Here in the insurance world, we often hear customers make statements to the effect that their golf cart is covered by their homeowners policy and that they do not need a specific policy for it. They are rarely right, AND only to a MINIMAL extent.
Most homeowners policies will provide some very basic, limited coverage while you are using your golf cart on your residence premises or while used for "golfing purposes". Well, if you own a golf cart, you probably use it for more than "golfing purposes". Let's talk about this. Have you ever stopped off at the store on your way home from the golf course? Have you ever stopped by a friend's house to visit? Do you sometimes grab your spouse and head out for an afternoon drive just for fun in your golf cart? Well of course you have! And who doesn't?!
Golf carts are a lot of fun, but they can also get you into financial trouble and jeopardize everything you have worked for. Let's take a scenario. You decide to hop in your golf cart and take your wife and grandkids to your friend's house down the street. While you are on the way, you stop to talk to another friend out walking. After a few minutes of conversation, you say goodbye and start to take off, but you run over your friend's foot. He is not very happy about this and in a lot of pain. This little incident could easily put you into a major liability lawsuit.
Did you know that could get legal defense and liability protection for this type of situation for generally less than $100 per year and get coverage for you and your family and your golf cart??
Contact me to find out how I can help you protect yourself. You'll be glad you did!
- Bryan Jamison
- I started my career in the insurance protection business with Allstate in August 1994, and have elevated our agency to one of the best in the business. I am married, live in Georgetown, and just enjoy life. I attended Stephen F. Austin State University and Texas A&M University, and graduated with a BS in Physics and Mathematics.
Tuesday, June 28, 2011
Friday, May 13, 2011
Well, I guess that all depends on if you have experienced this first hand or now. I first experienced this in college when a good friend was hit by a driver with only state minimum liability protection…at the time that was only $20,000 in coverage for my friend.
Stephanie was a student at SFA. She was rear-ended in an accident, and experienced chronic back pain as a result. She had trouble carrying her books to class, sleepless nights of pain kept her up and affected her grades, and medications kept her budget tighter than expected for the rest of her college years. Fortunately for Stephanie, her family was financially able to help her through and Stephanie is doing well today.
Many of these issues could have been minimized if Stephanie would have paid a little extra per month and purchased Uninsured/Underinsured Motorist coverage on her auto policy. It would have picked up where the person at-fault’s coverage ended, paid for much of Stephanie’s therapy to make her back feel better, paid for her doctor visits and medications, and helped pay the time she had to take off from work to go to therapy and the doctor.
I strongly encourage you to learn more about this coverage and to know that you have all if it that your policy will allow. It is a great coverage that you and your family will be so glad that you have when the situation arises and someone else injures you in an accident.
Tuesday, April 12, 2011
So what's more important to YOU - watching TV or making sure your family will be ok financially if something were to happen to you?
We often get into our daily routines and spending money on the things that make us "feel good". We enjoy nice meals eating out on a regular basis, a visit to a local bar for a drink or two with a friend, or making sure that we have so many channels at home that channel surfing should be a sport! It is rare that you will run across a family anymore that does not have a TV. In fact, the average household has more TVs than people. And, of course, there is a cable or satellite bill associate with it.
As an insurance agent, I like to help people, and I like to help people understand that protecting their family is very important. Let's face it, people die everyday - some expected, but many unexpected. We generally find that less than 12% of families have adequate life insurance. Sure, many people have small life insurance policies through their work, but that is usually only enough to cover some final expenses and medical bills and a few months of the family's then missing income. People do not always think about the additional cost of care for children, or elderly parents, or college funding, or ongoing income that the deceased spouse would have generated. The part I find saddening is that outside of this 12% is a remaining 88% that find eating out or watching TV to be a higher priority than taking care of their financial responsibilities to their family.
So today, after reading this, take a moment to put yourself in your spouse's shoes, and ask yourself if you have done all that you can to protect them if you are gone. Then, later today, look into their eyes and think about your answer...I hope you feel good about it.
Protect your family. It's important.