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Jewelry Appraisals: Keep them Current

Were you lucky enough to receive jewelry as a gift this holiday season?  You’re likely excited to enjoy your beautiful new piece, but insurance coverage is an important consideration.  Insurance can be a powerful tool when consumers face a devastating loss.  Being smart about how you buy and maintain insurance can help you get the most for your money.

One of the most important things you can do as an insurance consumer is to make sure the coverage limits you are carrying are adequate. For example, when jewelry is scheduled on a valuable items policy with an agreed value loss…


Should You Buy Rental Car Insurance?

Have you ever rented a vehicle and found yourself being asked by the car rental agent, “Would you like to purchase our physical damage insurance?”  If you’re like most people, you ask how much their insurance will cost and then upon hearing the daily insurance fee, you decide against it and hope for the best.  This could be a mistake.

Let’s take a look at the differences between a Personal Auto Policy (PAP) and the typical insurance coverage offered by a rental car agency.  First, the loss valuation on most PAP’s is actual cash valued (which is replacement cost less…


Personal Auto Coverage – Full vs. Limited Tort

In the state of Pennsylvania, two tort options are offered to personal auto policyholders – full tort and limited tort.  Policyholders are required to choose one of the two tort options; however, they may not fully understand the difference between them.  Since the premium for full tort is much higher, it is important to understand exactly what you are getting with the two options.

Full Tort – Allows you to file a lawsuit for any type of injury you sustain, as a result of an auto accident, up to your full legal rights.  This includes payments for pain and suffering. …

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