Auto Insurance

State minimum coverage: Find out if state minimum coverage is leaving you vulnerable

State minimum coverage: Find out if state minimum coverage is leaving you vulnerable

Posted on by Shield Insurance Agency

Shield Insurance Blog | State minimum coverage | Start A Quote Today!

When it comes to auto insurance, many people wonder if they really need more than the state minimum coverage. After all, the state requires a certain level of coverage to legally drive on the roads, so why would you need anything more?

While it may be tempting to stick with the minimum coverage required by law, there are several reasons why it is often a good idea to consider getting additional coverage. In this blog post, we will explore the importance of having more than the state minimum coverage and why Shield Insurance Agency is the best choice for finding the right coverage for your needs.

Shield Insurance Agency represents over 40 insurance companies, which means we have access to a wide range of coverage options. Our experienced agents can help you navigate through the different policies and find the one that best suits your needs and budget. Whether you are a new driver or have been on the road for years, we can help you find the right coverage to protect yourself and your vehicle.

One of the main reasons why it is important to have more than the state minimum coverage is to protect yourself financially in the event of an accident. While the state minimum coverage may be enough to cover damages to the other party involved in the accident, it may not be enough to cover your own medical expenses or repair costs. Without adequate coverage, you could be left with a hefty bill that you have to pay out of pocket.

Having more than the state minimum coverage can also provide you with peace of mind. Knowing that you have comprehensive coverage that will protect you in a variety of situations can help alleviate the stress and worry that often comes with driving. Whether it is a minor fender bender or a major collision, having the right coverage can make all the difference in how you handle the situation.

Another reason to consider getting more than the state minimum coverage is to protect your assets. If you are found at fault in an accident and the damages exceed your coverage limits, you could be held personally responsible for the remaining costs. This could include not only the damages to the other party’s vehicle but also any medical expenses or legal fees that may arise. By having additional coverage, you can help safeguard your assets and protect yourself from potential financial ruin.

At Shield Insurance Agency, we understand that everyone’s insurance needs are different. That is why we offer a personalized approach to finding the right coverage for you. Our agents will take the time to understand your specific needs and budget and then work with our network of insurance companies to find the best policy for you. We believe in providing our clients with options and ensuring that they have the information they need to make an informed decision.

Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon. We are here to help you navigate the often confusing world of insurance and find the coverage that is right for you. Don’t leave your financial future to chance – let Shield Insurance Agency help you protect what matters most.

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Comprehensive Car Insurance Coverage Everything You Need to Know - Shield Insurance Blog

Comprehensive Car Insurance Coverage: Everything You Need to Know

Posted on by Shield Insurance Agency

Shield Insurance Blog | Comprehensive Car Insurance | Auto Insurance | Start A Quote Today!

What is covered by comprehensive car insurance?

Car insurance is a necessity for every driver on the road. It provides financial protection in case of accidents, theft, or damage to your vehicle. One of the coverage options available is comprehensive physical damage coverage. But what exactly does it cover? In this blog post, we will explore the details of comprehensive physical damage coverage and help you understand its benefits.

Comprehensive physical damage coverage, often referred to as comprehensive coverage, is an optional coverage that protects your vehicle against non-collision damages. It covers a wide range of perils that can cause damage to your car, such as theft, vandalism, fire, falling objects, natural disasters, and more. Unlike collision coverage, which only covers damages resulting from a collision with another vehicle or object, comprehensive coverage provides protection against a broader range of risks.

Let’s take a closer look at some of the specific perils covered by Comprehensive Car Insurance for physical damage:

1. Theft: If your car is stolen, comprehensive coverage will reimburse you for the value of your vehicle, up to its actual cash value. This can be a significant relief, especially if you have a high-value or expensive car.

2. Vandalism: If your car is intentionally damaged by someone, comprehensive coverage will cover the cost of repairs. This can include acts of vandalism like keying, graffiti, or broken windows.

3. Fire: If your car is damaged or destroyed by fire, comprehensive coverage will pay for the repairs or replacement of your vehicle. This can be particularly important if you live in an area prone to wildfires or if your car catches fire due to a mechanical failure.

4. Natural disasters: Comprehensive coverage also protects your vehicle against damages caused by natural disasters such as hurricanes, tornadoes, earthquakes, floods, or hailstorms. These events can cause significant damage to your car, and having comprehensive coverage ensures that you are financially protected.

