Commercial Property Insurance Fundamentals
Every business owner should understand the fundamentals of commercial property insurance. You might assume that you only need it when you have a large facility or multiple buildings on your property, but every business owner should consider investing in commercial property insurance. Here are some of the things that you need to understand. Commercial Property Coverage Applies Even For Home Businesses If you have put off investing in commercial property coverage because you own a home-based business and assume that your homeowner's policy will cover any potential losses, you might be surprised.
Factors To Consider When Customizing Your Home Insurance Policy
The right home insurance policy can help you reconstruct your home or replace damaged or lost items. Customizing your policy for your circumstances is the best way to determine the right home insurance. Below are the factors to consider when customizing your homeowner's insurance policy. Location Your home's location determines some of its threats. For example: The location determines the risk of flooding and wildfires Some areas have lower crime rates than others A home near a fire station has a lower risk of fire damage than a comparable home without a nearby fire station Evaluate these risks to help you determine your home's threat level.
Purchasing Business Insurance: 4 Mistakes To Avoid Making
Many business owners put in a lot of effort to ensure their business succeeds. One way to ensure a business's success is by taking business insurance coverage. It is a crucial policy, so avoiding making mistakes while taking this insurance coverage is advisable. This is because your business may end up suffering huge losses. So, to prevent major issues later, check out a few mistakes worth avoiding. Failing To Insure Your Business Adequately
3 Ways To Save Money On Your Commercial Insurance
As a business owner, you look for ways to save money anywhere you can. Every dollar you spend affects your profit margin. One area to consider when looking for cost savings is your commercial insurance premiums. While commercial insurance is necessary, there are ways to reduce the costs while maintaining the coverage you need. Here are a few things to try. 1. Use A Commercial Insurance Broker Both an insurance agent and broker can help you purchase the necessary commercial insurance products your business needs.
3 Tips To Reduce Your Car Insurance Costs
There are three types of car insurance: liability, collision, and comprehensive. Liability coverage pays for damage to other people's vehicles and is a mandatory requirement for all car owners. Collision coverage caters to the damage to your vehicle in an accident, while comprehensive policy takes care of destruction by natural disasters and vandalism. Your car insurance price will depend on factors like the age and make or model of your vehicle and the risk of theft.
SR-22 Insurance | Everything You Need To Know
If you've been asked to get SR-22 insurance, you might be wondering what it is and how you are supposed to get it. Here's everything you need to know about SR-22 insurance, FR-44 insurance, and more. What is SR-22 Insurance? SR-22 insurance is a type of auto insurance that is required for high-risk drivers. If you have been involved in a serious traffic violation, such as a DUI, or if you have been caught driving without insurance, you may be required to get SR-22 insurance.
3 Benefits Of Hiring A Car Insurance Agent
Car insurance comes with many perks. If you injure someone in an accident, a comprehensive policy will help you pay for all the liabilities, including legal fees and the victim's medical bills. Also, the policy will take care of the person's lost income if incapacitated and unable to return to work. Moreover, an insurance cover will also pay for your car's repair. For instance, your vehicle can get damaged due to hail or other elements.
Features That Make Indexed Universal Life Insurance A Good Choice
Indexed universal life insurance combines investing with life insurance, and it does so in a unique way. Here are the features that make indexed universal life insurance generally a good option for life insurance. Lasts for the Duration of Your Life Universal life insurance is designed to provide coverage for the entire duration of your life, eventually paying death benefits whenever you pass away. Even if you pass away late in life, this type of policy can still pay benefits to your loved ones.
Choosing Your Home Insurance Coverage: 3 Important Things To Remember
Your home insurance policy will provide you with some very important financial protection in the event anything ever happens to your home. However, in order to ensure you have all of the protection you need, you will need to first ensure you are choosing a policy that offers the coverage you require. The most effective way to do this is to work closely with an experienced home insurance agent and to keep the following three factors in mind when selecting your coverage options.
An Overview Of Car Insurance Liability Coverage
Liability coverage is one of the most common forms of auto insurance because it's mandatory. However, many people still don't understand the coverage. Below are a few things you should know about auto insurance liability coverage. It Pays Multiple Things Your liability coverage pays two main categories of damages. First, the coverage pays for your legal defense if someone accuses you of property damage or bodily injury. Say a pedestrian accuses you of knocking them down and causing them injuries.
