What is Personal Umbrella Insurance? | Liability Coverage | NNINS

in insider, driving, homeowners insurance, auto insurance, Virginia, coverage, claim, car insurance, umbrella insurance, home insurance, Car accident, teen driver, local agent, laws, home, car, insurance claim Mar 26, 2020

Umbrella insurance follows your home and auto insurance policies. In a nutshell, it's extra liability insurance that comes to the rescue if a claim exceeds your regular insurance coverage, with a few exceptions. Here's a story of how it could protect your assets.  My friend, Liane, and her husband were going out to lunch. It was a beautiful spring day, not a cloud in the sky. Out of nowhere, a car came straight across their path attempting to...

Read More    

How to Prepare Your Teen Driver For A Car Accident

in insider, safety tips, driving, report a claim, auto insurance, Virginia, claim, car insurance, family, crash, Car accident, teen driver, parenting Mar 12, 2020

Do you remember what it was like to learn to drive a car? For me, it was both exciting and scary at the same time. I remembered this when I began teaching my own kids to drive, so it was important to me to make sure they understood the freedom and the responsibility that comes with driving.  The Behind the Wheel Program through Virginia's public school system is fantastic. Students learn how to yield at a 4-way stop, navigate a traffic...

Read More    

Find A Sober Ride in Virginia This Holiday Season

in safety tips, driving, Virginia, car insurance, crash, drunk driving, impaired driving, holidays Dec 9, 2019

The 2018 Thanksgiving weekend in Virginia proved deadly for 12 drivers and passengers, including a City of Winchester police officer. Alcohol was a factor in at least two of the fatal crashes. And take a look at the picture below. It may look like our state decorated with holiday lights; sadly it's a map from the Virginia DMV 2018 Crash Facts Report marking alcohol-related driving fatalities.

Read More    

Does Your Home Insurance Cover Your Small Business?

in insider, homeowners insurance, coverage, claim, car insurance, home insurance, small business, ridesharing, Why home insurance doesn't cover small business, Can I use my personal car insurance for business?, What is business liability insurance? Jun 4, 2019

Do you remember home party businesses? Around 2005, I was invited to a basket party and fell in love with the handcrafted products. My kids were little, I was a stay-home mom, and I needed some adult socialization. I signed up to be an official party consultant and could do parties in the evenings. It was the perfect fit! I didn't even think about business insurance. It was so part-time and right from home. Anyhow, I had homeowners insurance.

Read More    

How Can I Get My Car Ready For a Trip in One Day?

in driving, Virginia, car insurance, travel, vacation, road trip, car, car maintenance, checklist May 21, 2019

Are we there yet? A long road trip is about the same for your car as it is for your family: it's a marathon. Making sure it has everything it needs to get you there can give you peace of mind. It also can help you avoid problems on the road.

Read More