5. Falling objects: If a tree branch, debris, or any other object falls on your car and causes damage, comprehensive coverage will cover the cost of repairs or replacement.

6. Animal collisions: If you hit an animal while driving, comprehensive coverage will cover the damages to your vehicle. This can include collisions with deer, dogs, cats, or any other animal.

7. Glass damage: Comprehensive coverage often includes coverage for glass damage, such as cracked windshields or broken windows. Some insurance companies may offer separate glass coverage, so it’s important to check your policy details.

It’s important to note that comprehensive coverage does not cover damages resulting from a collision with another vehicle or object. For that, you would need collision coverage. However, comprehensive coverage can be combined with collision coverage to provide more comprehensive protection for your vehicle.

Comprehensive physical damage coverage is not mandatory in most states, but it is highly recommended, especially if you have a newer or more valuable vehicle. Without comprehensive coverage, you would be responsible for paying for repairs or replacement out of pocket in case of non-collision damages.

Comprehensive Car Insurance Deductible

When considering comprehensive coverage, it’s important to understand the deductible associated with the coverage. A deductible is the amount you are responsible for paying before your insurance coverage kicks in. For example, if you have a $500 deductible and your car sustains $2,000 worth of damages, you would be responsible for paying the first $500, and your insurance would cover the remaining $1,500.

The cost of comprehensive coverage can vary depending on several factors, including the make and model of your vehicle, your location, your driving history, and the deductible you choose. It’s always a good idea to shop around and compare quotes from different insurance companies to find the best coverage at the most affordable price.

In conclusion, comprehensive physical damage coverage provides valuable protection for your vehicle against non-collision damages. It covers a wide range of perils, including theft, vandalism, fire, natural disasters, falling objects, animal collisions, and glass damage. While not mandatory, comprehensive coverage is highly recommended, especially for newer or more valuable vehicles. Understanding the deductible and shopping around for the best coverage and price are essential steps in securing comprehensive coverage for your car. With comprehensive coverage, you can have peace of mind knowing that you are financially protected against unexpected damages to your vehicle.

Shield Insurance Agency represents over 40 insurance companies. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

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Discover the Hidden Benefits of Medical Pay Coverage on Your Car Insurance - Shield Insurance Blog

Discover the Hidden Benefits of Medical Pay Coverage on Your Car Insurance

Posted on by Shield Insurance Agency

Shield Insurance Agency Blog | Medical Pay Coverage | Contact Shield Today | Start A Quote

Car accidents can happen unexpectedly, leaving individuals with not only physical injuries but also financial burdens. In such situations, having the right insurance coverage can make a significant difference. One important aspect of car insurance that often goes unnoticed is Med Pay coverage. In this blog post, we will explore what Med Pay coverage is, its benefits, and why it is essential to consider when purchasing a car insurance policy. Additionally, we will introduce Shield Insurance Agency, a trusted provider representing over 40 insurance companies, and provide contact information for those interested in obtaining a free quote.

Understanding Medical Pay Coverage:

Med Pay coverage, short for Medical Payments coverage, is an optional add-on to a car insurance policy that helps cover medical expenses resulting from a car accident, regardless of who is at fault. This coverage is designed to provide immediate financial assistance for medical bills, regardless of whether the injured party has health insurance or not. Med Pay coverage typically covers expenses such as hospital visits, surgeries, X-rays, ambulance fees, and even funeral costs in the event of a fatality.

Benefits of Medical Pay Coverage:

  • Immediate Financial Assistance: Med Pay coverage ensures that medical expenses are covered promptly, allowing individuals to focus on their recovery rather than worrying about mounting bills.
  • No-Fault Coverage: Unlike liability coverage, Med Pay coverage is not dependent on determining fault in an accident. It provides coverage regardless of who caused the accident, making it a valuable asset in situations where fault is disputed or unclear.
  • Supplemental Coverage: Med Pay coverage can act as a supplement to health insurance, covering deductibles, co-pays, and other out-of-pocket expenses that may not be fully covered by health insurance policies.
  • Coverage for Passengers: Med Pay coverage extends to passengers in the insured vehicle, ensuring that their medical expenses are also covered in the event of an accident.
  • Peace of Mind: Knowing that medical expenses will be taken care of in the event of an accident can provide peace of mind to policyholders and their families, alleviating the stress associated with unexpected medical bills.

