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New Jersey Private Passenger Automobile Personal Injury Protection (PIP) and Uninsured/Underinsured Motorist Coverage Personal Injury Protection (PIP) is included on all New Jersey private passenger

 Some claim, and direct writers like Geico and Progressive would surely like you to believe, that it is better and less expensive to purchase “Personal Lines” of insurance (homeowners, automobile, umbrella liability, motorcycle, etc.) through them directly instead of through an independent agent/broker.

Are you aware that a homeowner’s insurance policy does not cover a flood loss? And did you know that water damage to your home is not always covered by flood insurance? Before deciding whether or not to purchase flood insurance, there are a few things you should know.

On Friday September 14, 2018 the east coast of the US was once again hit with a catastrophic hurricane which caused massive amounts of property damage to thousands of homeowners. While some of the damage sustained by Hurricane Florence was due to wind, the majority of the damage was due to catastrophic flooding caused by storm surge, rivers and creeks breaching their banks, and over 25 inches of rain in some areas. As a result, many homeowners suffered significant water damage to their homes.

There has been a recent increase in automobile theft in my area. I had a conversation about it with the Chief of Police of a local town, and here is what I learned.

Nobody likes to imagine the worst – but in the insurance business, it’s our job to think about the worst that could happen and educate our customers on preventative measures.

Unfortunately, most people who drive are going to have at least one automobile accident in their lifetime.

When it’s extremely cold outside, it’s very common to experience damage caused by frozen water pipes.

Have you ever wondered how it’s possible for all the big direct writer Automobile Insurance Carriers to save you money? The truth is that it’s impossible for every insurance company to save everyone money – it’s all just marketing.

How many times have you seen a commercial from one of the Big Automobile Insurance Carriers  promoting  “Accident Forgiveness” or even “New Car Replacement!”