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Had an Accident? Put Your Smart Phone to Use.

  Automobile accidents happen every minute of the day. But according to the National Association of Insurance Commissioners (NAIC), most people do not know what steps to take or what information to share — or not share — after an accident.  They may even put their identities and safety at risk by sharing too much… Continue reading »


Hurricane Michael: Phone Numbers For Claims Departments

  To report a claim directly to your insurance carrier, please contact them at the phone number or website link below:   American Strategic (ASI): 1-866-274-5677  or click here to file online   American Traditions: 1-866-270-8430   Ark Royal: 1-866-274-5677 or click here to file online   Bristol West: 1-800-274-7865 or click here to file online   Bankers: 1-800-765-9700   Capitol Preferred: 1-888-388-2742 or click… Continue reading »


Hurricane Michael: What To Do Now and After The Storm

  Hurricane Michael may become the strongest hurricane to hit the Florida Panhandle in recorded history today, and is expected to make landfall in the Panhandle somewhere between Panama City and Laguna Beach this afternoon. Because it rapidly strengthened over the last couple days, this storm may catch some by surprise and already has officials… Continue reading »


Are You Covered for Personal Use of Company Vehicle?

  Getting a company car is a coveted perk for employees, but it can also cause some coverage issues with your personal auto policy. The standard auto policy excludes coverage for non-owned vehicles furnished or available for your regular use. This means you are relying solely on the company’s insurance for protection. If for any… Continue reading »


Have a Prized Collection? It May Not Be Properly Insured

  If you are like most collectors, you’ve put time, money and effort into your endeavor, be that stamps, baseball cards, jewelry, fine art, wine or other collectibles. Your collection is probably valuable to you financially, and some pieces may also hold a sentimental value. However, if the collection is destroyed or damaged, there is… Continue reading »


Don’t Rely On Employer Life Insurance Coverage Alone

  Fewer employers are offering life insurance to workers as an employee benefit. In 2016, only 48% of employers offered life insurance as an employee perk. This reflects a steady decline of 23% compared to 2006 levels, according to the Life Insurance Marketing and Research Association (LIMRA). The decline is curious, given that some 6… Continue reading »


In a Social Media World, Are You Covered for Libel?

  It is widely thought that a homeowner’s insurance policy covers only incidents that physically occur in the home, which is partially correct. In fact, coverage can go beyond the home and can insure you for a personal injury claim, if the right conditions are in place. One may think of the term “personal injury”… Continue reading »