Why Choose Shield Insurance Agency:

Shield Insurance Agency is a reputable insurance provider representing over 40 insurance companies. With their extensive network of insurance carriers, they can offer a wide range of coverage options tailored to individual needs. Their experienced agents are well-versed in the intricacies of Med Pay coverage and can guide customers through the process of selecting the right policy.

Contact Shield Insurance Agency for a Free Quote:

For those interested in obtaining a free quote for car insurance or learning more about Med Pay coverage, Shield Insurance Agency is just a phone call away. By dialing (616) 896-4600, individuals can speak with a knowledgeable agent who will provide personalized assistance and answer any questions. Alternatively, the quoting process can be initiated by visiting the provided link, where an agent will be in touch soon to discuss specific insurance needs.

Med Pay coverage is an essential component of a car insurance policy that provides immediate financial assistance for medical expenses resulting from a car accident. Shield Insurance Agency, representing over 40 insurance companies, is a trusted provider that can help individuals find the right coverage to suit their needs. Whether it’s obtaining a free quote or learning more about Med Pay coverage, Shield Insurance Agency is committed to providing excellent customer service and ensuring that individuals have the necessary protection in place. Don’t wait until it’s too late – contact Shield Insurance Agency today to secure the peace of mind you deserve.

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Timing is everything: How to file an auto insurance claim like a pro!

Timing is everything: How to file an auto insurance claim like a pro!

Posted on by Shield Insurance Agency

Shield Insurance Blog | Insurance Claim | Auto Insurance | Start A Quote Today!

Accidents happen. Whether it’s a minor fender bender or a major collision, dealing with the aftermath of a car accident can be stressful and overwhelming. One of the most important steps in the process is filing an auto insurance claim. But when exactly should you file a claim? In this blog post, we will discuss the factors to consider and the steps to take when filing an auto insurance claim.

First and foremost, it’s crucial to understand what an auto insurance claim is. An auto insurance claim is a request made to your insurance company to cover the damages and expenses resulting from a car accident. This can include repairs to your vehicle, medical bills, and even compensation for pain and suffering.

So, when should you file an auto insurance claim? The answer depends on several factors. Let’s take a closer look at each one.

  • The severity of the accident: If the accident resulted in significant damage to your vehicle or caused injuries, it’s advisable to file a claim as soon as possible. This will ensure that you receive the necessary financial assistance to cover the expenses.
  • Insurance policy terms: Review your insurance policy to understand the specific requirements and timelines for filing a claim. Some policies may have a specific time limit within which you must report the accident and file a claim. Failure to do so may result in a denial of coverage.
  • Cost of repairs: If the cost of repairs exceeds your deductible, it’s generally a good idea to file a claim. Your deductible is the amount you are responsible for paying out of pocket before your insurance coverage kicks in. If the repairs are minimal and fall below your deductible, it may be more cost-effective to pay for them out of pocket.
  • Liability: If you were not at fault for the accident and the other party’s insurance company is covering the damages, you may not need to file a claim with your own insurance company. However, it’s still important to report the accident to your insurance company, as they may need to be aware of the situation.

Now that we’ve discussed when to file an auto insurance claim, let’s dive into the process itself.

1. Gather information: Collect all the necessary information related to the accident, including the other party’s contact and insurance details, witness statements, and any photographs or videos of the scene. This information will be crucial when filing your claim.

2. Contact your insurance company: Notify your insurance company about the accident as soon as possible. They will guide you through the claims process and provide you with the necessary forms and instructions.

3. Provide documentation: Fill out the claim forms accurately and provide any supporting documentation requested by your insurance company. This may include police reports, medical records, and repair estimates.

4. Follow the timeline: Be aware of the timeline set by your insurance company for submitting the required documents and information. Failure to meet these deadlines may result in delays or denial of your claim.

5. Cooperate with the investigation: Your insurance company may conduct an investigation to determine the cause and extent of the damages. Cooperate fully with their requests and provide any additional information they may need.

6. Keep records: Maintain a record of all communication with your insurance company, including emails, phone calls, and letters. This will help you keep track of the progress of your claim and serve as evidence if any disputes arise.

