Auto Insurance. You may think of it as a paper stuffed in your glove box that allows you to legally drive in the U.S. That hard copy, though, is actually the contract you made for an exchange of money for coverage. When you purchase car insurance, you are buying security. If damage occurs to your property, health, or others during a collision, theft or natural cause, you have monetary stability because of your auto insurance policy. Or, do you?
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Hopefully the insurance papers cluttering up your desk are not the only copies. Staying organized and protecting your insurance information is a necessity. Many circumstances require insurance information to be easily accessible at a moment’s notice; natural disasters such as floods, fires, etc. can damage paperwork and affect your claim.
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Regardless of your feelings, the ACA that was passed in March of 2010 is here.
In 2014, every American is required to have health insurance or pay a penalty to the IRS. The enrollment period for a January 1st, 2014 effective date starts October 1st, 2013 and runs until the middle of December.
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Buying insurance in Lubbock is quite a shock for many who move here from other parts of the country. They can’t believe that home insurance can cost so much. When I moved to Lubbock over 30 years ago, the cost of my home insurance doubled while the amount of coverage decreased 25%.
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Hail and tornadoes continue to make the news. The April 3, 2012 tornadoes that hit the Dallas-Fort Worth area allowed us to view the mighty power that a EF1 or EF2 storm packs. The pictures of swirling Schneider trailers being tossed about like toys is etched into the minds of many of us. Just imagine what would have happened if the storm were an EF4 or stronger! Yikes.
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Some dog breeds would become extinct if insurance company underwriters had their druthers. (I love that word.) Here’s why:
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A 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. In fact, she (Linda) had coverage through our agency as well!
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Are 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.
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Hettler Insurance is excited to announce that in August, 3 contracting companies with total sales approximating $7,000,000 were added to their client list.
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