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Family Feud-The Insurance Addition:
100 people surveyed
Reasons people overpay for Home & Auto Insurance:
The #1 Answer:Â I Don’t Know
The #2 Answer: Unwilling to talk to an Insurance Agents
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Maybe it’s time to experience TruePoint’s Customer Service. Visit our site at www.insuringky.com for an instant online home, auto or home & auto package quote. Instant insurance quotes in real-time, 24/7 without an agent.
Our customer focused approach puts you in the drivers seat. In addition to instant online quotes, our clients have online access to all of their important personal insurance documents. Stop worrying about getting pulled over by police with an expired certificate of insurance. As long as you have a cell phone you can deliver acceptable proof of insurance any time night or day. Maybe you have water standing in your basement. You want to check your insurance policy but it has been ruined by the water. Don’t go all weekend worrying if you have water backup coverage, visit the TruePoint Customer Portal to access the information that you need. TruePoint provides full service insurance and risk management assistance to individuals and businesses in Kentkucky, Southern Indiana, the South Carolina Low Country and Coastal Georgia.
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Residents in Kentucky and Indiana should call:Â Â Â (502) 410-5089
Residnets in Georgia or South Carolina shouild call:Â Â Â (912) 330-1265
or visit our website at www.insuringky.com
or visit our website at www.insuringky.com
Fake Insurance
One of the most important actions a person can take to protect against the loss of property is to buy insurance. It involves taking time to find what type of coverage is needed, how much coverage is necessary, what insurer to deal with and whether one can afford adequate protection. Unfortunately, insurance consumers have a serious, additional concern….whether the insurance offered is legitimate.
Insurance consumers are frequently being lured into buying policies that turn out to be fakes. The counterfeit coverage is typically for auto and home
coverage and the practice is particularly concentrated in areas that have suffered catastrophes. Fake insurance is also being offered in areas where legitimate insurance has traditionally been expensive.
Sadly, the coverage is often discovered as fake after a loss has occurred and there’s been an attempt to file a claim. In such instances, a duped consumer has not only lost the money paid in “premiums,” they now face an uncovered loss.
If you are searching for insurance, it is important that you do so carefully in order to make sure that your purchase is made from a reputable source. The most prudent action is to ask questions and avoid any situation that raises suspicion. Signs that an opportunity is fraudulent include the following:
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- Insurance premiums that are much lower than what is typically offered
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- Companies that downplay any requirements about eligibility for coverage
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- Sources that attempt high-pressure to hurry you into making a decision
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- “Insurers’ that ask for cash (either down payments or full payments)
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- Lack of information about their coverage
- Applications that include requests for unnecessary financial or personal information
Your best protection against a high-risk scam is to seek out a qualified insurance professional.
COPYRIGHT: Insurance Publishing Plus, Inc.2017 All rights reserved. Production or distribution, whether in whole or in part, in any form of media or language; and no matter what country, state or territory, is expressly forbidden without written consent of Insurance Publishing Plus, Inc.
Insurance Solutions for Kentucky Heavy Duty Pickup Trucks
 “You’ve gotta be kidding me!” That is the sound of a new heavy-duty pickup truck owner that has just been told that he can’t get insurance. Unfortunately, your insurance agent probably isn’t kidding you, (s)he most likely can’t or doesn’t know how to obtain coverage for a vehicle that has a GVW of 10,000 pounds or more. Before heading back to the lot to get your money back pause, take a deep breath and read on.
You can get insurance at a reasonable price
If you have just purchased a F-450 or higher, certain F-350, a Silverado 3500 or any other heavy duty or super duty pickup truck, you may have to find insurance alternatives. While your agent may not have the ability to insure your truck, there are agents in Kentucky that can.
We can help you buy reasonably priced insurance for your new heavy-duty pickup truck. Learn more about the insurance options available to Kentucky residents by calling a TruePoint Truck Specialist today at (502) 410-5089.Â
Wedding Insurance
Wedding Insurance
  Weddings, regardless of the current economy, are still quite expensive events. The average cost of a wedding still approaches $30,000. Insurance has become a necessary component to provide special protection for this extremely important, personal event.
Coverages vary, read your policy
Wedding insurance is not standardized, so policy wording can be quite different among the specialty insurance companies that offer protection. Wedding insurance can help protect against the huge expenses suffered if, for certain reasons, the wedding is either postponed or is canceled. Protection can be purchased to respond to loss involving unrecoverable expenses as well as to lawsuits that result from a wedding that is not held as planned.
Policy Coverages
Usually, to qualify for coverage, a wedding’s cancellation or delay has to be caused by an eligible source of loss/disruption such as catastrophic weather, a church where the wedding is to be held suffers smoke damage and is suddenly closed, or the reception caterer closes her business the day before the wedding.
Items covered by the policy are usually expenses that can’t be recovered (non-refundable). Eligible expenses often include the following:
- Facility Rental (church, reception halls, etc.) Costs
- Catering Costs
- Clothing Rental Fees
- Floral expenses
- Photographer Fees (in some cases, videographer fees may also qualify)
- Hotel Costs
- Transportation Costs (limos, taxi costs for transporting a wedding party or guests incurred by insured or honoree)
- Air Transportation
- Other miscellaneous, non-refundable costs
Eligible expenses include those related to the honeymoon as well. Examples of “Other expenses” may be the deposits for services, such as florists, entertainers, etc. Naturally, payment of these costs is subject to the policy’s limit.
Wedding Personal Liability
Liability coverage protects against losses or lawsuits that allege that the insured/honoree is responsible for bodily injury, personal injury or property damage to a third party. However, any claim must be due to an incident that takes place at the wedding (including reception). The coverage obligation includes a duty to legally defend an insured/honoree against claims/losses.
Example: The Bridals are sued by a best man who was seriously injured when the nervous groom turned abruptly to get the wedding ring and knocked the best man off a podium.
Additional Coverage
Many wedding policies offer additional coverages such as:
- Photographs and Video Coverage
- Gift Coverage
- Rented Property Coverage
- Special Attire Coverage
- Jewelry Coverage
Your policy may give you the option to add Liquor Liability coverage. If you plan to sell alcohol this policy should be a requirement. Open bars? Your liability is the same whether you are selling or serving.
Do yourself a favor
When some accident comes about to turn the big day into the big cancellation or the big disaster; having wedding insurance could take the financial sting out of the situation.
COPYRIGHT: Insurance Publishing Plus, Inc. 2017 All rights reserved. Production or distribution, whether in whole or in part, in any form of media or language; and no matter what country, state or territory, is expressly forbidden without the written consent of Insurance Publishing Plus, Inc.