Now that you know the steps to file an auto insurance claim, here are a few tips to make the process smoother:

1. Be honest and accurate: Provide truthful and accurate information when filing your claim. Any discrepancies or false information can lead to complications and potential denial of coverage.

2. Document everything: Keep a detailed record of all expenses related to the accident, including medical bills, repair receipts, and any other relevant documents. This will help ensure that you are adequately compensated for your losses.

3. Understand your coverage: Familiarize yourself with the terms and coverage limits of your insurance policy. Knowing what is covered and what is not will help you set realistic expectations during the claims process.

4. Seek professional advice: If you’re unsure about any aspect of the claims process or feel that your insurance company is not handling your claim fairly, consider consulting with an attorney or a public adjuster who can advocate for your rights.

In conclusion, filing an auto insurance claim is a crucial step in recovering from a car accident. By understanding when to file a claim, following the necessary steps, and being proactive throughout the process, you can ensure a smoother and more successful claims experience.

Remember, Shield Insurance Agency represents over 40 insurance companies and can provide you with the guidance and support you need when filing an auto insurance claim. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK, and an agent will be in touch soon. Stay safe on the roads!

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Cracked Windshield? Here's How Full Glass Coverage Can Save the Day

Full Glass Insurance Coverage Can Save the Day

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Shield Insurance Blog | Glass Insurance | Auto Insurance | Start A Quote Today!

When it comes to glass insurance, there are many different types of coverage options available. One type of coverage that you may have heard of is full glass insurance coverage. But what exactly does this coverage entail and how does it work? In this blog post, we will explore the ins and outs of full glass insurance coverage and help you understand if it is something you should consider for your own auto insurance policy.

Full glass insurance coverage, also known as comprehensive glass coverage, is an optional add-on to your auto insurance policy. It is designed to cover the cost of repairing or replacing your vehicle’s glass, including the windshield, windows, and mirrors, in the event of damage. This coverage is typically available for both personal and commercial vehicles.

So, how does full glass insurance coverage work? Let’s break it down.

First and foremost, it’s important to note that full glass insurance coverage is not included in standard auto insurance policies. It is an additional coverage option that you can choose to add to your policy for an extra premium. The cost of this coverage will vary depending on factors such as your location, the type of vehicle you drive, and your driving history.

Once you have added full glass insurance coverage to your policy, you will be protected against damage to your vehicle’s glass caused by a variety of perils. These perils can include things like accidents, vandalism, theft, falling objects, and even natural disasters. It’s important to review your policy to understand exactly what is covered and what is not.

In the event that your vehicle’s glass is damaged, you will need to file a claim with your insurance company. This typically involves contacting your insurance agent or the company’s claims department and providing them with the necessary information, such as your policy number, a description of the damage, and any supporting documentation, such as photos or a police report.

Once your claim is filed, an adjuster from the insurance company will assess the damage and determine the appropriate course of action. In some cases, the adjuster may recommend repairing the glass rather than replacing it, depending on the extent of the damage. If the glass needs to be replaced, the insurance company will typically cover the cost of the replacement, minus any applicable deductibles.

It’s important to note that full glass insurance coverage usually comes with a deductible. A deductible is the amount of money that you are responsible for paying out of pocket before your insurance coverage kicks in. For example, if your deductible is $500 and the cost of replacing your windshield is $1,000, you would be responsible for paying the first $500, and your insurance company would cover the remaining $500.

In addition to the deductible, there may also be limitations on the number of glass claims you can make within a certain time period. This is to prevent abuse of the coverage and to keep premiums affordable for all policyholders. It’s important to review your policy to understand any limitations or restrictions that may apply.

It’s also worth noting that full glass insurance coverage is separate from collision coverage, which covers damage to your vehicle in the event of an accident. While collision coverage may cover the cost of repairing or replacing your vehicle’s glass if it is damaged in an accident, full glass insurance coverage provides additional protection against other perils, such as vandalism or falling objects.

So, is full glass insurance coverage worth it? That ultimately depends on your individual circumstances and preferences. If you live in an area with a high risk of glass damage, such as a city with a lot of construction or a region prone to severe weather, full glass insurance coverage may provide valuable peace of mind. On the other hand, if you rarely drive or live in an area with minimal risk of glass damage, it may not be necessary.

