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Frequently Asked Questions

Frequently Asked Questions
 
Consumers enjoy using technology for business, but prefer meeting with insurance agents one-on-one to secure policies.
5/14/2013
Customers opt in favor of agents over technology for purchasing insurance products
When it comes to buying coverage policies, insurance customers say they'd rather buy from an actual person versus through a digital medium.
 
With professional help, tax day doesn’t have to be a pain for those filing.
4/15/2013
Four ways to make Tax Deadline Day less worrisome
April 15 is one of the most stressful days of the year for Americans. Here's how to make it like any other day.
 
After-parties can lead to liability issues for homeowners holding post-prom bashes.
4/8/2013
Be aware of your kids' after-prom parties
Many kids will attend post-prom gatherings after the last dance, where alcohol may be available.
 
The III advises homeowners to insure their high-priced belongings.
3/25/2013
Spring cleaning? Don't forget about insurance
The Insurance Information Institute explains why individuals may want to insure belongings they put in storage.
 
Diamond rings are certainly a Valentine's gift buyers may want to insure.
2/14/2013
How to properly protect your expensive Valentine's Day gift
Protect your expensive diamond rings, gadgets and other Valentine’s Day gifts with appropriate insurance coverage.
 
Americans seem to be in favor of domestic green energy.
1/24/2013
Poll: Americans place a high priority on green energy
A recent survey indicates consumers don't want lawmakers to abandon renewable forms of energy in an effort to rely less on foreign oil. They're also largely opposed to fracking.
 
Here’s how to handle a flood in your home.
12/14/2012
What to do after a flood
ABC News spoke with a flood insurance expert to help policyholders determine what's involved in the claims process.
 
Business insurance is vital for companies in all industries.
12/11/2012
How a business owner's policy can help managers recover
A primer on what's often included in a business owner's plan so managers can get the most out of their investment.
 
Homeowners insurance often doesn’t cover flood damages.
12/4/2012
Think homeowner's insurance includes flood coverage? Think again
Natural catastrophes cause many to realize that they forgot to include a crucial protection in their homeowner's policies.
 
CDC says there are certain steps victims of abuse should take to start over financially.
11/27/2012
Three financial strategies to help victims of abusive relationships
The Insurance Information Institute provides victims of domestic violence with various money management assistance.
 
Umbrella insurance can provide extra security.
11/12/2012
Clarifying some mischaracterizations of umbrella insurance
A veteran insurance expert says some people may not be entirely clear about umbrella insurance.
 
Drivers should try to telegraph their intentions to avoid accidents.
11/6/2012
Avoiding fender benders
The Network of Employers for Traffic Safety offers tips to avoid rear-ending another vehicle.
 
The rules for older drivers vary by state.
11/2/2012
How do license rules for older drivers vary within states?
The Associated Press details the regulations in place governing when older motorists need to renew their licenses.
 
Homeowners may want to contact an inspector if they think their home may have been damaged.
10/31/2012
Returning home after an evacuation order
Up and down the east coast, mandatory evacuation orders were issued by state and local authorities as Hurricane Sandy barreled toward the coast.
 
Single consumers should still carry sufficient insurance.
10/24/2012
Living the single life requires insurance
The Insurance Information Institute reminds those who are unattached that they need coverage just as much as married people do.
 
Flood insurance must be purchases separately from home insurance.
10/19/2012
Flood insurance reminders to keep in mind
A water restoration company based offers homeowners with some flood insurance tips.
 
Many consumers have questions related to hurricane damage.
10/9/2012
Four questions renters and condominium residents may have about insurance after a hurricane
The Insurance Information Institute provides answers to questions policyholders may be puzzled by.
 
Families should make their own emergency plans.
9/28/2012
Are you ready for weather hazards?
The Federal Emergency Management Agency reminds Americans to ready themselves for the unexpected by preparing for their home and business.
 
Renters should not rely on a roommate's insurance.
9/25/2012
Three common renters insurance myths
A number of myths exist about renters insurance.
 
