Why do you buy Auto Insurance? “I have to” may be your response and that is so true. Most states require auto liability insurance and almost all lenders require collision and other than collision coverage (the so-called “Full Coverage” option) so “I have to” is a great reason but there is an even better reason…. Before the [...]
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Save Money on Car Insurance while taking less Risk
February 4th, 2012Is your auto insurance responsible if your car hits a parked car? NOT always!
January 5th, 2012A few years ago a client (Mike) came in and told me that his parked car was hit in our local shopping mall’s parking lot by another car. I told him that he had elected to purchase only liablity on his vehicles. He told me that wasn’t a problem because the other party had auto insurance on her car. [...]
How much life insurance should we buy?
December 26th, 2011The down and dirty answer to this question is almost always….MORE. I’ve never met a widow or widower that said that their spouse had wasted money on life insurance. I HAVE dealt with survivors scrambling to put enough money together just to get the deceased into the ground! With the obvious out of the way, [...]
Jewelry is Special
October 9th, 2011Are you a sparkler? You know, a bauble bearer? Some people really enjoy wearing jewelry and for others, its not a big deal and thats the secret to why insurance companies require that you take special steps if you happen to be the bauble-bling queen or king. Everyone has dishes, a couch, and clothes so when homeowner’s policies [...]
Contractor’s Insurance
September 14th, 2011Hettler Insurance is excited to announce that in August, 3 contracting companies with total sales approximating $7,000,000 were added to their client list. We used multiple carriers to develop programs for these companies including Texas Mutual, Travelers, Hartford, and Unitrin. Placement included workers’ compensation, general and umbrella liability, bonds, and business automobile covers. More and more clients are choosing [...]
Child only Health Insurance
September 8th, 2011If anyone needs to get a child only health insurance policy (in TX), there’s a program through Blue Cross that has a one time per year open enrollment period. The deadline is September 15th to enroll. No agents are involved. Go to http://bcbstx.com/coverage/individual/bluepathway.html to find out more. It’s the only commercial insurance program in Texas [...]
Strange but True Auto Insurance Claim
September 1st, 2011My first year in the insurance business was notable for a number of reasons but this claim has been among the strangest that I have ever experienced. It seems that our customer was taking a shotgun out of his pickup truck and dropped the gun. Either while attempting to catch the gun or upon the [...]
Which Deductible Should I Buy?
July 4th, 2011Low deductibles are great when the claim occurs but rarely are they the best long term decision. O.K. Let’s start this discussion with a trip to Las Vegas. Odds are, if you are reading this, you don’t live in Vegas so a trip is within the sphere of imagination for you. See this decision is [...]
Business owners should buy Workers’ Compensation on themselves
July 1st, 2011Most of the business owners around Lubbock, Texas that I deal with exclude coverage for themselves and other owners on the company’s workers’ compensation policy. It seems that many owners don’t like the idea of getting hurt or don’t believe that an accident will befall (never used “befall” before ) them. Perhaps some of them believe [...]
Protect your business’ pocketbook
June 30th, 2011You’ve just signed for that business loan and you’re ready to get the doors open just as soon as possible. The banker shakes your hand and says “Have your insurance agent add the bank onto your insurance policy”. You say, “I’ll get that done” while thinking…I need to get an insurance policy going soon. A [...]
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