Fake Insurance

Posted on by Brad Smith

One of the most important actions a person can take to protect against the loss of property is to buy insurance. It involves taking time to find what type of coverage is needed, how much coverage is necessary, what insurer to deal with and whether one can afford adequate protection. Unfortunately, insurance consumers have a serious, additional concern….whether the insurance offered is legitimate.

Insurance consumers are frequently being lured into buying policies that turn out to be fakes. The counterfeit coverage is typically for auto and home

coverage and the practice is particularly concentrated in areas that have suffered catastrophes. Fake insurance is also being offered in areas where legitimate insurance has traditionally been expensive.

Sadly, the coverage is often discovered as fake after a loss has occurred and there’s been an attempt to file a claim. In such instances, a duped consumer has not only lost the money paid in “premiums,” they now face an uncovered loss.

If you are searching for insurance, it is important that you do so carefully in order to make sure that your purchase is made from a reputable source. The most prudent action is to ask questions and avoid any situation that raises suspicion. Signs that an opportunity is fraudulent include the following:

    • Insurance premiums that are much lower than what is typically offered
    • Companies that downplay any requirements about eligibility for coverage
    • Sources that attempt high-pressure to hurry you into making a decision
    • “Insurers’ that ask for cash (either down payments or full payments)
    • Lack of information about their coverage
  • Applications that include requests for unnecessary financial or personal information

Your best protection against a high-risk scam is to seek out a qualified insurance professional.

COPYRIGHT: Insurance Publishing Plus, Inc.2017

All rights reserved. Production or distribution, whether in whole or in part, in any form of media or language; and no matter what country, state or territory, is expressly forbidden without written consent of Insurance Publishing Plus, Inc.

Will my auto policy cover damages if someone else is driving my car?

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Lending your car to a friend or relative seems like a nice thing to do. You may trust them completely, and believe that they are the ones who will be held responsible if there is an accident. Due to something called "vicarious liability," you are responsible for what the other operator does. If your friend or relative decides not to pay, you may be able to sue for damages, but you will be held responsible first as the vehicle owner.

At TruePoint Insurance, we can make sure you have a policy which will have limits which are capable of covering all the damages, including property damage and injuries. If the injuries were minor, there will likely be few problems, but you want to be protected in case of major problems. Especially if you want to lend your vehicle to other drivers, you need to make sure your policy covers other drivers. For instance, if you lend your car to your spouse, make sure your spouse is listed on your insurance policy as a driver at your home address.

Another problem could arise if your friend or relative does not have a driver’s license. In that case, you are still responsible for your friend’s actions. You may also have an auto insurance policy which specifically includes coverage of unlicensed drivers, which could leave you personally responsible for all resulting damages. 

The only time you can evade responsibility for the damages when someone else is driving your car is when you did not give that driver permission to operate your vehicle.  If you think you need more coverage, or just have questions, please call TruePoint Insurance and we will be happy to help you.

Insurance Solutions for Kentucky Heavy Duty Pickup Trucks

Posted on by Brad Smith

 “You’ve gotta be kidding me!”  That is the sound of a new heavy-duty pickup truck owner that has just been told that he can’t get insurance.  Unfortunately, your insurance agent probably isn’t kidding you, (s)he most likely can’t or doesn’t know how to obtain coverage for a vehicle that has a GVW of 10,000 pounds or more.  Before heading back to the lot to get your money back pause, take a deep breath and read on.

You can get insurance at a reasonable price

If you have just purchased a F-450 or higher, certain F-350, a Silverado 3500 or any other heavy duty or super duty pickup truck, you may have to find insurance alternatives.  While your agent may not have the ability to insure your truck, there are agents in Kentucky that can.

 

We can help you buy reasonably priced insurance for your new heavy-duty pickup truck.  Learn more about the insurance options available to Kentucky residents by calling a TruePoint Truck Specialist today at (502) 410-5089. 

9 Ways to Prepare Your Boat for Winter Storage

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Living in Fisherville, KY puts some of the most beautiful parts of the country right in your backyard. With winter starting, boat owners need to plan a storage strategy for their watercraft. Proper boat storage prolongs the life of your investment, it keeps it safe from damage and theft and ensures that it’s ready when you need it. Use these tips to make sure your watercraft is wrapped up tight before the winter weather stays.