In conclusion, full glass insurance coverage is an optional add-on to your auto insurance policy that covers the cost of repairing or replacing your vehicle’s glass in the event of damage. It is not included in standard auto insurance policies and must be added for an additional premium. If you choose to add this coverage to your policy, you will be protected against a variety of perils that can damage your vehicle’s glass. However, it’s important to review your policy to understand any limitations, deductibles, or restrictions that may apply. Ultimately, whether or not full glass insurance coverage is worth it will depend on your individual circumstances and preferences.

 Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

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The Ultimate Guide to Comp and Collision Coverage: What You Need to Know

The Ultimate Guide to Comp and Collision Coverage: What You Need to Know

Posted on by Shield Insurance Agency

Shield Insurance Blog | Comp and Collision Coverage | Start an Auto Quote Today!

When it comes to protecting your vehicle, having the right insurance coverage is crucial. Two common types of coverage that often confuse car owners are comprehensive and collision insurance. While both provide financial protection in the event of damage or loss, they differ in terms of the incidents they cover. In this blog post, we will delve into the details of comprehensive and collision insurance, highlighting their differences, benefits, and scenarios where each type is applicable.

1. Comprehensive Insurance Coverage:

Comprehensive insurance, often referred to as “comp” insurance, is designed to cover damages to your vehicle that are not caused by a collision with another vehicle. It provides protection against a wide range of incidents, including theft, vandalism, fire, natural disasters, falling objects, and animal collisions. Essentially, comprehensive coverage safeguards your vehicle from non-collision-related risks.

2. Collision Coverage:

Collision insurance, as the name suggests, covers damages resulting from a collision with another vehicle or object. This type of coverage is specifically designed to protect your vehicle in scenarios where you are at fault or involved in a single-vehicle accident, such as hitting a tree, fence, or wall. Collision coverage ensures that your vehicle is repaired or replaced, regardless of who is responsible for the accident.

Differences between Comprehensive and Collision Insurance Coverage:

While both comprehensive and collision insurance provide protection for your vehicle, they differ in terms of the incidents they cover and the circumstances under which they apply. Here are the key differences:

a. Covered Incidents:

Comprehensive insurance covers a wide range of incidents, including theft, vandalism, fire, natural disasters, falling objects, and animal collisions. On the other hand, collision insurance specifically covers damages resulting from collisions with other vehicles or objects.

b. Fault Consideration:

Comprehensive insurance is not dependent on fault. It covers damages regardless of who is responsible for the incident. In contrast, collision insurance only applies when you are at fault or involved in a single-vehicle accident.

c. Deductibles:

Both comprehensive and collision insurance policies typically have deductibles. A deductible is the amount you must pay out of pocket before your insurance coverage kicks in. Deductibles for comprehensive coverage are generally lower than those for collision coverage.

d. Premiums:

Premiums for comprehensive and collision insurance can vary based on several factors, including the value of your vehicle, your driving history, and your location. Collision insurance tends to have higher premiums compared to comprehensive insurance due to the higher likelihood of accidents involving collisions.

e. Vehicle Age and Value:

The age and value of your vehicle can also influence the need for comprehensive and collision coverage. Comprehensive insurance is often recommended for newer vehicles or those with higher values, as it provides broader protection against various risks. Collision insurance is more commonly recommended for vehicles with a higher risk of collision-related incidents.

Scenarios Where Each Comp and Collision Coverage is Applicable:

Understanding the scenarios where comprehensive and collision coverage are applicable can help you make an informed decision when choosing the right insurance for your vehicle. Here are some examples:

a. Comprehensive Coverage:

  • – Your vehicle is stolen or vandalized.
  • – Your car is damaged by a natural disaster, such as a hurricane or hailstorm.
  • – A tree falls on your vehicle during a storm.
  • – Your car is damaged by fire or explosions.
  • – You collide with an animal on the road.

b. Collision Coverage:

  • – You collide with another vehicle, regardless of who is at fault.
  • – You hit a stationary object, such as a wall, fence, or pole.
  • – Your vehicle rolls over due to a single-vehicle accident.
  • – You collide with a tree or other objects on the road.