Three Major Reasons For Consulting An Auto Insurance Agency
Today, most people have cars since they are convenient. They use these vehicles for personal and commercial undertakings, such as traveling to work and transporting large shipments. As such, you must take care of your car to ensure it lasts long and mitigate the risks associated with vehicle ownership. One way to insulate yourself from the risks of vehicle ownership is by obtaining a comprehensive auto insurance policy. These policies are essential, and they protect vehicle owners from risks, such as damage, theft, and vandalism by compensating them for the financial losses incurred.
Seven Things To Do Before You Choose A Home Insurance Agency
It's important to put careful thought and effort into choosing the right home insurance agency. Choosing the right home insurance agency will help you to get adequate home insurance coverage for your needs. The following are seven things to do before you choose a home insurance agency. Find out which insurance providers are available in the area One of the first things you should do is make yourself aware of the options.
Business Income And Extra Expenses Insurance — What You Should Know
Interruptions in business operations due to things like natural disasters, fires, or break-ins can cripple a small business. One of the best ways to protect yourself against this financial risk is to carry two important pieces of business insurance: extra expenses insurance and business income insurance. What are these and how do they work together to maximize protection? Here's what you need to know. What Is Business Income Insurance? Business income, or business interruption, insurance helps pay for lost revenue after a covered incident.
Is Pay per Mile Motorcycle Insurance Right for You?
Are you struggling to choose between a standard motorcycle insurance policy and a pay-per-mile motorcycle insurance policy? If so, taking the time to answer the questions outlined below can help you to determine once and for all if a pay-per-mile policy may be the right option for your motorcycle insurance needs. Does Your Use Of Your Motorcycle Fluctuate Frequently? Do you ride your motorcycle frequently some months and then not at all during other months?
These Lifestyle Factors Could Affect Your Home Insurance Quote
Do you have plans to get home insurance for the first time? If so, you might wonder what factors insurance companies use to formulate policy costs. There are a number of factors that an insurance agency can use for quotes. This is why homeowners with homes of the same size, with the same features, and in the same area might have different quotes from the same insurance company. Lifestyle and other factors can impact monthly premium costs.
Different Types Of Liability Insurance Protection Your Business May Need
Liability insurance protects businesses from the legal fees of nuisance lawsuits, helps businesses cover the costs of judgment against them, and can be essential for saving your business from financial ruin over legal actions against you. Buying liability insurance can be a tricky process. You don't want to buy more insurance than you need. On the other hand, you don't want to find out, after the fact, that you don't have critical liability insurance protection.
Say Goodbye To High Monthly Premiums For Your Homeowners Insurance
While maintaining quality homeowners insurance coverage is a vital part of being a responsible homeowner, finding a way to balance this need and your budget at the same time can be difficult. This is especially true for homeowners who require add-on coverage options such as additional flood insurance or hurricane coverage. Thankfully, no matter how much coverage you need, it is possible to start saving money on your monthly premiums using the moving saving tips outlined below.
3 Important Things to Know Before You Purchase Workers Compensation Insurance
If you own a business and you employ anyone outside of yourself, chances are, you need to carry workers' compensation insurance. However, before buying a worker's compensation insurance policy, there are a few things you need to understand and know about the coverage and what steps you can take to keep your costs affordable. Thing #1: The Very Basics Workers compensation insurance is insurance that you carry to protect employees who either get hurt or ill due to the work that they are going for you.
3 Important Things To Understand About Medicare Advantage Part C Plans
When it comes to Medicare, you need to be aware of multiple different types of insurance. To start with, there is original Medicare, which is classified as Part A and Part B, and then are there Medicare Advantage Plans, or Part C, which are offered by private insurance companies but meet the government standards. If you quality for Medicare, it is important to understand how Medicare Part C coverage works.
4 Reasons You Need A Homeowners Insurance
Owning a home is an incredible achievement. For most people, a home represents their most valuable investment. Unfortunately, your home is not free from negative occurrences like burglary, fire, and damage from elements, which is why you need to protect yourself and your property by investing in homeowners insurance. Read on to learn the benefits of a homeowners' insurance policy. 1. Protects Your Home and Other Detached Structures Your home is your main dwelling, and any damage that occurs is bound to affect your quality of life.
Should You Change Your Auto Insurance When You Get A New Car?
When you get a new car, it's important to make sure you have the right insurance. You worked hard to make that purchase and want to protect it. Here's what you need to know. Check Your Coverages When you buy a new car, it's important to check your coverages. The most important are your collision and comprehensive coverages. These are what pay for damage to your car. Many drivers of older cars drop these coverages to save money on insuring a car that isn't worth much, but you'll probably want to add them back if you have a new car.
