Timely Topics

When you rent a car—either near home, across the country, or internationally—there are important rules to consider for each scenario. Rental coverage is also affected by the policy you hold on your own vehicle. Your car rental contract will generally offer two insurance coverage options: liability and the loss damage waiver (LDW). Liability CoverageLiability coverage protects…

You could drone on about declaration pages, actuarial reports, written premiums, blanket coverage, or errors and omissions, and I’ll be asleep faster than you can say two Benadryl and a tumbler of Chivas. In fact, cracking open the old P&C licensing guide that I keep next to my bedside when these groovier sleep aids don’t…

With climate change, natural disasters have become more frequent and costlier for everyone, including insurance companies who have faced unprecedented claims over the last couple of decades. Some are struggling to survive, or are no longer insuring properties in certain areas, especially those in coastal states, including the New Jersey shore.  In addition, more people…

Sure, it’s great to open up the windows and air out the house on an early spring day, to clean the glass and wash away the dark grime of winter. Mopping the floors, washing and rehanging the blinds, wiping the baseboards, deep cleaning the corners of each room—all important tasks that should be part of…

Insurance insolvency is when an insurance carrier experiences a reduction of assets resulting in financial distress. As a result, they cannot pay bills, pay down debts, or meet other financial obligations. Insolvency can lead to bankruptcy if the company is not able to pay off their creditors. In financial terms, insolvency can be defined simply…

1: You Have a Low Credit Score A low credit score is an indicator of how a prospective customer handles personal finances, including paying bills on time. But insurance data also shows that drivers with lower credit scores file more claims, and more costly claims. What You Can Do Get a copy of your credit…

According to the National Highway Traffic Safety Administration, 3,142 Americans died in 2020 as result of distracted driving. The danger is profound and happening at high speeds, as recent data also shows that 36% of all distracted driving happens at 50 mph or above. Distracted driving includes anything that removes your concentration from the task…

White-tailed deer are the most common deer species in the eastern United States, and the main mating, or rutting, season is from late October through December each year. During rutting season, the males search for mates and females search for winter food sources, so their activity and hormone levels are greatly increased from those of…