What Happens When Insurance Totals Your Car

Wondering what happens when insurance totals your car? If your insurance provider determines your car is totaled, you are then offered the actual cash value of your insured vehicle. This means your insurance provider will pay you the replacement cost minus your car’s depreciation unless you enroll in new car replacement insurance. What happens next […]

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What is Accident Forgiveness?

Accidents can happen and when it comes to driving, they’re often unavoidable. However, when you’re at fault, things can get a bit more complicated and worse…more expensive. On top of being financially responsible for a car accident, your insurance rate will also increase upon your next renewal.  To keep from your auto insurance rates skyrocketing, […]

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What is The Difference Between Open Perils and Named Perils?

When you purchase homeowners insurance, it’s imperative to fully understand your policy and what coverages you do and don’t have. Should an unfortunate event happen, it’s important to know what your insurance company will help cover and what’s deemed your responsibility. Homeowners policies are not one-size-fits-all and each policy is carefully curated to each homeowner’s […]

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