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Hey, does the air bag in this thing work? |
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By Wake Clinard on
4/27/2009 11:26 PM
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If you’ve ever shopped for a used car you are probably a pretty savvy buyer after the experience was over. But did you check the air bag? It turns out that airbags are a quick and easy part for thieves to remove from the car. And since few buyers think to check for this part, most get away scott free.
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The Dealers Open Lot Deductible Trap |
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By Wake Clinard on
4/27/2009 2:51 PM
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Clinard Insurance Group, in Winston Salem, NC, specializes in handling the insurance needs of used car dealers in North Carolina, South Carolina, Georgia, Virginia and Tennessee. With so many clients in this industry, I thought I should speak out about a little known provision in the dealers open lot coverage that creates a nasty surprise for many dealers after a claim has occurred. I call it the comp deductible trap.
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Garagekeepers Insurance – Direct, Legal Liability, Primary and Excess - what are these choices now? |
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By Wake Clinard on
4/20/2009 9:28 AM
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The Garage Liability policy is one of the most misunderstood types of business insurance policies. It is a unique type of policy and many seasoned professional insurance agents don’t really understand it well. Attached to the garage liability policy, one often finds a coverage called garagekeepers insurance. At Clinard Insurance Group in Winston Salem, NC we understand this form very well and in part 2 of my blogs on garagekeepers insurance I hope to continue to clear up some of the confusion about this policy form.
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Garagekeepers Insurance – How Does It Really Work? |
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By Wake Clinard on
4/13/2009 2:38 PM
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The Garage Liability policy is one of the most misunderstood types of business insurance policies. It is a unique type of policy and many seasoned professional insurance agents don’t really understand it well. Attached to the garage liability policy, one often finds a coverage called garagekeepers insurance. At Clinard Insurance Group in Winston Salem, NC we understand this form very well and I hope to shed some light on this to eliminate some of the confusion that business owners often have about this protection.
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Isn’t There A Grace Period? |
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By Wake Clinard on
4/6/2009 8:19 AM
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Over the years at Clinard Insurance Group, helping people with their insurance needs, I have heard this question many times. It doesn’t matter if they are talking about auto insurance, home insurance, general liability insurance or workers compensation insurance, people still assume that there is some magical grace period that allows them to pay their insurance payment after the due date. I’m not sure exactly where the terminology comes from but I think I have an idea where the concept arose.
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The NC Teen Driver Loophole - This simple trick could save you hundreds of dollars |
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By Wake Clinard on
4/1/2009 6:57 AM
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In North Carolina, there is an old loophole in the car insurance rates for young drivers which has technically been closed but with the right help, you can still put this to work for you and cut your auto insurance costs by hundreds of dollars each year. At Clinard Insurance Group in Winston Salem, NC, we specialize in helping families with teen drivers and we know exactly how to make this loophole work for you
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The General Liability and Workers Compensation Insurance Policy Audit Trap – A Cash Flow Disaster. |
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By Wake Clinard on
3/30/2009 8:20 AM
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If you are business owner or the manager of a business, then you probably have some working knowledge about general liability insurance and workers compensation insurance. At Clinard Insurance Group in Winston Salem, NC, we specialize in insuring contractors and other small businesses who need these types of policies. And we have found time and again how many small businesses are seduced into the cash flow nightmare I call “the audit trap”.
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XCU – Don’t let this stealth exclusion ruin your General Liability Policy |
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By Wake Clinard on
3/23/2009 9:47 AM
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What few people outside of the insurance industry know is that on your policy you will find what is covered by looking at the exclusions, not the coverage section. And unfortunately there is an optional exclusion on the general liability policy that can sneak up on people, particularly contractors. At Clinard Insurance Group in Winston Salem, North Carolina, we specialize in helping all kinds of contractors, from small artisan contractors to larger, heavy equipment contractors so we make it a point to keep an eye on this exclusion for our clients.
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NC Homeowners Crisis Is Brewing – Part I |
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By Wake Clinard on
3/16/2009 8:57 AM
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In North Carolina there is a major homeowner insurance availability crisis brewing and recent actions tell us that this crisis is about to reach a tipping point. By this time next year many people may have trouble finding insurance for their home… at any price.
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