Clean Everything

  • Empty and sanitize coolers and cooking equipment. Dry thoroughly before wrapping in plastic.
  • Sweep and mop floors, ceilings, windows, and walls. Use a wet-dry vacuum to remove all traces of moisture.
  • Remove rugs, curtains, and other fabric accessories. Take them to the cleaners or run them through the washer. Wrap in plastic for storage.
  • Go through all cabinets and cubbies. Remove anything that could spoil, leak, or cause a fire hazard.

Mechanical Matters

  • Flush the cooling system with water to remove dirt. Drain all water from the engine.
  • Empty the fuel tanks to prevent damage-causing condensation.
  • Use an aerosol cleaner to remove gunk and corrosion from the fuel system and other engine parts.
  • Change the oil and top off other fluids.
  • If you can, remove the starting batteries. Store them in a dry, warm place. Cold weather drains battery power and makes them unreliable even after charging.

Don’t forget to call your insurance company. Most boat insurance policies allow you to suspend coverage when your boat is laid up for the winter.

Need to know more about boat insurance? TruePoint Insurance serves the Fisherville, KY area with policies for all of your important possessions. Contact the agents at TruePoint Insurance to learn more about protecting your motorized toys.

 

Insuring Kentucky Restaurants

Posted on by Brad Smith

      

Restaurants without insurance don't stay in business long. Call TruePoint and speak with a Kentucky restaurant insurance specialist.
Great Home Cooking, Bad Home Cooking, Little Middle Ground The same can be true with commercial insurance agents.

                                               

Factors Influencing Premiums

Obtaining insurance for a restaurant is fairly simple.  However, finding the correct coverages at a reasonable price may be a bit more difficult.  Different cuisines, Franchises versus Mom and Pop, and the processes utilized for cooking are just a few of the factors that may influence a restaurants premium.  Other factors can have a more dramatic impact on premiums.  Alcohol sales, entertainment (such as live music or karaoke) and dance floors may make it harder to find coverage, which by default will push the cost of coverage higher.

 

Restaurant Safety                                               

Don't forget liquor liability coverage. If you have a bar or serve alcohol of any kind this coverage is essential.
Don’t forget liquor liability coverage

Cooking areas are required to have automatic fire extinguishing devices.  Hoods and filters must be in place if grills and deep fat fryers are used.  Additional requirements will be fuel shut-offs, hand-held fire extinguishers, as well as receipts providing proof that inspections and hood cleaning are being performed as required.

insuring restaurants begins in the kitchen. Call TruePoint Insurance for insurance risk profile
Restaurant Safety Starts in the Kitchen

Minimum Coverages

At a minimum, the following factors must be considered before purchasing a commercial insurance policy for a restaurant:

  • Property Coverage-building, equipment, and inventories
  • Autos
    • All vehicles owned by the businesses
    • Employee vehicles should be covered by a hired and non-owned vehicle policy if they are used in business activities (even it’s occasional)
    • It is important that you make your agent aware of any vehicle, owned or non-owned, that is used for delivery
  • Business Income –In the event, your business is temporarily shut down due to a covered cause of loss, restaurants with business income coverage can access their insurance policy for loss of income.
  • Workers Comp Coverage-Is mandated and enforced by each state
  • If you server alcohol, your restaurant will need Liquor Liability Insurance.

This quick summary of restaurant insurance is not meant to be inclusive, nor is it a one size fits all.  Each restaurant is unique and insurance requirements vary.  If you would like additional information regarding a restaurant in Kentucky Tennessee or Indiana, contact a TruePoint Insurance Restaurant Specialist at info@truepointgroup.com or visit our website at www.insuringky.com

Wedding Insurance

Posted on by Brad Smith

Wedding Insurance

It's the most important day of your life. You want it to be perfect, put there are no guarantees. Reduce your risk with a wedding insurance policy.
Who would you risk the most important day of your life? Trust TruePoint to protect your wedding day.