Comprehensive and collision insurance coverage is essential for protecting your vehicle from various risks. While comprehensive coverage safeguards against non-collision-related incidents, collision coverage specifically addresses damages resulting from collisions with other vehicles or objects. Understanding the differences between these two types of coverage, along with the scenarios where they are applicable, can help you make an informed decision when selecting the right insurance for your vehicle. Remember, it’s crucial to consult with an insurance professional to determine the best coverage options based on your specific needs and circumstances.

Shield Insurance Agency represents over 40 insurance companies. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

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Uninsured Motorist Coverage The Ultimate Guide to Peace of Mind on the Road.

Uninsured Motorist Coverage: The Ultimate Guide to Peace of Mind on the Road

Posted on by Shield Insurance Agency

Shield Insurance Blog | Uninsured Motorist Coverage | Start A Quote Today!

Driving on the road can be a thrilling experience, but it also comes with its fair share of risks. One of the biggest concerns for any driver is the possibility of getting into an accident with an uninsured motorist. In such situations, having uninsured motorist coverage can provide you with the peace of mind you need. In this ultimate guide, we will explore what uninsured motorist coverage is, why it is important, and how it can protect you in case of an accident.

What is Uninsured Motorist Coverage?

Uninsured motorist coverage is an insurance policy that protects you if you are involved in an accident with a driver who does not have insurance or has insufficient coverage. It is an optional coverage that you can add to your existing auto insurance policy. In the event of an accident, uninsured motorist coverage will help cover your medical expenses, lost wages, and other damages caused by the uninsured driver.

Why is it Important?

1. Protection against Uninsured Drivers: According to the Insurance Research Council, approximately one in eight drivers in the United States is uninsured. If you are involved in an accident with an uninsured driver, you may be left to cover the expenses out of your own pocket. Uninsured motorist coverage ensures that you are protected in such situations.

2. Medical Expenses Coverage: In the unfortunate event of an accident, medical expenses can quickly add up. Uninsured motorist coverage can help cover the cost of medical treatment, including hospital bills, surgeries, and rehabilitation. This coverage can be a lifesaver, especially if you do not have health insurance or have high deductibles.

3. Lost Wages Coverage: If you are injured in an accident and unable to work, uninsured motorist coverage can provide compensation for your lost wages. This can help alleviate the financial burden caused by the accident and allow you to focus on your recovery without worrying about your income.

4. Property Damage Coverage: Uninsured motorist coverage not only protects you against bodily injuries but also covers damages to your vehicle. If the uninsured driver is at fault for the accident, this coverage can help pay for the repairs or replacement of your vehicle.

How Does Uninsured Motorist Coverage Work?

Uninsured motorist coverage can vary depending on your insurance provider and the state you live in. However, there are a few key components that are common across most policies:

1. Bodily Injury Coverage: This component of uninsured motorist coverage helps cover medical expenses, lost wages, and pain and suffering caused by the accident. It typically has a per-person and per-accident limit, which determines the maximum amount the insurance company will pay.

2. Property Damage Coverage: This component covers the cost of repairing or replacing your vehicle if it is damaged in an accident with an uninsured driver. Like bodily injury coverage, it also has a limit that determines the maximum amount the insurance company will pay.

3. Hit-and-Run Coverage: Some uninsured motorist policies also include coverage for hit-and-run accidents. If you are involved in a hit-and-run and the responsible driver cannot be identified, this coverage can help cover your medical expenses and property damage.

4. Underinsured Motorist Coverage: In addition to uninsured motorist coverage, some policies also include underinsured motorist coverage. This coverage comes into play when the at-fault driver has insurance, but their coverage is insufficient to fully compensate you for your damages. Underinsured motorist coverage helps bridge the gap between the at-fault driver’s coverage and your actual damages.

How to Obtain this Coverage

To obtain uninsured motorist coverage, you need to contact your insurance provider and add it to your existing auto insurance policy. The cost of uninsured motorist coverage can vary depending on factors such as your driving record, the state you live in, and the coverage limits you choose. It is important to review your policy and understand the coverage limits and exclusions before making a decision.

Uninsured motorist coverage is a crucial component of any auto insurance policy. It provides you with the peace of mind you need on the road, knowing that you are protected in case of an accident with an uninsured driver. From covering medical expenses to compensating for lost wages and property damage, uninsured motorist coverage offers comprehensive protection. Don’t wait until it’s too late – add uninsured motorist coverage to your policy today and drive with confidence knowing that you are prepared for any situation that may arise on the road.

