Subrogation is a common term in the insurance industry but not a common one outside of it. So what is subrogation? Subrogation is a legal right the insurance company holds to pursue a third-party responsible for the damages caused to…
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Our office had a couple of interesting conversations regarding digging up yards recently. In one instance, the husband of one of our account managers started to dig up someone’s yard to help them replace sewer lines. To his surprise, when…
There are a few homeowner insurance coverages that almost everybody has but very few think about. Personal liability is one of those coverages and even lower on the totem pole is medical payments coverage. However, that doesn’t mean it isn’t…
Winter storms often bring a rash of auto claims. Winter driving can be dangerous, so it is essential to stay alert and be smart. Let’s talk about winter driving safety tips, and steps to simplify the claims process should you be…
I’m pretty sure not too many people have asked themselves that question, but I have because I’ve been in the insurance industry for (obviously) too long. But, not only that, but what kind of insurance would Santa need, and for…
With all the deer roaming around this time of year, it can be dangerous for people traveling on the road (see our recent blog post Oh Deer! Drive Defensively this Season). We also know that ice and snow are coming soon (if it…
Many personal insurance policies provide liability coverage to protect you if you are sued as a result of an injury for which you are responsible, whether it is bodily injury or personal injury. We all know that lawsuits can stem…
If you’ve watched any college football over the past several years, you’ve probably seen multiple commercials from a certain insurance company that likes to show an imaginary college professor walking an individual through a building containing exhibit…
For those of us in the insurance industry, after a certain period of time, various lines of business, their abbreviations and the specific coverages provided by those lines become embedded into our brains. This occurs to the point where we…
The storm has passed and the immediate danger is over. Now it’s time to survey the damage and decide on the best course of action. Here are some steps to mitigate further damage and get started with repairs. First, walk around…