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My Blog

Identity theft

Someone Stole........ME??????
 
Identity theft, credit card theft, What's yours is mine...  And Now Facebook theft? Crazy.
 
I heard people were stealing your image on facebook and creating thier own page and asking your friends to friend them, but until it just happened to a friend of mine, I thought it was just another urbun legend scare.
 
I also never thought identity theft ,credit card theft etc would happen to me. Well it has and not just once either.
 
My credits cards have been used at least three times, twice the credit card company caught it and once I had to catch it on my own.

Hiring a Contractor

Need some Work done on your Home?
 
Make sure your contractor is insured! 
 
Yes that's correct, you have the right, when hiring a contractor to do work on your home or business to ask for a current certificate of liability and work comp insurance.
 
Why??
If a contractor, or their employees, while performing work on your home is injured, you can be held liable and your homeowners or businessowners policy will respond to this injury.
 
Checking to see that they are insured, will

School Dropoff

School Dropoff ?  You may not be covered!
 
Taking my grandson to school this morning I saw a van pull up with a logo that said they were a school shuttle service.
 
Nice service for busy or working parents.
 
With charter schools and school of choice programs, I am sure this is a growing market.
 
The Insurance Agent in me, thought nice, I wonder if they are insured properly?
 
What do I mean? Well many times I find that you either did not tell your agent, the many uses of your vehicles or maybe they didn't ask on know how to advise you.

Does Your Back Hurt?

Does Your Back Hurt?
 
You were involved in a "fender bender" today and you are feeling uncomfortable. Your back hurts a bit and you have a headache.
It will go away Right?
 
I certainly hope that it's just the stress of the accident and you will be fine in the morning. In the meantime, some things you should do;
            1. Include your suspected injury on the police report.
                        no time to be tough, this can get serious

A Homeowners Quote in the Mail

A Quote in the Mail
Many of us (I did!) have received homeowners quotes in the mail that look "to good to be true".
 
If that quote is based on the Market Value or Purchase Price of your home, the better expression would be "Buyer Beware".
 
Why do you need to purchaseReplacement Cost or Reconstruction Coston your dwelling?
 
Let's take a look and see.
 
Rebuilding Is Different Than Buying
The cost to buy a home is different than the cost to rebuild. So you can’t rely on your home’s market value to set your insurance limits.

Why do I need Replacement Cost on Contents?

Actual Cash Value
Actual cash value is the replacement cost of repairing or replacing an item, minus depreciation and/or wear and tear.
 
Let's say your refrigerator is 7 years old .The average life expectancy is 14 years old,(sourcehttp://www.mrappliance.com/expert/life-guide/)
 
So your refrigerator has depreciated at least 50% (often more).
 
If you had a claim on that appliance it could go like this;
Side by side refrigerator with ice maker   cost new                   $ 1,500.

Why do i need HIGHER Liability Limts on my Auto Policy?

Why do I need higher limits of liability?
Isn't Michigan a"no fault"State?
It sure is, and it is the truest form of no fault and best coverage you can get!

But"no fault"protects you and your family if you are injured in an auto accident... or any accident involving a motor vehicle. Your work loss is covered up to 3 years and your medical bills, pertaining to the accident for life.

Yourliability limts, on the other hand, protect you if you are sued by the other party.

If the other party has lifelong, or life changing injuries, regardless of who was at fault, they can sue you.
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