With more people on the roads during the summer months, it’s even more important to make sure your insurance fully protects your needs. Unfortunately, there are many driver’s on the road who are either uninsured or underinsured for liability coverage by having the state minimum or no insurance at all. This could end up to be extremely costly to you if that person hits you, totalling your car, or even worse, significantly injuring you or your passengers.

Call your insurance agent for a policy review. It could save you thousands of dollars and a lot of pain.

Fires were the most costly claim in 2009 for the Indianapolis 46256 area.  These damages averaged $39,899 per claim. 

Most people just think of homeowner’s insurance as something they have to buy because their mortgage requires it.  Not only is it a requirement if you have a mortgage balance on your home, the insurance coverage you choose determines whether you can afford to stay in your home after a devistating event.

One of the worst things a homeowner can do is purchase an insurance policy because of price along.  The value of your policy should be considered by the benefits you receive relative to the cost of the premium.  Check the claims reputation of your insurance company and always review your policy at least once each year with your agent to make sure that your family’s insurance needs are being met. 

Life changes quickly.  Make sure your policy stays up with those changes.

Enjoy life knowing you’re protected from the unexpected.

Insurance on Rental Cars

The rental-car clerk will offer you a collision-damage waiver (sometimes called a loss-damage waiver), which can cost $10 to $20 per day. The CDW shields you if the rental car is damaged or stolen. But as long as the rental is for personal use and you have collision coverage in your own auto-insurance policy, you’re covered without the CDW (with the same deductibles that apply to your own car).

Your credit-card benefits supplement your auto coverage. Most cards will pick up your deductible, and premium cards offer beefier coverage. Keep in mind that credit-card protection doesn’t include liability. And if you’ve dropped comprehensive or collision coverage on your policy, the rental car will not be covered if it is stolen or damaged in an accident.

Not drugs. Not alcohol. Driver error was the number one cause of fatal car crashes involving 16- and 17-year-old drivers according to a recent study. Limiting the number of passengers and discouraging distractions — like talking on the phone, sending text messages and changing music on the radio or MP3 player — can help keep teen drivers safe. For more tips and resources to help promote safe teen driving in your community, go to allstate.com/teen. Ask me for more resources that can help stop this killer in its tracks. Ask your Allstate agent, here at the Ranek-Spurgeon Group, for more resources that can help stop this killer in its tracks.

What if one day you got sick or injured and couldn’t work?  How long could you go without a paycheck?  Where would you go for help?

If you get hurt or sick and can’t earn your regular paycheck, disability income insurance can pay you a monthly benefit amount.  With it, you can make ends meet until you’re back at work.