Each state requires you to carry a certain limit of liability on your auto policy. Liability limits in this case is specifically referring to three coverages. They are: Bodily Injury Per Person, Bodily Injury Per Accident and Property Damage Per Occurrence.  Each of these is associated with a dollar amount on your declarations page. The amount listed is the most that the insurance company will pay when you are at fault and cause bodily injury or property damage to another party. So, they are called the liability “limits”. Kentucky Minimum Liability Limits In the state of Kentucky, the min ..read more

The recent pandemic has forced many to adapt and work from home. Any time you make a change to your current living situation you should reach out to your agent. Your agent can help to make sure that you have the right coverage and adequate coverage in place. Your homeowner’s insurance and personal auto policies were originally designed to cover losses that arose from personal use or risk. Many insurance companies have adapted to add coverage to their policies for some business risk. This coverage often has to be added by special request. Typically, homeowner’s insurance policies will offe ..read more

Renting a car for the weekend? So, you’re heading out of town and want to rent. Do you need the rental insurance or not?  There are some key things you need about renting a vehicle and your insurance before you go. Your Auto Policy Coverage Your auto policy is designed to provide the broadest coverage that you have on your policy to the rental vehicle but no more than that. This means that if you have 2 vehicles on your own auto policy and both are liability only, then your policy will only provide liability coverage to the rental car. However, if you have 2 vehicles and one is liabi ..read more

It is a good idea to reach out to your insurance agent any time a major change is happening within your household. Going to college is no exception. Going to college is an exciting time in your child’s life. It can also open the door for some gaps in insurance coverage. Every carrier is different. A conversation with an agent about your specific policy will clue you in on any changes you need to make or prepare for. Typically, the homeowner’s policy will provide up to 10% of the Coverage C listed on your declarations page for your student’s personal property.  This is typically while ..read more

Speeding is one of those things that everyone does at some time or another without giving it much of a thought. Many of us likely get away with it and never receive a speeding ticket. Unfortunately, if caught, it can have some negative impacts on your insurance premium. One way a speeding ticket can affect your insurance is by causing an increase in premium. Speeding activity can stay on your insurance rating history for 3 to 5 years depending on your insurance company’s guidelines. If you were to incur multiple speeding tickets, then, eventually, the frequency and recklessness of speedin ..read more

Insurance policies are only for a set term. They renew every 6 months to a year depending on the type of coverage in place. Each time a policy renews, the consumer receives an updated declarations page.  It seems like every time you turn around you receive a renewal auto declarations page from your insurance company. Our natural tendency can be to open it, read the premium, and then toss it. We agree that the premium is a very important thing to take into consideration and should be reviewed. However, the importance of your auto declarations page doesn’t end there.  Here are 3 compon ..read more

We hear it all the time. Everyone is looking for affordable auto insurance. What does affordable really mean? What is considered affordable is different for everyone. Insurance is not a one size fits all product. There is some flexibility within auto insurance that allows you to make value and cost meet. However, insurance is also a product that you shouldn’t force to fit your budget. Recently, the City of Paducah, Kentucky voted to increase the insurance tax by 1%. While 1 % sounds minor, city residents will see an increase to their upcoming insurance invoices. Increases in cost that are some ..read more

Winter car accidents cause a great number of deaths and serious injury every year. At best, they land you in an inconvenient situation. Western Kentucky already had an early surge of severe winter weather this year resulting in ditches full of vehicles. Sometimes the roads are just impassable and driver’s should just stay home. But it might be that the road and your vehicle aren’t working together well due to your tires. Did you know that having winter tires might reduce some of the accidents that occur each winter? Do You Need Winter Tires?  You know it’s coming. Snow and slush. Freezing ..read more

Steering Clear of Wildlife  West Kentucky roads are full of cars — but often, they’re also full of wildlife. That’s why an estimated 2 million vehicle-animal collisions happen each year in the United States, according to the U.S. Department of Agriculture. Fall and winter constitute the most dangerous periods for these incidents. Visibility is reduced, thanks to the shorter days and inclement weather, and it’s also migration and mating season for many animals. But, you can still take steps to decrease the chances you’ll hit a deer while driving around Paducah, Kentucky this fall. Here are ..read more

Few things get your adrenaline pumping quite like being involved in a car accident. Once the dust has settled and you are able to assess, your mind will be filled with a million questions. So what should you do immediately after a car accident?  Situations vary but there are a few things you can always count on doing. The amount of vehicles involved can also affect the steps you need to take. Working with an independent agency gives you the added value of calling for guidance without immediately opening a new claim. Here’s why this is important. Paying claims is our top priority. We want ..read more