rural areas.  Some areas are also prone to more lawsuits, higher medical care, and car repair costs.

4. Age and experience of the driver.

In general, mature drivers have fewer accidents than less experienced drivers, particularly teenagers.  So insurers generally charge more if teenagers or young people below age 25 drive your car.  This also goes the other way, after a certain age, usually around 70-75, companies start rating by age as most elderly drivers have a slower reaction time.

 5. Your gender.

As a group, women tend to get into fewer accidents, have fewer driver-under-the-influence accidents (DUIs) and most importantly less serious accidents than men. Of course, over time individual driving history for both men and women will have a greater impact on what they pay for auto insurance.

 6. The car you drive.

Some cars cost more to insure than others. Variables include the likelihood of theft, the cost of the car, the cost of repairs, and the overall safety record of the car. Engine sizes, even among the same makes and models, can also impact insurance premiums. Cars with high quality safety equipment might qualify for premium discounts.

 7. Your credit. 

For many insurers, credit-based insurance scoring is one of the most important and statistically valid tools to predict the rate.  Credit-based insurance scores are based on information like payment history, bankruptcies, collections, outstanding debt and length of credit history.  For example, regular, on-time credit card and mortgage payments affect a score positively, while late payments affect a score negatively.

8. The type and amount of coverage.

If you have a new or recent model of car, you likely will also buy comprehensive and collision coverage, which pays if you are responsible for damage to your car.  The higher the deductible, the lower your auto insurance premium will be.  To protect your assets, consider higher than minimum liability limits.

If a DUI is on the record, many companies avoid these customers altogether.  A clean driving record and a defensive style of driving are the best ways to secure affordable insurance.

Thanks for visiting our blog.  Go to our Website to Contact Us for a Insurance Quote or Free Consultation or call 502-333-0577 to speak to us directly.

Exotic Cars and Auto Insurance

If you are going to get auto insurance for an exotic car you are going to have really look around to find it. Regular insurers won't touch it; find a company that specializes in these kinds of cars. You can be sure that your insurance will be very expensive and it will come with all kinds of restrictions.  But, this is just a part of driving an exotic car.

The other issue that insurance companies have with exotic cars is their cost.  Even the cost to repair a minor fender bender can be huge because of the need to get custom parts for the repair.  In fact, the cost of comprehensive insurance is so high that a lot of people only have liability, or the minimum required amount.  However, comprehensive coverage is optional but many exotic car owners find the cost can't be justified, they just pay for any damage out of their own pocket.

For the most part, only a select few cars fit under this category.  All Ferrari, Lamborghini, Bugatti, high end Porsches, McLarens, Acura NSX's, Pagani, Maserati, Aston Martin, Bentley, Maybach, Dodge Vipers, Ford GT and Shelby Cobras.  Basically, if James Bond drove it, it looks like it came from the future, an athlete or celebrity drives it, or costs more than most houses, odds are car insurance will be outrageous.   This goes for every car; if you can't afford the insurance you can't afford the car.

Thank you for the gift of your time and the opportunity to serve you. Give us a call (502) 333-0577 or contact us for a Free Consultation or for an insurance quote.

Busting Popular Car Insurance Myths

Have you ever played the game where a group passes along a phrase from one to the next, all the way down the line?  The final sentence is usually far different from what the first person said.  The same principle applies when talking about car insurance.  Below are five of the most common myths along with the truth, courtesy of Dolack Insurance Agency .

Myth #1:  “Auto Insurance Is Cheaper If You Lease.”

This misconception comes from the false notion that car dealers have their own insurance policies on leased vehicles.  There is no such thing.  When leasing a vehicle, the driver is responsible for carrying full insurance coverage just like if they purchased the car.

Myth #2:  “Car Insurance Companies Can Charge Whatever They Want.”

Every state regulates car insurance and requires providers to submit rate information on an annual basis. If they want to raise rates, they must get approval from the state.  There are surcharges for accidents or claims, but these are to be expected.

Myth #3:  “Red or Black Cars Are More Expensive to Insure.”

Insurance companies never ask the color of your car when you get a policy.  Color is as irrelevant as the size of the trunk or the trim of the interior.  All that matters is the year, make, model, body type, engine size and age of your car, as well as drivers on your policy.  An aggressive driver will drive recklessly no matter what color the car happens to be.  

Myth #4:  “If My Friend Has an Accident While Driving My Car, His Insurance Pays for It.”

In most states, the insurance taken out on a specific car is the primary policy. This means regardless of who is driving in an at fault accident, the policy covering that car is the first one to be tapped. The friend’s policy will pay if the primary policy is insufficient.

Myth #5: “It’s unnecessary to get more than the required amount of car insurance.”

The state’s minimum required insurance is almost never enough to cover the expenses incurred from an accident. This problem worsens if the wreck is at-fault.  In this case, lawyers will target personal assets if the other party is injured, or decides to sue.  Carrying higher bodily injury limits eliminates this problem altogether.

Most of insurance is based on common sense.  Keep this in mind and don't over-think a given situation.  Usually, the most simple answer is the right one.

Thank you for the gift of your time and the opportunity to serve you. Give us a call (502) 333-0577 orcontact us for a Free Consultation or for an insurance quote .