What Factors Will Impact Your Auto Insurance Rate?
If you are thinking about switching auto insurance rates or you are getting auto insurance for the first time, you might wonder what kind of rates you should expect. You aren't alone. In fact, many people wonder what kind of rates to expect when they get car insurance. Here are a few components that could impact your rates. First, Understand the Steps of Determining Your Rate Your rate will be determined by several factors, but two steps are involved in deciding your specific rate.
What You Can Do To Find The Right Car Insurance Plan
If you are trying to protect yourself when you drive, you have to have an auto insurance plan. These plans will help you out if you get hurt and have to go to the hospital, get your vehicle fixed, have the car replaced, or anything else that comes with a car accident. By looking into car insurance policies that are affordable, you can stay within your budget right while protecting yourself every time you drive.
3 Ways To Reduce Your Home Insurance Premiums
Want to have home insurance but don't want to pay top dollar for it? You're likely looking for ways that you can lower that annual premium you pay to protect your home. Here are a few ways that you can do it and still have home coverage that works for you. Increase Your Deductible The main reason to have home insurance is to cover a big loss in the event that your home is destroyed.
5 Tips For Lowering Your Car Insurance Premiums
Car insurance is an important thing to have, but it can get expensive. This is especially true if you have a poor driving record or low credit score. However, you can still take steps to get a better rate on your insurance. Here are a few tips for reducing your auto insurance premiums. Take a Defensive Driving Course If you have a lot of points on your driving record from multiple moving violations, your car insurance premiums can go up.
Protect Your Engineering Firm: How Professional Liability Insurance Can Protect Your Company
If you own your own thriving business, you know that you need insurance protection. But if you own an engineering firm, the insurance you currently have might not provide you with all the protection you need. This is especially true if you haven't invested in professional liability insurance. Professional liability insurance provides safeguards that are designed to protect you from lawsuits and other risks that might undermine your career. Before you go another day without professional liability insurance, read the list provided below.
Insuring a Teen Driver? How to Get the Best Rates on Their Coverage
It's an exciting time when teenagers finally get their driver's license. They can finally be responsible for their own transportation. If your teen has reached that point, you might be ready to get them their own car. If that's the case, you'll also need to be ready for the insurance. Now's the time to find ways to reduce the cost of their insurance coverage. Some of the mistakes you make with your teen's insurance coverage can be quite costly.
A Medicare Insurance Advisor Can Help You Tremendously
For many people, Medicare is an entirely different world. Not only do you have to choose a standard plan, but you also have to choose from supplemental plans, prescriptions plans, and a host of other options. The entire process can feel overwhelming, and it is very possible that you could make the wrong choice based on your needs. It is often safer, and less stressful, to partner with a Medicare insurance advisor to assist you with the process.
How To Get The Right Car Insurance Plan
Today, the field of insurance contributes to more than 3 percent of the United States' gross domestic product (GDP). You definitely need to shore up your insurance needs for the things you do every day. Read below to learn more about shopping for car insurance policies that will help you out. Assess the current insurance plan you have and whether it needs some tweaks First and foremost, take a look at your current insurance plan to see how it's serving you.
Lower Your Commercial Insurance Costs With Improved Loss Prevention Strategies
When it comes to loss prevention, it pays for retail owners to take this matter seriously. On the one hand, addressing this critical issue can help you prevent product loss, but it can also help you reduce your commercial insurance costs. Insurance is a critical component of protecting your business, but there is no reason to pay more for this protection than you have to. If you are the owner of a retail store, learn why loss prevention is so important.
Should You Opt For A Public Insurance Adjuster? Information To Help You Decide
Dealing with any insurance claim is likely to be time-consuming and tedious. In many cases, insurance claimants are able to eventually work through the logistics of their claim and reach an agreeable settlement with their insurance company. This is especially true when the claim is fairly small and uncomplicated, such as those that involve a minor vehicle accident or storm damage to the roof. In situations that seem more complicated, professional assistance is available for claimants in the form of public insurance adjusters.
5 Benefits Of Purchasing Homeowners' Insurance
If you plan to buy a home in the near future or if you have a home that doesn't have insurance coverage, you may want to think about talking to a homeowners' insurance agent. Having homeowners' insurance is a great way to protect the investment that you've made and it can be used to get you out of some very difficult situations. You may think that you'll never need it, but the time may come someday.
