For many Americans, a vehicle is like a second home. When it is involved in an accident or breaks down, the next step towards getting it back on the road is to call a towing company. Although the majority of towing companies are reputable and honest, some may try to scam consumers. From inflated rates to fictitious fees, there are several ways that dishonest companies take advantage of unassuming consumers.
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Modern windshields are made with safety in mind. Over the past several decades, they have evolved and improved. They are now made with stronger but lighter materials. Glass is still the main component, and innovations in recent years have made it even stronger. From entertainment devices to windows, glass is a necessary component for many vehicle features. There are several new trends, and vehicle owners can expect to see more of them in the near future.
Driving safely is no easy feat. If you’re a driver committed to staying alert, avoiding distractions, and following the rules of the road, we’re going to reward you for it.
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Due to the complexity of the insurance industry and the endless sea of terrible insurance advice available online, it can be challenging for insurance customers to determine what is the truth, and what is fiction. Over our years in business, we have heard pretty much everything. So in an effort to shed light on some common misconceptions, we have put together a list of common mistakes plaguing the insurance industry.
Hurricane season in the U.S. starts in June and lasts until the end of November. If you live in a hurricane-prone area, you need to have an emergency plan that has been thought out carefully. Know the evacuation routes available to you before there is an official 'Hurricane Watch' or 'Hurricane Warning' broadcast over the radio or television, and keep alert to the updates for your region.
Umbrella policies provide extra protection beyond standard coverage, and they are available in increments of millions. Most insurance companies offer these policies starting at $1 million and going up as high as $10 million.
Most people who buy umbrella policies pick a standard $1 million policy, but there are quite a few who choose policies totaling $2 million. For the first $1 million, the premium can be as high as $250 per year.
It is important for homeowners to know how high winds work to better protect their homes. Wind can affect a home in four ways. The first way it affects a home is by uplift. When wind travels over the roof, it creates a lifting effect. Another way is racking, which means that wind creates pressure horizontally that can cause a home to tilt. Overturning is another way that wind affects a home. This happens when the home is not able to slide or rack. In some cases, this may result in a home's walls rotating off of the foundation. Sliding is the fourth way that wind affects homes. When wind creates horizontal pressure, it may cause the home to slide off of the foundation.
While auto and homeowner’s insurance may cover some instances of loss or liability for boats, trailers and sport vehicles, many don’t. And those policies that do offer coverage usually come with large deductibles and inadequate loss limits.
Year in and year out, water and leak damage is among the top causes of claims against homeowners' insurance policies, according to the Insurance Information Institute. Nearly 2 percent of homeowners file a water-damage-related claim every year with their homeowners insurance companies, making water damage the 2nd most common claims-generating occurrence in the industry, behind only wind and hail damage.