River Valley Insurance Agency Inc Blog
Heavy traffic is normal during the holiday season. During this time, many people are out to spend time with family and friends. Long drives in heavy traffic usually results in fatigue which leads to accidents on the road. To keep your family safe, you have to practice defensive driving and protect yourself from unforeseen events. Here are some useful guidelines that you can start with.
With auto repair services going up every year, it’s only natural for car owners to want to do more repairs themselves. Although there are easy do-it-yourself tutorials on YouTube about different car maintenance and repairs, these are useless without the right tools. If you are serious about getting your car fixed at home and saving money overtime, you need invest in tools.
Maintaining a car can be a hassle. However, since everything has a “How To” now in Youtube, as long as you have a few simple tools on hand you may be able to do a lot more to fix your car than you think. You can save a few hundred bucks and a trip to the car repair shop. Here are 5 common tools to help you with basic repair:
Auto repairs are costly. In most cases though, the cost of labor is what makes these repairs more expensive. But do not worry, you can do some basic car maintenance on your own even if you are not an expert mechanic.
Having a teenager driver around the house can be nerve-wracking for parents or guardians. According to surveys, teenage drivers are more prone to get into accidents compared to their adult counterparts. This is why car insurance is important, however, you can also make sure that your child is protected through insurance coverage.
Of course your car needs a battery for it to run, but do you know how to maintain it?
The battery produces electrical energy used to ignite the engine and start the motor. Minor car problems are often due to battery problems. These happen because owners don’t know how to maintain or recognize such issues.
I've been thinking about the truth lately. For some reason people lie to me a lot. They may not do so intentially or becuase they dont like me....I am an insurance agent.
"I don't need to tell my agent that I have a 16 year old driver, my rates will go up" This is probably the most common lie, or ommission, that I encounter. Yes, your rates will go up but let me tell you why you must disclosure this driver (or any driver of your auto). Our auto product is the state of Michigan is based on a multitude of factors. The most basic being the type of car you drive, your age and your driving record. Each of these factors are plugged into a formula to give you a rate. But when those factors are missing, that rate is not accurate. That rate cannot support the claims we encounter. That rate is just numbers. So what happens with a claim? If that driver is not disclosed your claim can be denied. No, this isn't a scare tactic, I've seen it happen. Claims are denied for "ommissions" every day. Do you want to pay that rate to NOT get coverage?
What about on your home? The same ommissions can happen here too. The most common I see is that the home is not insured for the actual use. In other words; you have a homeowners policy when in actuallity you rent it out. That needs to have a different policy. You are literally throwing your money away.
So I urge you; talk to a professional about your exposures. Even if that may cost you more money. We pay for insurance to have coverage, right? So why jeopardize that with an "ommission".