There is No Such Thing as “Full Coverage”

If I had a nickel for every time a potential car wreck client sat across the table from me and swore up and down that they had “full coverage” on their auto policy, I would be able to put all my kids through college—cash. Look at any major car insurance website and they all have […]

Do You Need UIM Coverage

So many people believe this headline. I remember when I was buying car insurance for the first time and being encouraged to just get the minimum liability coverage because “everyone has to have insurance.” The logical conclusion being that UIM is extra coverage that you’ll never need—basically a money suck for the insurance companies. That […]

I was Sold Full (False) Coverage

There is no such thing as “full” coverage. Clients are routinely disappointed when the “full” coverage their insurance agent sold them will not cover them in certain situations. Full coverage is a term of art insurance companies use to sell insurance policies. Whether it is meant to or not, it can mislead people, and one […]