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UBER Driving
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Tree Trimming
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UBER Driving

UBER Driving, am I covered?

The simple answer, NO!
Even if your insurance company has an endorsement for UBER driving allowance, there is no coverage while using your vehicle in a commercial manor.

Your personal auto policy excludes any commercial use of your vehicle.  Some examples of commercial use? including but not limited to;
Uber, LYFT
Pizza or Newspaper delivery
Car pool for hire, driving passengers for a fee, including school children, doctor visits. If no fee or consideration exists there may be coverage.

Tree Trimming

Why do you need to keep trees trimmed and healthy?
This is a regular part of home maintenance that can make a big difference in not only the appearance of your home but also the safety and avoidance of future problems.

Yesterday, I had my long time customer, http://grossepointetreeservice.com,  inspect and trim the trees on my property.  

I knew this was important to the upkeep and insurability of my home.  I asked the owner Tom for a list of reasonsWHYI should keep trees trim and healthy.

Quote form link now at DDI

DDI now has a link to fill in your request for a quote,

Just go to the products page.

Thanks for visiting.

Business Insurance

 
Why you should review your Insurance.
 
There are many good reasons to do a thorough insurancereview every year.
 
This is an ever changing marketplace, we move, expand,offer new products or services, hire employees.
 
Insurance coverages, your needs and company appetiteschange too. New endorsements and product offerings are happening all the time.
 
Do you have the most up-to-date, and comprehensivecoverage being offered?
 
Inflation, business expenses, Reconstruction costs aresome factors that affect the amount and type of coverage you need.

Collectibles

Christmas is a great time to think about traditions, family, and those we love.
Many of us have Christmas collectibles, Family Heirlooms and the like that are priceless to us.
Have you thought about whether these are covered on your homeowners Insurance.
I remember a sweet lady to went to add to her precious moments Christmas ornaments and found out her personal collection was worth almost $100,000.  She just liked the ornaments.
These and many things in your home need extra coverages to adequately protect them.

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.

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.
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