Tablets and e-books are becoming more common, increasing the valuables students bring with them and need to insure.
9/21/2012
College may bring insurance adjustments for students
The Insurance Information Institute details the coverage implications that come with university life.
 
Hail storms may require major repairs.
9/5/2012
Five frequent questions about hailstorms
Some of the most common queries homeowners have about hail.
 
There are major differences between a storm watch and a storm warning.
8/29/2012
Storm warnings and watches: What's the difference?
The Insurance Information Institute explains the variance in terms and how they can affect coverage.
 
Business insurance plans have three main parts.
8/24/2012
What are the three main components of a businessowners policy?
The Insurance Information Institute goes over some of the basic elements of a business insurance plan.
 
Kid-run lemonade stands may be covered by homeowners insurance plans.
8/21/2012
Are kid-run businesses covered?
Parents whose young children want to start a business may have some coverage protections.
 
College students living off-campus should have their own renters insurance.
8/15/2012
Do college students need renters insurance? PCI says 'Yes'
The Property Casualty Insurance Association of America explains why a renters policy is crucial for those who are college-bound.
 
Tree damage is generally covered by insurance.
8/2/2012
Answering some frequently asked questions relating to claims after storm damage
The Insurance Information Institute provides answers to help homeowners deal with claims.
 
There are many myths surrounding lightning.
7/20/2012
Three myths about lightning
The Insurance Information Institute details some of the most common misconceptions regarding lightning.
 
Recent graduates may have new insurance concerns.
7/9/2012
Insurance guidance for recent graduates
Now that students have graduated, the Insurance Information Institute offers some cost considerations for those entering the real world.
 
Those changing a flat tire need to stay out of traffic.
6/22/2012
What to do after a breakdown
AutoMD.com offers safety suggestions should car problems result while driving.
 
Believe it or not, one Rhode Island resident took out an insurance policy on a tank.
6/18/2012
Three unusual collectibles that are insured
PropertyCasualty360 lists some of the more unusual collectibles with policies taken out on them.
 
Traffic violations will have a significant impact on insurance rates.
6/7/2012
Some of the more common misconceptions about auto insurance
Distinguishing myth from reality with car insurance.
 
Newlyweds may want to review their insurance after the honeymoon is over.
6/4/2012
Wedding season calls for review of insurance needs
Newlyweds may need to change or update their insurance policies after tying the knot.
 
Those remodeling their homes should notify their Selective agent.
5/23/2012
Time to renovate? Don't forget about insurance
The Insurance Information Institute says to contact your insurance company before remodeling projects start.
 
Homeowners should contact their insurer immediately after a disaster.
5/8/2012
Steps involved in the recovery process
What to do after experiencing property losses from storms.
 
Homeowners should keep paperwork organized.
4/30/2012
Avoid clutter through better organization
BMO Harris Bank offers tips on how people can arrange their financial data.
 
Avoiding heavy traffic times can save tremendous amounts of fuel.
4/18/2012
Save gas and the environment at the same time
Protect the planet by adopting these tips to increase mileage.
 
Consumers should review their policies and talk with their insurers.
4/2/2012
Ways to save on auto insurance rates
The Insurance Information Institute offers recommendations for how policyholders can reduce their costs.
 
Some mistakenly assume they can only buy flood insurance if they are near water.
3/28/2012
FEMA tackles more flood insurance myths
Clearing up some of the more common wrong impressions about the National Flood Insurance Program.
 
Consumers should ask questions of their insurance provider.
3/26/2012
Questions to ask before buying a home insurance policy
When shopping for a homeowners insurance plan, consumers should be prepared to ask several questions.
 
Many myths about flood insurance exist.
3/22/2012
Three myths about the National Flood Insurance Program
FEMA sets the record straight on flood coverage.
 
Omitting renters insurance may be a mistake.
1/30/2012
Common insurance mistake is skipping renters insurance
The Insurance Information Institute offers tips to help individuals save money.
 
Many homeowners are unsure of the rules surrounding tree damage.
1/18/2012
Poll: 82 percent don't know who has to pay when tree damages a home
A FBK Research poll analyzed homeowners' understanding of property damage.
 
