Those of us in the insurance business know that most people don’t understand (nor do they want to!) the majority of what’s in their insurance policies. And we can’t blame them! An insurance policy is a legal document, and therefore it reads like one – with terms and jargon that don’t seem to make any sense.  Most people simply rely on their insurance agent to make sure they’ve got the right coverage (another great reason to use an Independent Insurance Agent!)

However, there are some misconceptions we believe are important to clear up. We hear them over and over again, so let’s set the record straight!  Here are the nine most common myths we hear about auto insurance, and the truth behind them:  Read More »

You and your family are going on vacation and you plan on renting a car.   Your 19 year old son will be going with you who, per the rental company’s contract, can not drive the vehicle unless he is 25 years or older.   However during the course of the vacation, without giving it much thought, you ask your son to go to the store to get a couple things for dinner.  On the way back the son is involved in an accident in which he is at fault.    Will your personal auto policy provide liability coverage for damage to the rental car and the other party involved? Read More »