Insurance deductibles are something our agents mention quite often. You most likely have heard of this term, know what it means, but are confused about how the amount of your deductible impacts your insurance.
Ouch! You’re driving along when all of the sudden you encounter a huge bump in the road. Hitting a pothole is never fun. When water freezes, pavement expands, causing potholes to appear left and right when temperatures are below freezing.
Shopping around for auto insurance? If so, making contact with an independent auto agent can be a great resource in finding a comprehensive policy at an affordable price. Working with an independent agency means that they represent multiple companies and do not have a bias towards any particular carrier. They are a confidential informant and can aid in making one of the most difficult decisions a motorist is faced with.
In 2015 alone, distracted driving accounted for 391,000 injuries and 3,477 deaths. Per day, approximately 660,000 people use their cell phones while driving.
These staggering numbers signify an epidemic where more and more people are driving impaired or on “autopilot,” instead of being alert and attentive.
As a delivery driver, your mission is simple—deliver the food while it’s hot, and do it fast. Drivers who are trying to earn a big tip may not always be the safest drivers, which creates liability concerns for the business owner. Driver-sales jobs, including pizza delivery, are categorized among the most dangerous in the country; ranked 5th in the list of the top 10 most dangerous occupations in a U.S. Bureau of Labor Statistics Report. Getting the right food delivery coverage in place by contacting our agents will protect you financially in case an employee of yours happens to be involved in an accident. [Read more…]
According to a study by the Insurance Information Institute, 1 in 8 drivers on the road are uninsured. When you do the math, that’s a huge number! Why does it seem like more and more drivers on the road are deciding to forego car insurance? Today, H&K Insurance is going to look at why people drive uninsured and why these reasons might be short-sighted and might even be based on incorrect information. [Read more…]
Recently, we covered how damaging a flood can be. In this article, we are going to look at how specifically it can damage your car. You probably don’t think of water as a leading threat to your car, but it can actually wreak a shocking amount of havoc in your car. Rain can get inside your car causing damages to upholstery or leather or the electronic parts of a car. A flood could cause damage to the engine resulting in serious problems needing a mechanic. Here are the ways water can damage your car and how insurance interacts with them.
When it comes to car design, everyone seems to be expected to spring forth from birth as fully formed adults. While many drivers take that for granted, for a lucky some of us our most precious passengers don’t fit into this car design’s dream of what a passenger should be. Babies, children, and pets: while all of us try to be perfect drivers when these beloved people are in our car, it’s important to keep them safe by having right equipment, using it properly, and teaching them how to follow the rules to keep themselves safe. [Read more…]
When talking to an insurance agent or provider, you may have heard the term “major life changes”. These are times in your life where there are dramatic changes to your life that change not only yourself and others, but also your statistically probability of risk. When these things happen in your life, you need to inform your insurer (or you could be committing insurance fraud). This is a great time to check with your current provider on how these life changes change auto insurance for you, and also might be a good time to look around at other insurance options. Below are four of the most common changes that will affect your auto insurance. [Read more…]