A higher deductible may mean lower premiums.
12/29/2011
Lesser known aspects of deductibles
The Insurance Information Institute goes into greater detail regarding deductibles.
 
A snapped tree limb can cause significant damage.
12/28/2011
Wind, trees and insurance
The Insurance Information Institute clarifies questions policyholders may have after experiencing property damage.
 
There are insurance implications for those hosting holiday parties.
12/16/2011
Are you adequately covered to host a party?
The Insurance Information Institute warns policyholders to make sure they have the proper coverage if they're hosting a party for the holidays.
 
Consumers should know what their deductible is.
12/13/2011
Things to know about deductibles
The Insurance Information Institute provides policyholders with information about deductibles and what they mean.
 
A leaking water line leading to a house is the homeowner's responsibility.
11/22/2011
Water repair costs may be homeowner’s responsibility
A new poll indicates less than half of respondents know they are the ones who have to pay for water line repairs.
 
High-end cars don't necessarily result in more tickets.
11/10/2011
Insurance myth: Luxury car drivers receive more tickets
Some people mistakenly believe that luxury car operators tend to get more speeding tickets and therefore pay higher premiums.
 
Experts say it's a myth that thieves only prefer new vehicles.
11/2/2011
Insurance myth: Thieves prefer new cars
Older cars are also frequently targeted.
 
Some people mistakenly feel they are wasting their insurance premiums if they don't file a claim.
10/20/2011
Claims not the only reason for insurance coverage
Some people falsely believe that if they're not making a claim, they're wasting their insurance.
 
Red vehicles do not cost more to insure.
10/13/2011
Insurance myth: Color affects auto insurance rates
Red cars do not have higher premiums.
 
Consumers should handle their mail carefully.
10/7/2011
How to avoid identity theft
CreditCards.com offers list of identity theft prevention tips.
 
Some businessowners may need commercial auto coverage.
9/26/2011
Do you need commercial auto insurance coverage?
The answer depends on how the vehicle will be used for the business.
 
Many Americans may be underinsured.
9/7/2011
How to avoid being underinsured
Insure.com says homeowners often discover their policy doesn't have sufficient coverage.
 
Proper documentation is key to insurance claims.
9/5/2011
Documentation is crucial, insurance agent says
An Illinois-based agent says a paper trail is a vital aspect in making sure homeowners recover their losses.
 
Before high school graduates go to college, there are some insurance-related steps parents should take.
8/16/2011
Things to do before kids go away for college
The Insurance Information Institute is reminding parents of insurance considerations regarding their college-bound kids.
 
Many mortgage lenders require insurance after a home is sold.
8/5/2011
Is homeowners insurance required?
State law may not require homeowners insurance, but mortgage companies often do.
 
A new III video can help business owners understand insurance.
8/2/2011
III produces video detailing businessowners insurance
A new four-minute video aims to provide the background businessowners may need before purchasing insurance coverage.
 
Paying bills promptly could lead to lower auto insurance costs.
7/20/2011
How much money can people with good credit save on auto insurance?
A study says a good credit history can save motorists nearly $800 in annual auto premiums.
 
Younger drivers can save money on auto insurance.
7/13/2011
How can young adults save on auto insurance?
An automotive website geared for younger drivers offers tips for how they can spend less on their auto insurance policy.
 
Many people may not think to make sure their bicycle is insured as well as their car.
7/6/2011
Should I insure my bicycle?

 
Trusted Choice agents can show consumers their many options.
4/26/2011
What is Trusted Choice?
Trusted Choice agents can provide great selection to consumers.
 
Drivers should talk with their agent to discuss ways to save money.
4/25/2011
How to save on auto insurance
There are ways to cut insurance premiums, but they aren't without risks.
 
Flood zones are given letter grades based on how at risk they are.
4/15/2011
What's a flood zone?
With spring in full swing, many people are hearing the word "flood zones" bandied about. But not everyone is clear on just what a flood zone is.
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