Shield Insurance Agency represents over 40 insurance companies. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

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One of the most common questions people have is why it takes longer to get a business insurance quote than an auto insurance quote.

Cracking the Code: Why Auto Insurance Quotes Beat Business Insurance Quotes in Speed

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Shield Insurance Blog | Business Insurance | Insurance Quotes | Start A Quote Today!

Business Insurance Quotes vs Auto Insurance Quotes

When it comes to insurance, there are many factors that can affect the time it takes to get a quote. One of the most common questions people have is why it takes longer to get a business insurance quote than an auto insurance quote. In this blog post, we will explore the reasons behind this and provide some insights into the process.

Firstly, it is important to understand that business insurance is a much more complex and specialized type of coverage compared to auto insurance. Business insurance covers a wide range of risks and liabilities that are unique to each individual business. This means that the insurance company needs to gather more information and assess a greater number of factors in order to provide an accurate quote.

One of the main reasons why it takes longer to get a business insurance quote is the level of customization required. Unlike auto insurance, which has standardized coverage options, business insurance needs to be tailored to the specific needs of each business. This means that the insurance company needs to gather detailed information about the business, such as its size, industry, location, and the specific risks it faces. This information is used to determine the appropriate coverage and limits for the business, which can take time to assess.

Insurance Quotes

Another factor that can contribute to the longer quote process for business insurance is the number of insurance companies involved. Unlike auto insurance, where there are a limited number of providers, business insurance has a much larger market. This means that there are more insurance companies to choose from, each with its own underwriting guidelines and pricing models. In order to provide the best quote for a business, the insurance company needs to shop around and compare quotes from multiple providers. This can take time, especially if the business has unique or specialized needs.

Additionally, business insurance often requires more documentation and verification compared to auto insurance. This is because businesses typically have more assets and liabilities that need to be assessed. For example, a business may need to provide financial statements, inventory lists, or proof of compliance with certain regulations. This additional paperwork can add to the time it takes to get a quote, as the insurance company needs to review and verify the information provided.

Furthermore, the complexity of business insurance policies can also contribute to the longer quote process. Business insurance policies often have more coverage options and endorsements compared to auto insurance. This means that the insurance company needs to carefully review and assess each option to ensure that the policy meets the specific needs of the business. This level of detail and customization can take time to evaluate and determine the appropriate coverage and pricing.

In conclusion, there are several reasons why it takes longer to get a business insurance quote compared to an auto insurance quote. The level of customization required, the number of insurance companies involved, the additional documentation and verification, and the complexity of the policies all contribute to the longer quote process. However, it is important to remember that the extra time and effort put into obtaining a business insurance quote is necessary to ensure that the business is adequately protected. So, if you are in need of business insurance, be patient and provide the necessary information to get the best coverage for your unique needs.

If you are looking for the best RV insurance quote, camper van insurance, or the best insurance for Motorhome Insurance near you, Shield Insurance Agency can help. With over 40 insurance companies represented, they have the expertise and resources to find the right coverage at an affordable price. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon. Protect your family and your business with the right insurance coverage from Shield Insurance Agency.

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Experience the Ultimate Retro Vibes with the Lámpago Electric Trike!

Experience the Ultimate Retro Vibes with the Lámpago Electric Trike!

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Shield Insurance Blog | Only Good News Daily | Electric Trike | Auto Insurance | Start a Quote Today!

The fun-looking short-haul ride merges urban e-trike vibes with a vintage micro-car design, offers luxury seating for two, a bunch of branded accessories, and even includes a spare tire mounted to the back.

It’s Lámpago first electric vehicle and looks perfect for an emissions-free drive to the beach or grocery store. The vehicle lacks pedals but rides as a moped in Europe – which may require an appropriate permit – throttling up to 25 km/h (15.5 mph). So, not a speedy mode of transport but, if the sun’s out, and you haven’t got far to go, who cares?

Electric Trike

It has a relatively small battery that’s good for between 30 and 50 km (19 – 31 miles) every three hours on a charge, and anyone who wants one can choose from a range of body and fabric colors.

Elsewhere, there’s a digital dash at the center of the motorcycle-style handlebar, with an analog timepiece underneath, a funky LED headlight rising out of the hood, and a bunch of accessories such as a branded umbrella, thermos flask, and key holder.