   Weddings, regardless of the current economy, are still quite expensive events. The average cost of a wedding still approaches $30,000. Insurance has become a necessary component to provide special protection for this extremely important, personal event.

Coverages vary, read your policy

Wedding insurance is not standardized, so policy wording can be quite different among the specialty insurance companies that offer protection. Wedding insurance can help protect against the huge expenses suffered if, for certain reasons, the wedding is either postponed or is canceled. Protection can be purchased to respond to loss involving unrecoverable expenses as well as to lawsuits that result from a wedding that is not held as planned.

Policy Coverages

Usually, to qualify for coverage, a wedding’s cancellation or delay has to be caused by an eligible source of loss/disruption such as catastrophic weather, a church where the wedding is to be held suffers smoke damage and is suddenly closed, or the reception caterer closes her business the day before the wedding.

Items covered by the policy are usually expenses that can’t be recovered (non-refundable). Eligible expenses often include the following:

  • Facility Rental (church, reception halls, etc.) Costs
  • Catering Costs
  • Clothing Rental Fees
  • Floral expenses
  • Photographer Fees (in some cases, videographer fees may also qualify)
  • Hotel Costs
  • Transportation Costs (limos, taxi costs for transporting a wedding party or guests incurred by insured or honoree)
  • Air Transportation
  • Other miscellaneous, non-refundable costs

Eligible expenses include those related to the honeymoon as well. Examples of “Other expenses” may be the deposits for services, such as florists, entertainers, etc. Naturally, payment of these costs is subject to the policy’s limit.

Wedding Personal Liability

Liability coverage protects against losses or lawsuits that allege that the insured/honoree is responsible for bodily injury, personal injury or property damage to a third party. However, any claim must be due to an incident that takes place at the wedding (including reception). The coverage obligation includes a duty to legally defend an insured/honoree against claims/losses.

Example: The Bridals are sued by a best man who was seriously injured when the nervous groom turned abruptly to get the wedding ring and knocked the best man off a podium.

Additional Coverage

Many wedding policies offer additional coverages such as:

  • Photographs and Video Coverage
  • Gift Coverage
  • Rented Property Coverage
  • Special Attire Coverage
  • Jewelry Coverage

Your policy may give you the option to add Liquor Liability coverage.  If you plan to sell alcohol this policy should be a requirement.  Open bars?  Your liability is the same whether you are selling or serving.

Weddings are expensive. But cutting corners on the insurance for your big day, well that might cost you more than wedding. Get liquor liability and a professional bartender.
Cut the right corners when planning your wedding.

Do yourself a favor

When some accident comes about to turn the big day into the big cancellation or the big disaster; having wedding insurance could take the financial sting out of the situation.

COPYRIGHT: Insurance Publishing Plus, Inc. 2017

All rights reserved. Production or distribution, whether in whole or in part, in any form of media or language; and no matter what country, state or territory, is expressly forbidden without the written consent of Insurance Publishing Plus, Inc.

Trucking Insurance: Trailer Interchange Coverage

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Trailer interchange insurance provides Physical Damage coverage for non-owned trailers operating under the authority of a trailer interchange agreement. While coverage will vary from policy to policy, the intent of a trailer interchange policy is to cover losses stemming from accidents, theft, vandalism, fire, and explosion.
Understanding the covered causes of loss is essential prior to purchasing a policy. Understanding the amount of coverage, or limit, is essential before binding a policy. At the heart of this issue is the value of the trailer. After all, the entire purpose of this policy is to provide for a replacement trailer of equal value should damage occur under the drivers watch. Be that as it may, coverage limits are predominately a function of the trailer providers. Most providers have a set limit, which typically ranges between $20,000 and $25,000.  Before contracting drivers will be required to show proof of coverage which meets or exceeds their requirements.
Drivers and insurance agents alike, can at times confuse Trailer interchange insurance and Non-Owned trailer coverage. While similar in several ways, they are undeniably, not the same. A simple, two question test should be sufficient to determine which policy fits your needs:
1. Who is responsible for the trailer when it is not attached to your truck?
  • If YOU are, then a trailer interchange policy should fit as it will cover the trailer when not attached to a power unit. The non-owned trailer coverage will only cover the trailer while attached to your truck.
2. Will you be operating under a written trailer interchange agreement?
  • If NO, then a trailer interchange policy will not be the answer. Trailer interchange policies provide coverage only while operating under a Written Trailer Interchange Agreement.
For additional information feel free to visit our website at www.insuringky.com or contact us at (502) 410-5089.

