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Hecht Insurance Advisors, LLC Blog

How to Choose the Right Auto Insurance Coverage for You

4/9/2023

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Picture Credit: www.epictop10.com

How to Choose the Right Auto Insurance Coverage for You
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Auto insurance is essential for anyone who drives a car. It provides financial protection in case of accidents, theft, or damage to your vehicle. However, with so many coverage options available, choosing the right policy can take time and effort.  In this blog post, we'll provide you with tips on choosing the right auto insurance coverage for your needs.
Understand the Different Types of Auto Insurance Coverage: There are several types of auto insurance coverage, including liability, collision, comprehensive, personal injury protection, and uninsured motorist coverage. Understanding what each type covers can help you choose the right policy for your needs.

Evaluate Your Coverage Needs: Assessing your driving habits, vehicle type, and personal circumstances can help you determine the coverage level you need. For example, if you have a new car, you’ll probably want to choose comprehensive coverage to protect against theft and damage.

Consider Your Budget: Auto insurance premiums vary widely depending on your coverage level, driving history, and other factors. Consider your budget when choosing your coverage level to ensure you can afford your monthly premiums.

Research and Compare Insurance Providers: Researching and comparing insurance providers can help you find the best policy for your needs. Look for providers with a good reputation, competitive rates, and excellent customer service.

Ask for Discounts: Many insurance providers offer discounts for safe driving, bundling policies, and other factors. Ask your insurance agent about available discounts to lower your premiums.
Choosing the right auto insurance coverage can be overwhelming, but understanding your coverage needs, evaluating your budget, researching and comparing insurance providers, and asking for discounts can help you find the best auto policy for your needs. And, have an independent insurance agent on your side will save you time and effort in finding the right auto insurance coverage for your needs.  At Hecht Insurance Advisors, we offer affordable and comprehensive auto insurance policies that provide financial protection and peace of mind. Contact us today for a free quote and learn how we can help protect you and your vehicle.
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Adult Children on Your Policies Can Create Coverage Gaps

2/28/2020

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​Adult Children on Your Policies Can Create Coverage Gaps

These days, many families are assisting their adult children financially far longer than parents of earlier generations. And that kind of support for college, and sometimes basic survival, can create insurance coverage gaps for the adult child that can be a major risk to their parents' financial wellbeing.
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If you have an adult child who is still financially dependent on you in some way, it's critical that you secure appropriate insurance coverage. Issues that will affect coverage include if they are a full- or part-time student, where they live and how old they are.
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Homeowner's insurance

Under a homeowner's policy, the insured is limited to:
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  • Residents of your household who are your relative, and
  • A student enrolled in school full time, as defined by the school, and under the age of 24-29 (this varies depending on the policy and carrier, so check your policy).
 
This causes issues for some people, as many children are still in college beyond the policy cut-off date. You could run into coverage gaps for their contents and personal liability if:

  • They are older than the cut-off age on your policy,
  • They aren't a full-time student, or
  • They are living away from home.
 
The picture gets murkier these days as well because many parents are renting an apartment or buying condos for their adult children to live in. Some parents may mistakenly think that since they are footing the bill, their insurance may still cover their adult child. But that's not the case.
 
Auto coverage

Typical auto insurance policies will include family members under the coverage. The standard policy form defines a family member as "a person related to you by blood, marriage or adoption who is a resident of your household." 

For your adult child's vehicle, insurance coverage is determined by:

  • Who owns the title on the car.
  • Who is listed on the policy as a named insured or additional insured.
  • Where the child is living.
 
As you can see, even if a parent owns the title of the car and it's insured under the parent's policy, if the adult child is driving the vehicle and lives on their own, they could run into coverage issues in certain instances.

The following scenarios could leave you with coverage gaps:

  • If a vehicle is co-titled or titled solely to the child, but the child isn't listed as an additional insured or named insured on the parents' policy.
  • Your child borrows a friend's car (which the friend had not insured) for the day, gets in an accident and injures the driver of the other car.
  • Your child rents a vehicle, doesn't buy the insurance offered by the rental car company and then is in an accident.
  • Your child is hit by an uninsured motorist while walking across the street. There is no medical payments or uninsured motorist's coverage for their own injuries.
  • Your child is at a concert and accidentally bumps someone off the edge of the stadium bleachers, causing severe injuries. There's no coverage for the injuries caused to that person.
 
If you have an adult child on your policy, play it safe and give us a call so we can go over your policy and circumstances with you to identify any possible coverage gaps. 

Without the proper insurance protection for injuries and damages, you risk significant financial liabilities that you may not be able to cover.

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The Future of Insurance with Smart Cars

2/11/2020

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The Future of Insurance with Smart Cars

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​With more cars connected to the web, helping us navigate, talking to other cars as we zoom down the road and sometimes even driving for us, it won't be long until our autos can also make an insurance claim for us after an accident. 
Consider that more cars are being built with sensors and technology that allows them to communicate with external parties. It's not hard to imagine that the car could communicate immediately with emergency services and your insurance company if there is an impact. 
The emergency authorities could be notified in real time with detailed information about the condition of the vehicle and the location of the accident.
Insurers are currently teaming up with tech firms and are developing programs that would prompt your vehicle to report immediately to your insurance company's data center if it's been in an accident, which could start the claim. These programs could also:
  • Arrange for immediate roadside assistance.
  • Arrange for a replacement vehicle or rental.
  • Provide a data-rich first notice of loss to your insurance company.
  • Assess the vehicle damage using onboard sensors and using predictive analytics to determine the cost of repairs.
  • Create predictive estimates and parts requirements lists, and then send that information to dealers or parts procurement companies.
  • Identify which shop is best positioned to repair the vehicle, based on shop scorecards and availability.
  • Keep you informed of what is happening at all times, via mobile communications.
 
Right now, all of the technological parts of this puzzle are in place, and insurers are working with tech companies on apps to make it happen.
Pioneering partnerships
Insurance companies are also currently working to create partnerships with auto manufacturers to make all this a reality.
The most notable of these partnerships involves General Motor's OnStar system, with the auto giant having secured relationships with about a half dozen auto insurance companies already in the US. 
In Europe, BMW and Allianz have a similar partnership.
The evolution is ongoing, but in the next few years, as cars become smarter, it won't be long until we see the next stage in development for car insurance that will make your life easier and also give you an added sense of security.
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600 Lee Highway
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(540) 712-2199​
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