September 13, 2017 , Insurance Topics
The reality is insurance companies don’t act like their commercials
Businesses must make a profit in order to keep going, this we know. This model makes sense for, let's say, a restaurant that doesn't serve customers delicious food in a timely way, so it goes out of business. For insurance companies, though, it'...
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August 24, 2017 , Insurance Topics
What is umbrella insurance?
People buy insurance for the peace of mind that comes from protecting your family and assets. I want to tell you about a type of insurance that adds an extra layer of protection over and above another insurance policy - aptly named "umbrella insuranc...
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August 7, 2017 , Insurance Topics
I’m a safe driver. Do I really need to buy insurance? The answer is yes.
There are a lot of things we can go without. The latest and greatest fill-in-the-blank might very well be one of them, along with that unused gym membership are a couple examples of useless things we waste money on. Car insurance is not one of those ...
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August 7, 2017 , Insurance Topics
So you’ve bought an auto insurance policy. How do you read this thing?
It's not always a straightforward read. Okay, it's actually quite boring and confusing, full of legalese and jargon. This makes some degree of sense, however, since insurers are legally required to cover the bills when accidents happen. They want to ...
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August 7, 2017 , Insurance Topics
Basics of auto insurance policies that every Bellingham driver should know
Consider this post a take on the summer beach reads. Okay, not quite a page turner, but if you are a driver, then this is information you should know. All drivers must have insurance - it is Washington state law - so if you're paying for it anyway, y...
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April 28, 2017 , Insurance Topics
Defensive driving can help reduce insurance rates… and save lives
It's a well proven piece of common sense: defensive driving DOES help reduce your risk of a car accident. Another plus? It can decrease your car insurance rates or eliminate points after a ticket which would cause your rates to rise.
Defensive drivi...
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April 11, 2017 , Insurance Topics
Your insurance policy limits can affect your car accident settlement
It may not seem obvious from all the fine print on your insurance policy that insurers have limits to the amount of money that can be claimed by accident victims. Insurance companies set these limits as the maximum they will pay out to one of their c...
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April 7, 2017 , Insurance Topics
Definitions of common car accident insurance policy acronyms
Acronyms, as annoying as they can be, are also convenient, at least for those who know what they mean. Insurance coverage is full of them. Since everyone has to buy car insurance in order to legally drive, you've probably already seen some of these....
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March 14, 2017 , Bicycle Injuries
, Insurance Topics
, Pedestrian Injury
PIP PIP Hooray! Pedestrians and bicyclists are covered by car insurance policies
Now that spring has finally arrived, pedestrians and bicyclists start coming out of winter's hibernation. Since we all share the roads together, this brings autos into close range of Hammies who aren't surrounded by a cozy plastic and metal cage.
...
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March 7, 2017 , Insurance Topics
Why winning that giant settlement from the insurance company might hurt you
Winning a big settlement on your insurance claim might bring on problems you would never imagine. Studies show about 70% of those experiencing sudden wealth actually end up broke within seven years, according to the National Endowment for Financial E...
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