Ready To Reduce Monthly Costs? Top Ways To Lower Your Auto Insurance Premiums
Being able to drive to where you need to go is vital each day. You'll want to remain independent, and this may mean having your car. There's nothing like self-reliance to help you feel secure about any trip you need to make. However, other expenses come with this privilege, and you'll need to have the proper insurance on your vehicle. Knowing ways that will enable you to lower this amount can be very helpful in all ways.
Medical Malpractice Stats For Your Consideration
Doctors and nurses who attempt to go without medical malpractice insurance are taking major risks with their careers. If you are a doctor or nurse and you are going without malpractice insurance, you may truly regret it if something goes very wrong with a patient. If you need any further encouragement to get insurance from a medical malpractice insurance agency, here are some malpractice stats to consider. Third Leading Cause of Death: Medical Malpractice
Things You Need To Know About Commercial Auto Insurance
If you have company vehicles, then it's vital that you make sure they are properly insured. Not only do you want to protect these company assets, you also want to protect the rest of the business in the event an employee is in an accident while operating the vehicle. If the vehicle isn't properly insured, then the other driver can sue your company and cause major financial repercussions. The following can help you choose the right policy.
3 Coverages To Add To Your Home Insurance To Fully Protect Yourself
Did you know that every homeowner's insurance policy is unique and different from all others? This occurs because every homeowner has different needs with insurance and every house is different. When you are purchasing homeowner's insurance, you should make sure you know what your policy will cover and what it will not cover, and then you should make sure you add the right coverages to it to fully protect yourself. As you do this, you may want to consider adding the following three types of insurance coverage to your home insurance policy.
Worried Over The Security Of Your Vacation Home? 3 Tips For Selecting Insurance
When you own a vacation home, it's likely that you are worried about how you can best keep it safe both inside and out. Instead of simply locking the doors and hoping for the best, you need to make sure to get comprehensive insurance to help protect the inside of your home and make it far less likely for it to be broken into and will be reimbursed if it does.
What Exactly Is Dram Shop Insurance?
Dram shop insurance is a very specific form of liability insurance that's aimed at all types of businesses, clubs, and organizations that serve alcohol to patrons, guests, or members. The term "dram shop" is a bit of an old-timey term to describe taverns and bars. Thirty-eight states have dram shop laws in place that impose strict liability on businesses that serve visibly intoxicated persons who subsequently proceed to injure someone while in a drunken condition.
Does Car Insurance Cover Damage Caused By Rodents?
It is almost impossible to keep all rodents and pests away from a house, and this means that there is always a chance that rodents will get into the engine compartment of your car and destroy things. Rodents are known for chewing through wires and other parts, and they can cause a lot of damage. If you have car insurance, though, it may cover the costs of damage caused by rodents, so here are a couple of things to understand about using car insurance for this purpose.
Tips For Getting A Title For Your Utility Trailer
If you have a utility trailer or if you are thinking about buying one, you could be wondering about the titling process that goes along with it. Getting a title for your utility trailer doesn't have to be a big challenge. In many cases, it's relatively easy to do. The following tips should be able to help you get started with getting the title that you need. Make Sure Your Utility Trailer is Compliant with Local and State Laws
Homeowners Insurance: 3 Mistakes To Avoid When Buying A Policy
Purchasing homeowner's insurance is an important part of being a homeowner. If you have a mortgage on your home, your mortgage company will likely require you to carry a policy, but even if you own your home free and clear, it is still essential to hold the right insurance policy. Whether you're a first-time home buyer making your first homeowner's insurance policy purchase, or you're planning on shopping for a new policy to replace your current one, you need to go about the process the right way.
When To Report Changes To Your Homeowner's Insurance Agent
How long has it been since you've updated your homeowner's insurance policy? Many homeowners make the mistake of setting up the policy, paying the monthly premiums and never giving it another thought. If you're one of these folks, you could be cutting yourself short on coverage—you may not get the payout that you need to rebuild and replace all of the belongings in your home. Here, you'll find a few instances in which a call to your home owner's insurance agent is warranted.
DBA Insurance 101
Any American company that serves as a contractor for the United States Department of Defense on their overseas defense bases in a specific capacity must have adequate insurance to protect their employees, both Americans and local nationals. This insurance is called Defense Base Act (DBA,) which was enacted right before the start of American involvement in World War II in 1941. Over the years, the act has been amended several times to include other employees, such as infrastructure builders who work on behalf of the federal government.