Lámpago, based in Turkey, says export pricing starts at US$10,860. The video below offers brief a look around.

Click here to see the Electric Trike story

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To help you better understand this complex industry, we have compiled a comprehensive list of insurance terms that you should be familiar with.

Know Your Insurance Terms for Peace of Mind

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Shield Insurance Agency Blog | Insurance Terms | Start a Quote Today!

Insurance is an essential aspect of our lives, providing us with the necessary protection and peace of mind. However, navigating the world of insurance can be overwhelming, especially with the numerous terms and jargon often used. To help you better understand this complex industry, we have compiled a comprehensive list of insurance terms that you should be familiar with. Whether you are a seasoned policyholder or a newcomer to the world of insurance, this list will serve as a valuable resource.

Insurance Terms

1. Premium: The amount of money you pay to the insurance company in exchange for coverage. Premiums can be paid monthly, quarterly, or annually, depending on the policy.

2. Deductible: The amount of money you must pay out of pocket before your insurance coverage kicks in. For example, if you have a $500 deductible and file a claim for $1,000, you will pay the first $500, and the insurance company will cover the remaining $500.

3. Policy: A contract between you and the insurance company that outlines the terms and conditions of your coverage. It specifies what is covered, the limits of coverage, and any exclusions or conditions.

4. Coverage: The protection provided by an insurance policy. It can include various types, such as auto, home, health, life, and more.

5. Liability: The legal responsibility for any damages or injuries caused to others. Liability coverage is designed to protect you in case you are held responsible for an accident or injury.

6. Claim: A formal request made by the policyholder to the insurance company for compensation or reimbursement for a covered loss or damage.

7. Underwriting: The process of evaluating an applicant’s risk and determining the terms and conditions of their insurance policy. It involves assessing factors such as age, health, driving record, and more.

8. Exclusion: Specific situations or conditions that are not covered by an insurance policy. It is important to review your policy carefully to understand what is excluded from coverage.

9. Rider: An additional provision or amendment to an insurance policy that modifies or expands the coverage. Riders are often used to add specific coverage options or increase policy limits.

10. Agent: A licensed professional who represents an insurance company and helps individuals or businesses find the right insurance coverage. They can provide guidance, answer questions, and assist with the claims process.

11. Insured: The person or entity covered by an insurance policy. This can be an individual, a family, or a business.

12. Loss: The reduction in value or damage to property or assets covered by an insurance policy. It can be due to theft, accident, natural disaster, or other covered events.

13. No-claims bonus: A discount or reward given by insurance companies to policyholders who do not file any claims during a specific period. It encourages safe driving and responsible behavior.

14. Comprehensive coverage: An insurance policy that provides protection against a wide range of risks and perils, including theft, vandalism, fire, and natural disasters.

15. Grace period: The additional time given to policyholders to pay their premium after the due date without incurring a penalty or losing coverage.

16. Subrogation: The process by which an insurance company seeks reimbursement from a third party who is responsible for the loss or damage covered by the policy. It allows the insurance company to recover the amount paid to the policyholder.

17. Actuary: A professional who uses statistical data and mathematical models to assess risk and determine insurance premiums. They play a crucial role in pricing policies and ensuring the financial stability of insurance companies.

18. Umbrella policy: An additional liability insurance policy that provides coverage beyond the limits of your primary policies. It offers an extra layer of protection against high-cost claims or lawsuits.

19. Depreciation: The decrease in the value of an asset over time due to wear and tear or obsolescence. Insurance policies often take depreciation into account when determining the amount of compensation for a covered loss.

20. Endorsement: A written amendment or addition to an insurance policy that changes the terms or coverage. It can be used to add or remove coverage options, increase or decrease policy limits, or modify other policy provisions.

Understanding these insurance terms will empower you to make informed decisions when it comes to protecting yourself, your family, and your assets. Remember, insurance is not just a financial product; it is a shield that safeguards your future. If you have any questions or need assistance in finding the right insurance coverage, contact Shield Insurance Agency at (616) 896-4600 for a free quote today. You can also start the quoting process by visiting this LINK, and an agent will be in touch soon. Stay protected and enjoy peace of mind with comprehensive insurance coverage.

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