Everyone smiles when I ask about traffic tickets or accidents. Some have even asked what they have to do with life insurance. Almost every insurance company that processes a life application will run MVR (motor vehicle report) and CLUE reports. The MVR show violations such as tickets and the CLUE report shows accidents.
?One of my clients called me last year with a question that was pretty interesting. She’s a Dallas area mom with a son who was about to turn 15. While she was already wondering what was going to happen to her car insurance premium when her son turned 16, her question was: Will she get a better discount if her son takes the parent-led vs. instructor-led driver education?
Imagine with me three different scenarios. I’m sure you may identify with one of these examples! You’re hosting a dinner for friends. You need one last item from Whole Foods so you give some money and your car keys to one of your guests and ask them to get it for you. The store’s only two minutes away. What could go wrong?
?Buying a new car can be an exciting experience. You do the research, take test drives, and handpick every option to make it truly YOUR car. You’ve even made it through the finance office. Now it’s time to drive it off the lot. It’s yours! You post pictures on Facebook, tweet pictures of your new ride and even offer to drive coworkers to lunch so they can smell the “new car” smell! You are loving it!
?One of the most difficult and dangerous places to drive in Texas is on our highways. Driving through one of the major construction projects takes that experience to another level. If you’ve been in the D/FW area, two excellent examples of this would be the reconstruction of the D/FW Connector (Highways 121 & 114 north of D/FW Airport) or LBJ Freeway (Interstate Highway 635 between I-35 and Highway 75).
If you’re expecting your first child or have an infant, this blog’s especially for you! The number one killer of children ages 1 – 12
client called me the other day to let me know she’d been robbed. She had arrived home to find her home had been broken into and several things taken. We reviewed what information she’d provided to the police, her home insurance deductible, and measures she could take in the coming days to potentially recover her valuables. As I think of her experience there are a couple of topics I’d like to cover over several blog postings including
?Several years ago, I rear ended a truck in stop and go traffic on I-35 in Dallas. It was my fault. Six years ago, I was rear ended by a truck and it was their fault. Usually the person who hits the person in front of them is at fault. Unless of course the person in front does something that would not be considered an intelligent move, like the guy who changed a tire in the middle of the road on a two lane highway! That was not the case last week!
?Is a town home a house, a condo or something else? Since we’re discussing it from an insurance standpoint (we’ll ignore the real estate perspective), town homes can be viewed as;
A single family home (yes, even if it’s connected on both sides to neighbors)
It can also be viewed as a condo
?Last week, we looked at Allstate’s list of the top 10 US cities with the worst drivers. The top 10 cities at the opposite end of the spectrum or with the best drivers are listed below;
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