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Accident Without Injuries Etiquette

Your teenage daughter misjudges the space when she goes around a turning vehicle, and just taps the car’s right rear bumper.  The other driver, an older woman, appears unhurt. She says, It’s Easter time, and I’m fine.  Let’s just forget about it.  You were riding with your daughter and...

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Interview with Fowler & Associates

Local Website www.BayAreaForSale.com <http://www.BayAreaForSale.com> interview with Fowler & Associates Owner Justin Fowler   Many people have questions about homeowners insurance, we focused this article on the most basic questions that people ask about home insurance. For individual questions, please contact us. Additionally, if you have specific home insurance topics...

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Strangers on Your Property and Attractive Nuisances: What’s Your Liability Exposure?

Strangers may come onto your property for all sorts of reasons:  a child chasing a ball that accidentally landed in your yard; a meter reader; customers for a yard sale, etc.  What’s your liability exposure, and does your homeowner’s insurance policy provide the coverage you need? There is normally...

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Why You Need an Umbrella Policy?

Do you have enough liability insurance?  If there were a vehicle accident for which you were at fault, and a child were permanently disabled, would your auto liability policy offer enough coverage to pay for the skilled care the child would need for years to come?  If a young...

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Let an Umbrella Policy Be Your Safety Net

There comes a certain point in your life when you can look back with a sense of pride at what you have been able to accomplish. Your hard work has paid off and you now are the proud owner of a nice house, a great vacation home, a luxury...

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Sobering Statistics About Cell Phone Use While Driving

What’s the truth about using cell phones while driving?  Are they merely, as some claim, another unavoidable distraction, like talking to other passengers, eating, or changing the tape or CD?  Or are they far more deadly, and costly to drivers and insurance companies alike?  If they are more deadly,...

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Safety First? Aye Captain!

Whether you are in Maine or Minnesota, San Diego or Sandy Hook – if it’s summer, it’s boating season.  Not to rain on your nautical parade, but before setting sail, revving up the engine, or manning the oars as the case may be, think about these few safety tips...

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Umbrellas Are Not Just for Rainy Days Anymore

One of the most important insurance policies you can buy is the personal umbrella policy, but many people are unaware they need one. Consider that lawsuits happen every day and if you were sued, would you have enough money to cover your attorney’s fees and possible judgments? Most homeowner’s...

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Umbrella Insurance Protects You from More than Just Weather

Although you have probably heard of umbrella insurance, there’s a good chance you have no idea what it is. An umbrella policy is designed to protect you from almost everything that your homeowner’s and auto insurance policies do not, as well as fill in gaps in coverage when the...

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New Federal Law Protects Consumers from Inaccurate and Misused Credit Information

The U.S. Congress has responded to consumers’ fears of identity theft and complaints about the use and accuracy of credit reports as well as other consumer concerns by passing the “Fair and Accurate Credit Transactions Act of 2003.” Here’s a look at some of the areas covered by the...

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What Tort Reform Means to You

You’ve probably heard the term tort reform.  You may think it has something to do with the big jury awards you’ve heard about in the media.  You may even believe the reason we need tort reform is to limit the monetary damages Joe and Jane Citizen can collect when...

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Who Pays for Damages When Your Tree Falls on a Neighbor’s Property?

Trees are a wonderful addition to your home’s landscape, but they can also cause real problems if a heavy wind topples one, and it lands on your neighbor’s property and damages their home. Who is legally responsible for paying to repair that damage? If you answered, “I am,” you...

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Ensure Your Next Party Doesn’t Turn into a Liability

There’s nothing like the combination of good food and good friends. Whether it’s a potluck dinner for a few of the neighbors, or a wedding for 500 guests, these are events that make memories. However, those memories could easily turn into bad ones if one of your guests leaves...

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Be Proactive to Prevent Identity Theft

The prevalence and cost of identity theft appears to be growing. This insidious crime can have far-ranging and long-lasting consequences for its victims. Being aware of ways in which your identity can be stolen, and taking steps to prevent this event from happening, can save you time, money and...

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Act Quickly to Minimize Damage from Identity Theft

Identity thieves steal in countless ways from their victims. Victims may discover that identity thieves have made charges on or withdrawals from their accounts, opened new credit cards or taken out loans in their names, or even filed for bankruptcy using the stolen identity. Victims may find that their...

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Your Roommate Wrecks Your Car – Who Pays What?

If your roommate borrows your car and causes an accident, who pays what? If you both have auto insurance, your insurance will pay first and you’ll be responsible for your deductible. Your auto insurance policy insures your vehicle plus you, any relative, and anyone else using your car if...

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Erin Brockovich Brought Mold to the Attention of Homeowners, Insurers Everywhere

The toxic mold issue gained national attention when activist-turned-celebrity Erin Brockovich testified before the California legislature in 2001 that she, her husband, and their three children were battling mold-related illnesses due to fungus that had contaminated their home. Since then, homeowners everywhere have been curious about the more that...

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Five Reasons You Might Want to Get Under an Umbrella

Umbrella insurance policies can be an important feature of personal financial plans. They provide additional insurance that takes over when a claim uses up all of the homeowner’s or auto insurance. They even cover some losses that home and auto insurance do not cover, though the policyholder must pay...

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Protect Your Assets with an Umbrella Policy

Hopefully, you will never be served with legal papers and involved in a costly lawsuit. But in the event you are, it will be imperative that you have the insurance to cover your legal liability. That’s where a personal liability umbrella policy can help. Umbrella policies supplement the liability...

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Don’t Be CLUE-less When It Comes to Insuring Your House or Vehicles

You’re about to buy a new home or new car and you believe you’ve found the perfect one for you.  You need to insure your new treasure, but for some reason you can’t find a carrier to cover it.  Is there any way you can find out why you...

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Talking on the Phone While Driving Could Cost More Than You Realize

Americans can’t be parted from their cell phones, especially when they are driving.  A recent survey conducted by The National Highway Traffic Safety Administration indicated that approximately 10 percent of drivers on the road are talking on their cell phones when behind the wheel.  This is a 25 percent...

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What’s the Deal With Generic Crash Parts?

If you were to hang around the inventory area of any major independent auto repair shop, you’d hear the statement, “Parts are parts.”  In short, generic, also called aftermarket, parts will be perfect clones of those from the automaker, or original equipment manufacturer (OEM). The initial introduction of aftermarket...

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What’s the Deal With Generic Crash Parts?

If you were to hang around the inventory area of any major independent auto repair shop, you’d hear the statement, “Parts are parts.”  In short, generic, also called aftermarket, parts will be perfect clones of those from the automaker, or original equipment manufacturer (OEM). The initial introduction of aftermarket...

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PIP and No-Fault-Is “Reform” the Wave of the Future?

More and more states are abandoning the PIP/No-Fault form of auto insurance in favor of a tort-based set of laws.  PIP/No Fault originated in the 1930s as an alternative to the often slow and expensive process of litigating claims.  The intent was to speed up the process by shifting...

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Bloggers Should Ensure Liability Coverage Is Up to Par

Over the past several years, millions of people have begun writing weblogs (or “blogs,” as they are more commonly known.) There are as many reasons for blogs as there are blogs. Some people keep them as a journal to let distant friends and relatives know what’s happening in their...

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