USPS Contract Delivery Service Carriers

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Tired of overpriced insurance? We're helping drivers find great deals on Kentucky auto insurance. Dial (5020 410-5089 and let a TruePoint agent show you what we can do. Need cheap Georgia car insurance. Call TruePoint at (9120 330-1265.
Need help with your car insurance? TruePoint can help!

 

Neither Rain Nor Snow
The Greek historian Herodotus is credited with the saying, “Neither snow nor rain nor heat nor gloom of night stays these couriers from the swift completion of their appointed rounds.” His words were describing the dedicated work ethic of the Angarium, Royal mounted couriers in ancient Persia.
 
Rural letter carriers often struggle to find auto insurance coverage. However it's easy once you find the right agent. TruePoint Insurance can help.
USPS Rural Letter Carriers can get Auto insurance at an affordable price. It’s not as difficult as you might think.
Two thousand years later the famous words of Herodotus are now used to accurately describe another group of couriers, the US Postal Service. Granted lots have changed over two thousand years. Technological advancements and modern transportation systems have simplified the process of accurate and timely delivery of mail. However, not all advancements have made the life of mail couriers easier.
 
For most of us, buying auto insurance is a rather simple process. However, for independent or rural mail carriers, obtaining auto insurance is much more complicated. Finding an agent or broker that is willing to offer mail carrier insurance is a significant challenge. It gets worse; many times those that think they have coverage for their USPS vehicle find out when attempting to file a claim, that they have purchased a policy that does not cover the vehicle while on their route. 
 
The personal cars of rural letter carriers must be covered by a commercial or business policy.   More specifically mail carrier insurance.  While that doesn’t sound like it would create a big problem, it is.
This guy doesn't worry about mail carrier insurance, (rural letter carriers, contract carriers, star routes, etc) they do!
Reasonably prices auto insurance is available for Rural Letter Carriers.
The world we live in postal carriers must still brave the snow and rain.  But that’s not their biggest problem.  Getting through to an insurance agent that a standard personal auto policy will not provide coverage.  The same is true for the standard commercial auto insurance policy, USPS letter carries are not protected.
 
Still, the mail must go through. mail carrier insurance for USPS rural carriers presents a significant problem. However, the transfer of risk doesn’t have to be difficult, nor should rural delivery contractors worry if they have a policy that will provide adequate coverage in the event of an accident. Visit our website at www.insuringky.com or call and speak with a TruePoint agent for a quote that will provide you with USPS vehicle insurance.
 
 

TruePoint Insurance Group, LLC

6287 Taylorsville Rd. Fisherville, KY 40023

6287 Eagle Lake Dr Lawrenceburg, KY 40342

Pooler, Georgia Location to be announced soon

Kentucky and Indiana Rural Letter Carriers: (502) 410-5089

Georgia and South Carolina Rural Letter Carriers: (912) 330-1265

Are You Liable For Summer Fun?

