INSURANCE BLOG

Your damaged car looks repairable, but instead, the insurance company has informed you that it will pay you the — value of the car before the accident and keep your car as salvage. Maybe that’s what you wanted, or maybe not. You — should know that the insurer is obligated to pay only the lesser of…

The Insurance Institute for Highway Safety reports teens have the highest crash rate of any group in the U.S. Also, young licensed drivers, ages 16 to 24, account for the highest fatality rates. — Alarmed by the high number of serious teen-driver accidents, our agency urges you to help your teen…

The Federal Trade Commission estimates millions of Americans have their identities stolen every year. Identity theft occurs when an unauthorized person uses your personal identifying information, such as your name, Social Security number, credit-card number or financial account information, without…

What is a certificate of insurance? — A certificate of insurance is any document that summarizes the terms, conditions and duration of an insurance contract, but it is not the contract itself. The certificate shows what type of insurance is in place at the time it is requested. It does not tell you…

On Sept. 16, 1997, the Volunteer Protection Act of 1997 became effective. Concerned that volunteers have been deterred from offering their services to nonprofit organizations because of liability concerns, Congress went to work to enact a law that would limit volunteer liability. This federal law…

What do I do at the scene of the accident? — If you’re involved in a motor vehicle accident, the first thing you should do is contact the police. If anyone is injured, give details to the police, then give the victims whatever help you can. To avoid injuring them further, try not to move them. If…