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Blog

Aug 23 2022

Don’t Forget How Deductibles Work

Insurance deductibles are intended to keep the cost of insurance low by eliminating very small claims and the cost of dealing with them. Deductibles apply to many different types of insurance but are most common on property and casualty insurance policies. Health insurance also has deductibles, and life insurance policies never have them. Most people encounter their first deductible when they buy auto insurance and have to choose the deductible amount for full coverage insurance when they finance a new or used car purchase.

Deductibles Only Apply to Policyholder’s Loss Claims

When involved in an accident at which you are at fault and needing to file an insurance claim to care for the other person’s vehicle, as might happen if driving a 4×4 and knocking over a costly sportdeductibles bike parked on a lot, any deductible only would apply to the vehicle for which the auto insurance policy is drawn up. Any claims for repairing the motorcycle in this instance would not require a deductible. The deductible only applies to the insured vehicle and is intended to prevent the owner from filing minor claims for small things like having a flat tire. Deductibles also reduce the number of potential lawsuits over very small matters, and that helps to keep the price of insurance policies lower.

Deductibles Amounts Are Adjustable

People who want to reduce the cost of their auto, home or other insurance can do so by increasing the deductible amount. In most cases, deductibles can range from zero to $1,000. Some larger deductibles are available from some insurers, but most financed vehicles and common sense require deductibles of no more than $1,000 on autos. Most people have a deductible of $500, which is a relatively affordable amount for most working people to come up with in the event of an accident and needing to replace a vehicle. If the vehicle is totaled, the insurer will write a check up to policy limits minus the deductible. If repairs are needed, the insurer will pay up to policy limits minus the deductible. That means the policy holder will need to pay the deductible amount when insured repairs are done.

How much is the deductible you carry on your vehicles?

Originally posted 2014-06-05 00:21:03.

Written by Makeli Scholer · Categorized: Blog

Aug 16 2022

Worth taking the AARP Driver Safety course? If you live in Nevada: Yes.

If you are over 55 years old, chances are you’ve heard of an AARP classroom course you can take to lower your car insurance premiums.  If you live in Nevada, you should really consider taking the course for a few reasons.

Shortened classroom time- The first big advantage to taking the AARP course in Nevada is we are one of only a handful of states where the DMV has worked closely with AARP to encourage 55+ drivers to take the course.  One complaint they were hearing from many attendees is the standard time the course takes is 8 hours, taking up your whole day.  Nevada worked with AARP to create a shorter 4-hour course, half the time required for most other states.  I took the course myself and the format is surprisingly fun and passes the time quickly.

Nevada Insurance Companies required to give discount-  This was interesting to me to learn that in most states while insurance companies may offer a discount for taking the course, they are not bound by law to do so.  Nevada insurance law requires companies to provide a discount.  From what I’ve seen with our own companies, the discount is usually between 5 – 10%, which can definitely help with your insurance payments.

Best Place in town to take the course-  Here at AMS, we volunteer to host courses here in our office the first Wednesday of each month.  The cost is $14 per person and $12 if you are an AARP member, all of which goes back to AARP.  I am proud that the Nevada director for driver safety courses came to our last class and mentioned that it is by far the best venue she has been to for taking the course.  We limit the number of attendees to 10 to encourage participation.  It is also held in our conference room overlooking Lone Mountain to hopefully provide a comfortable and relaxing setting.  And last but not least, we bring Dee’s Donuts!  If you’ve never had one, then what better reason is there to come?

To RSVP for our next class or if you have any questions at all, you can call me at 702-965-3685.

Originally posted 2012-09-22 00:14:55.

Written by Makeli Scholer · Categorized: Blog

Aug 09 2022

Who is This Girl in Progressive Insurance TV Commercials?

Stephanie CourtneyFictional sales woman Flo in Progressive Insurance commercials became recognizable character in United States. Many people find it pretty funny, others find her annoying and even created groups on Facebook called Progressive Insurance Commercials Aggravate Me, FLO MUST DIE!!!, or I hate Flo!!! As for me, I like the way actress acts and behaves as an advertising character. For some people it is not enough to watch the commercial on TV and they go on YouTube where each clip with Flo received about 20,000 – 50,000 views.

