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Accident claims are no longer stigmatized. People make claims because they feel that they were put in a dangerous or hazardous situation by the negligence of another person. It is important to highlight the breach of duty and ignorance of the person responsible in order to rectify the situation and to reduce the chance that another person […]

1. IntroBefore I begin to discuss this month’s insurance topic I want to highlight a little irony that occurred at the end last month. After writing an article on what to do in case of a winter auto crash, I found myself sliding on the ice and heading slowly toward another car at an intersection. I was going […]

It’s important to be familiar with the terminology in order to navigate the maze of options for insurance. Annuity- An insurance product that provides lifelong benefits. Appraisal- To determine the value of a property (in order to insure for loss).Claim- Documented demand for benefits as set forth in the insurance policyCo-pay – A fee that […]

Loss Recovery and Changes in Building Code You’re likely to have suffered severe property damage and large losses after a natural disaster. The “aftershock” of a natural disaster is often the increased costs of rebuilding according to the most recent building codes. Unless you have purchased an Endorsement for your policy, which is called either: “Increased […]

Many people consider insurance to be an expense, but others see it as an investment. So which is it? Is insurance an expense or an investment? The answer depends on a variety of factors such as the type of policy you have, how much coverage you’re seeking, and the overall cost of your policy. In […]

With tax season upon us, it’s important to know what you can and cannot deduct from your taxes. While most of us are familiar with the standard deductions such as mortgage interest or charitable donations, there are some other deductions that many people don’t know about. One of these is life insurance. So, can life […]

Car insurance is one of those bills we’d all like to forget about. After all, who wants to pay for something they hope never to use? However, if you ever find yourself in an accident, your car insurance can be a life saver – literally and figuratively. That’s why it’s important to know what documents […]

Driving is an everyday part of your daily life. You may not think about the logistics involved in keeping a car on the roads. It is important to understand and follow your state’s insurance laws. In West Virginia, drivers must maintain mandatory insurance limits to operate a vehicle. The mandatory insurance limits in West Virginia are intended to […]

It’s possible that you have income protection insurance (also known as permanent insurance) if you are a dentist. You may even have claimed on your policy. Many of the top insurers have released their claim statistics over the past few years for income protection and critical illness coverage. This information is extremely useful as it provides insight […]

For most small businesses, Development Wrap Insurance is an essential part of their operations. It provides financial protection for unforeseen events that could cause a project to be delayed or even completely stopped. This type of insurance covers a wide range of risks such as damage to property, equipment failure, and liability claims. But how […]