How do you determine if your car is totaled? A “total loss” in car insurance is a term insurers use when the cost to repair your car is more than the value of the vehicle. Your insurance company will typically complete an inspection of the damaged vehicle before officially declaring it a total loss. [...]

Guide to home insurance for the first-time buyer! Your lender will require you to purchase a homeowners insurance policy before you're able to move into your new home. While many lenders provide insurance referrals, choosing a home insurance company is your decision. You're responsible for making sure the coverages on your policy protect your home, [...]

There are many variables that factor into the calculation of an insurance rate. Some of them will be listed in this blog. Any change in one or more of these factors may affect the rate. Sometimes you go into your insurance company wanting to update your address on your insurance and you come to the [...]

Rental car is damaged or stolen: Your insurance: Comprehensive and collision Pays for damages from accidents, glass damage, and events that are out of your control (theft, falling tree limbs, fire, hail, and more). These coverages are optional, so make sure you have them before skipping rental insurance. Remember, if you don’t have these on [...]

Nevada has joined a growing number of states allowing residents to choose gender “X” on their state-issued driver’s licenses or identification cards, in addition to "M" for male and "F" for female. This is a big MILESTONE for people who do not identify with either Male or Female. The Nevada Department of Motor Vehicles implemented [...]

Did you have any way of identifying who hit you (witnesses, cameras, notes, etc.)? YES: Typically, the other driver would be at fault! Contact their company to file your claim, and they should pay for your repairs. If they don't have insurance, and you can't get them to pay out of pocket, you can instead [...]