Please read our blog about a wide variety of insurance topics. Please feel free to ask us any questions.
What is Full Coverage Insurance?
Posted: October 7, 2024
If you’ve ever bought or leased a car, there’s a pretty good chance you’ve been told you need “full coverage” auto insurance while under a loan or lease. But what exactly does that mean? Honestly, there is no such thing. It is not a term generally used by insurance companies because no insurance company can cover 100% of all situations, which is why so many...
Coach vs. Mentor: What Can They do for Your Professional Development?
Posted: October 4, 2024
Whether it’s in our personal lives, athletic activities or professional endeavors, many of us have relied on the guiding hand of a trusted third party to help overcome challenges. Our first encounter may have been a grade school coach who helped us learn how to hit a ball or shave a few seconds off the mile run. Later, we may have been mentored in our...
What You May Not Know About Motorcycle Safety
Posted: October 2, 2024
When it comes to motorcycle safety, attention to detail is critical. According to the National Highway Traffic Safety Administration (NHTSA), motorcyclists face significantly higher risks in comparison to passengers in other vehicles. For every mile traveled, the risk of injury for motorcyclists is four times higher than that for passenger car occupants. The risk for fatality is far worse: seven times that of injury —...
Celebrating National Disability Employment Awareness Month
Posted: October 1, 2024
October marks National Disability Employment Awareness Month (NDEAM), a time dedicated to raising awareness about creating inclusive workplaces and promoting opportunities for workers with disabilities. NDEAM encourages businesses to recognize the potential of people with disabilities and to actively work toward fostering environments that accommodate and celebrate diversity. As companies strive for inclusion, NDEAM serves as a reminder of the progress made and the ongoing...
When is a Car Considered Totaled—And What Happens When It Is?
Posted: September 30, 2024
The first step in determining whether a car is totaled (or, in insurance terms, a total loss) is to calculate its actual cash value (ACV) at the time of the loss. The ACV is how much your vehicle is worth after factoring in depreciation. On average, vehicles depreciate more than 20 percent in the first year and approximately 10 percent each additional year for the...