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Ready, Set, Summer!
Summer generally arrives with a huge surge in recreational activity. School ends and parents start searching for leisure and recreational activities for themselves and their children. The activities range from elaborate vacations or summer-long camps to simply buying play and sports equipment (or getting it out of storage) and renewing park and pool passes.
Summer Fun’s Dark Side
One thing to be aware of is that the simplest activities can go wrong. Using sports equipment such as tennis rackets, baseballs, baseball bats, Frisbee’s, lawn darts, or horseshoes has the potential to harm others. Danger accompanies the use of skateboards, bikes, mopeds, go-karts, and radio-controlled cars, helicopters and planes. A larger concern involves inviting friends over to use your driveway, play equipment or swimming pool. Potential liability comes from either you having fun at the expense of other persons or their property, or failing to take precautions that persons you’ve invited to your residence (or other places) are safe to enjoy themselves.
How to Preserve Your Fun
The easiest way to prepare for your summer liability is to ask the questions:
What can I do to keep other persons safe from my activities?Am I prepared to be responsible for people I hurt or property I damage?How do I make my home and yard safe for fun-seeking visitors?Am I keeping my guests to various events safe?
While accidents happen, many can be prevented by making sure that you and your children enjoy your activities responsibly. Operating bikes safely and in low traffic areas reduces the chance that others will be hurt. The proper use of games and equipment also make the likelihood of having someone injured more remote. In other words, it’s important that your family uses sports and game equipment safely and appropriately. Adult supervision is critical for potentially dangerous activities such as the use of motorized recreational equipment, trampolines, and swimming pools (including small wading pools). It’s also important to make certain that guests you invite for camping or hiking trips are watched after carefully. In many instances, you are responsible for the safety of your guests when you invite them to enjoy outdoor activities, particularly boating or other activities involving water-related equipment.
Home Inspection
Another way to reduce the chance of others being hurt is to do an inspection of your home and yard. Do you have an adequate fence (with secure or self-locking gate) to protect young children from a pool when you’re not around? Is your playground equipment well-maintained and strong enough to support the weight of the children using it? Is your yard and driveway free of tripping hazards? Are dangerous items such as tools, chemicals and lawn equipment kept out of reach of children? If you can answer “no” to any of these questions, you’re inviting trouble.
Insurance Plays a Role
When accidents happen, they may be followed by medical expenses and, more seriously, lawsuits. You must be protected against such financial consequences. Don’t assume you have coverage, especially when an activity involves motorized or powered equipment. You may have to add coverage to your homeowner policy or even buy special coverage for mini-bikes, mopeds, boats, all-terrain vehicles, etc.
So make safety a part of getting ready for summer fun. It’s also smart to include a visit or call to your insurance professional to make sure you have the right coverage to support a fun summer.
TruePoint Insurance Group, LLC
6287 Taylorsville Rd. Fisherville, KY 40023
1085 Eagle Lake Dr. Lawrenceburg, KY 40342
(502) 410-5089
COPYRIGHT: Insurance Publishing Plus, Inc. 2016
All rights reserved. Production or distribution, whether in whole or in part, in any form of media or language; and no matter what country, state or territory, is expressly forbidden without written consent of Insurance Publishing Plus, Inc.

Enjoying the Great Outdoors

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Campers love Kentucky! The Commonwealth has earned a reputation for summertime fun. Campground owners and operators have played a significant role in this by offering venues that are clean, fun and most important safe. Keeping all parts of your operation in good working is essential, but things don’t always go as planned. That’s when you find out how important it is to have a good insurance company behind you.

TruePoint specializes in campgrounds for tourist and tent camping, RV campgrounds, and camps for many types of organizations. TruePoint has the ability to provide coverage for campgrounds offering long term leases, seasonal operations, and facilities that are open year round. Need coverage for a marina or dock? No problem. Are you having problems with coverage do to activities (Horseback riding, rock climbing, archery, etc.) your facility offers? Give TruePoint a call!
Why TruePoint?
• The agency partners with the industries best carriers to provide coverages that are designed specifically for campground-related business.
• TruePoint Customer service; It’s like we work for you.

• Access to multiple carriers that provide your business with all lines of property/casualty coverages including Auto, Property, General Liability, Workers Comp, Crime, and Umbrella.
TruePoint Insurance Group, LLC
6287 Taylorsville Rd. Fisherville, KY 40023
1521 Field Stone Dr. Lawrenceburg, KY 40342
(502) 410-5089
TruePoint Insurance Group, LLC is not licensed to practice law, nor can it provide legal counsel. This summary is not intended as a legal opinion. We cannot warrant that the opinions and representations provided in this summary are accurate. TruePoint Insurance Group, LLC has provided this summary of the Virginia Graeme Baker Act for your awareness. The summary may or may not identify your requirements as a pool or spa owner. If you own a pool or spa you are advised by TruePoint Insurance Group, LLC to refer your specific situation to legal counsel.