Google keyword suggestion tool shows that people search information about Progressive Insurance ad campaign as well. According Google many people searched typing:

  • progressive insurance girl
  • who is the girl in the progressive insurance commercials?
  • who is the chick in the progressive commercials
  • annoying progressive insurance commercial
    …and more.

So, who is this funny, wired, crazy girl?

Okay, the women in the Progressive Insurance commercials is an actress and comedian Stephanie Courtney. Her little wired and enthusiastic behavior turned into something like business card or sales pitch for Progressive Insurance. Appearance in Progressive commercials is her biggest but she also appeared in movies like The Heartbreak Kid and Blades of Glory.

Originally posted 2009-09-02 15:16:20.

Written by Makeli Scholer · Categorized: Blog

Jul 05 2022

Don’t Overlook Homeowners Insurance Riders

Most homeowners insurance policies do not give homes the full protection they need from various perils. While all homeowners insurance policies provide coverage for losses caused by fires, lightning, internal flooding and other possible perils, many other perils often times are not covered. A basic homeowners insurance policy only provides coverage for 11 standard perils with only limited protection for personal belongings. But homes in many areas of Nevada as well as other states can have more common localized perils. Kansas is famous for its windstorms, New Orleans for its catastrophic flood vulnerability and California for its earthquakes, for example. That means many homeowners will need specialized coverage for their homes and valuables.

Named-Perils and Open-Perils Policies

Homeowners insurance policies generally protect homes based on one of two means. The most common is a named-2014071709381045165363perils policy that specifically lists those potential hazards for which the policyholder will be indemnified. They include internal flooding, fire, lightning, power outages, vandalism, theft, falling objects and other common perils. Some homeowners insurance policies will name much more than 11 perils, and anything other than those perils that specifically are listed will not be covered. An open perils policy is different. With an open perils policy, only those perils that are excluded are listed, such as earthquakes, external flooding and other threats that are not insured against.

Commonly Excluded Perils that Nevadans Might Need

External flooding is one of the most common exclusions from coverage and requires either a separate flood insurance policy or a special rider to additional flood insurance protection. Earthquake insurance is another peril that most policies exclude but that could come in handy for Nevada residents. Nevada is among the nation’s most active states for seismic activity, but not nearly to the extent of nearby California. But homeowners might benefit from buying an earthquake insurance rider to protect against potential foundations cracking, damaged walls and other possible defects caused by Earth tremors. Flash flooding also is a common peril for which additional insurance coverage can be bought through the National Flood Insurance Program.

Does your home have any additional insurance riders protecting it?

Originally posted 2014-07-08 18:47:05.

Written by Makeli Scholer · Categorized: Blog

Jun 28 2022

Carry Insurance Even Without a Car

With people’s incomes often times fluctuating and car insurance rates rising every year, it is important to take the right steps to ensure auto insurance rates are as low as possible. Those who don’t have a car but still drive from time to time and who eventually want to buy a car need to maintain liability insurance for themselves. If they don’t, they will be stuck paying high-risk rates for their auto insurance for at least the first six months they own it, and that greatly increases the cost of owning a vehicle.

Auto Insurers Require Continuous Coverage

img-resizeWhen going without a car for a period of time and not having any kind of auto insurance coverage, auto insurers will hold that
against people when they start to drive their own vehicles. A simple solution is to have a relative or friend carry someone as a named insured on their auto insurance policy for liability coverage only when possible. That gives the individual a recent history of being insured and won’t cause auto insurers to make them pay for high-risk car insurance. Individuals also can buy open auto liability insurance to any vehicle they might be driving for low rates and help to ensure they won’t have to pay high-risk rates for up to a year when they get their next vehicle.

Motorcycle Insurance Does Not Count

Motorcycles can be fully licensed, insured and ridden regularly, but if the owner of the motorcycle does not also have at least liability auto insurance, the motorcycle insurance will not count as maintaining auto insurance. Because motorcycles generally pose a greater risk to motorcycle riders than other vehicles or property, insurers want to see auto insurance coverage in place to help ensure no accidents or other driving mishaps have occurred involving the potential driver and policyholder. So if only riding a motorcycle, it is wise to also carry minimal levels of auto liability insurance.

Are you looking to buy a car but don’t have current auto insurance coverage?

Originally posted 2014-08-01 21:08:41.

Written by Makeli Scholer · Categorized: Blog

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