The relationship between an insurance agent and a client is a two-way street. When we talk with clients trying to determine if they want us to handle their insurance program, we are interviewing them as well. In my humble opinion, too many clients think insurance agents want to write every piece of business available and that we should be thankful for every call regardless of how last minute it is. The truth is professional agents who conduct business wisely are as selective about their clients as the clients are about them.
We, as agents, understand the importance of insurance because we have seen the terrible results of not being protected. As they say, “you can’t make this stuff up!” I don’t have to make up stories. I get stories every day in my agency. Accidents happen and change lives forever. What makes the conversation about coverage and premium difficult for insurance agents is that the difference between good coverage and bad coverage is usually only a few dollars. Seeing people make bad decisions due to an extra $20 a month is tough. As my good friend, Tammy White, says,“ Penny wise, pound foolish.” Continue reading →
Clients always surprise me with their responses to questions concerning their insurance limits. Most of the time they make me smile, but sometimes they make me very sad. I’ve actually had people tell me they don’t need high limits on auto insurance because they are safe drivers, or they don’t have accidents. Really?? Have you ever said that or perhaps thought it? Can you predict the future? If so, I’ll take you on the next flight to Vegas with those crystal ball skills!
The definition of accident is, “an unfortunate incident that happens unexpectedly and unintentionally, typically resulting in damage or injury.” To be more specific, the legal definition of accident is, “in general, an unplanned, unexpected, and undesigned (not purposefully caused) event which occurs suddenly and causes (1) injury or loss, (2) a decrease in value of the resources, or (3) an increase in liabilities.” Accidents are unplanned or they would not be accidents. Continue reading →
I must admit, when I bought my first home in 1985, I was so naïve. Growing up on a small farm with livestock, we were fairly self-sufficient. My dad made sure we knew how to handle many things around the farm, but there was still plenty I did not know. I remember when I got my first car, (a 1967 Toyota Corolla given to me by an aunt and uncle) my dad made me change all four tires, so I would know how to change a tire and not need to depend on anyone else. Roadside assistance – no way! And God knows we couldn’t afford it even if it had been available. I wish everyone ascribed to my dad’s idea of preparedness when it comes to owning a home. I’ve created a list of things YOU need to know about your home.
A client called me around 10:00 pm one night in October of 2018 exclaiming, “My toilet is overflowing.” When I asked if she had turned the water off, her answer was, “I don’t know where the cut-off valve is. My neighbor is trying to find it!” What a horrible time to try to locate the water control—it’s dark and gallons of water are flooding your home. Continue reading →
I’ve been very fortunate in my 50+ years to travel a LOT! Lucky me, a small-town (population 500 with one caution light, but that’s another story!) Georgia girl has seen most of the US and much of Europe. Being out of town this week at two different conference made me think about traveling tips, travel safety, and travel insurance.
Do you overpack or are you more organized than me? I’m getting better with practice, but sometimes it’s still a struggle. I’m sharing some tips to help with packing that I find very helpful. Continue reading →
I can’t tell you the number of times I see clients make bad decisions about coverage options, but I have to respect that it is their decision. All I can do as your insurance agent is educate and give my professional opinion. Don’t I wish I could make decisions for our clients to properly protect them. If you don’t choose the coverage we suggest, we require you to sign a declination of coverage, and then we pray you don’t have a claim. I could tell hundreds of stories from my 20+ years in the business, but I’ll limit it to five stories to show you what I mean. Continue reading →
For the majority of people, purchasing a home is the biggest single investment of their lives. To protect their home and its valuable contents, they purchase a homeowners insurance policy. When buying a homeowners policy, most people think “everything” in their home is covered by their policy, and when I say everything, I mean everything. I know I did before I became a licensed insurance professional. Many times I have talked with clients who got several quotes for homeowners insurance coverage, but when I ask them what type of coverage they were quoted, they have no idea. The agents who quoted them did not even explain the coverage to them. It is difficult to believe someone would choose an insurance agent who only gives price as a solution.
After a homeowner chooses their homeowners insurance policy, they sign what is commonly called an insurance application. These applications are actually legal contracts and will determine coverage should a coverage question ever arise. Once these insurance contracts are signed, the homeowner receives a multi-page bound policy document filled with language enumerating the conditions of the insurance agreement. The first few pages of this new insurance policy includes a “Declaration of Coverage.”
I must admit, I was completely ignorant about insurance before I entered the insurance profession. Even though I had a Master’s degree and felt like I was pretty savvy, I was driving around with state minimum limits. I simply did not know any better, and unfortunately for me, I had not found an insurance agent who cared enough to explain coverages to me. Now that I am in the profession, I find the myths that I hear daily quite humorous. As an educator, I find it troubling to see such an uninformed population when it comes to insurance. There are plenty of opinions out there, but the trick is deciphering the myths and getting to the truth. When buying an auto policy, you need to know what specific coverages mean and how they affect you. Let us help you separate myths from facts about auto insurance. Here are seven myths I frequently hear that are false. I’m hoping, “If you know better, you will do better.” Continue reading →
Americans have been in love with their cars for years. The number of vehicles on the road is very high and many auto accidents occur in the U.S. Data from the National Safety Council estimates that about 10 million car accidents occur every year in the U.S. These auto accidents range from parking lot incidences to multi-car pileups. With the holidays approaching and gas prices low, more vehicles will be on the road and more accidents will occur.
Motor vehicles accidents aren’t cheap for the U.S. population. It is estimated that more than 4.5 million people are injured in auto accidents per year with approximately 2 million drivers in car accidents experiencing permanent injuries. These permanent injuries mean life-changing accidents occurred. Continue reading →
I love Thanksgiving! It’s probably my favorite Holiday because it is so much about family without all the pressure of Christmas gift selections. I remember getting up early and helping prepare Thanksgiving dinner for the family while watching the Macy’s parade. Thanksgiving is a time for visiting family, sharing meals, and enjoying loved ones, but it’s also a prime time for cooking fires, traffic accidents, and other safety problems. With Turkey Day mere days away, let’s talk about things to consider for cooking, traveling, and taking care of the fur babies. Continue reading →
If I asked the average person on the street what liability limit they carry on their homeowners policy, I would bet 95% could not tell me. Liability is such important coverage, but the non-insurance person generally doesn’t see the significance of this coverage. Unfortunately, many individuals do not see the importance until something bad happens. And once something bad happens, it is too late. Liability means you are responsible for damage that has been done or damage that you have been accused of doing to another person. You don’t have to be guilty of this negligence to be sued by a person. If you are accused, who is going to defend you? Continue reading →