Embarking On A Career As An Insurance Agent? 4 Tips To Help You Get Off To A Good Start
If you're in the process of becoming an insurance agent, be prepared to put in some hard work. Becoming a successful insurance agent takes time and effort. Now that you're on your way to becoming an insurance agent, here are some tips that will help you enjoy a successful career. 1. Get All the Training You Can When it comes to being a successful insurance agent, you've got to get as much training and education as possible.
Mandatory Auto Insurance Coverage
Before getting behind the wheel of any car, you should ensure you have at least the minimum insurance coverage mandated by the government. This minimum coverage varies by state, but the following four examples are the most common ones. Liability Coverage Liability coverage is mandatory in all states except New Hampshire. Liability coverage pays for the damages and injuries you may cause to others while driving. This is what ensures that you don't have to dig into your pocket to pay a pedestrian's medical costs when you accidentally knock them down on a foggy evening.
Tips For Keeping The Cost Of Your Auto Insurance Affordable
Auto insurance is just one of those things we are stuck paying for as long as we own vehicles. However, that does not mean that you have to be stuck paying over the top prices for your policy. To help you save as much money as possible, you will want to spend a few moments reviewing the following information: Stick With One Company If you are a homeowner, you likely have home owner's insurance.
First Time Buying Home Insurance? 4 Tips To Help You Keep The Costs Down
When you own your home, you have no choice but to pay for homeowners insurance. However, you do have a choice about how much you pay for your insurance. If you're in the process of buying your first home, it's time to start shopping around for the best deal on a homeowners policy. Here are four steps you should take to keep your premiums affordable. 1. Always Ask About Discounts
Outdoor Improvements To Reduce Your Home Insurance Rates
Your home insurance rates are based on a lot of factors, some of which involve your surrounding environment. If you want to improve your home and reduce your home insurance premiums, there are a few improvements you may want to prioritize. These are improvements that reduce your overall risk as well as your insurance expenses. Privacy and Safety Fencing Privacy fencing around your home reduces the chances of intruders, while safety fencing around a pool can reduce the chances of a harmful accident.
3 Fast Tips For Lowering Your Insurance Costs
If you want to lower your monthly expenses, one place you should consider starting is with your auto insurance costs. These can get pricey unless you're mindful of the things you do. The good news is that there are many ways to decrease the overall cost of your car coverage when you just know what to do. Being aware of fast tips to help you get immediate results can be extremely helpful in lowering your premium.
Should You Hire A Public Adjuster When Filing A Homeowner's Insurance Claim?
Whether due to a fire, flood, or vandalism, you may be able to recover your financial loss by filing a homeowner's insurance claim. You can file a claim on your own, but hiring a public insurance adjuster to represent you may be of benefit. Here are a few reasons to consider hiring a public adjuster at some point throughout the claims process: You're Facing a Large Loss Facing the possibility of a big financial loss is one good reason to consider hiring a public adjuster to help you file a homeowner's insurance claim.
3 Things To Know When Insuring A Vehicle With A Salvage Title
Purchasing a vehicle with a salvage title can be a good move in some cases; for example, it could be a good way to buy a nice vehicle for a fraction of what you would pay for it otherwise. In other cases, you might own a vehicle that is "totaled" in an accident but might find that having it repaired is a good move for you. In either case, one thing that you have to worry about is insuring the vehicle.
Driving For Money? Here's How To Make It Legal
The sharing economy has presented many private citizens with the ability to rent out their time, homes, or possessions to make a few extra dollars. Arguably, this is great for both buyers and sellers, since it allows for a greater range of options to make and spend money. But if you find yourself selling services in the sharing economy, you may wonder what the legal implications are. For rideshare drivers, that is a reasonable concern.
Do I Need To Insure My Solar Panels?
After you have invested in your solar panels on your roof, you may have a few questions. Will your solar panels be insured under your homeowner's insurance policy? Will you need to purchase more insurance for your solar panels? The best way to find out is to call your insurance provider, but there are some general rules for whether your solar panels will be covered by your insurance. You May Not Need Insurance
Your Teen's Distracted Driving Can Raise Your Insurance Rate
Distracted driving is a huge issue these days–particularly as related to the causes of teen driving accidents. Recent findings from a study analyzing 1,700 crash videos showed that distraction played a role in 58 percent of the accidents involving teen drivers. Shifting attention away from driving not only puts your teen driver at risk, but it also puts passengers and other drivers on the road at risk. Additionally, an accident caused by distracted driving may significantly increase the car insurance rate you pay as well.
Life Insurance Issues To Think About When Buying Your First Policy
At some point in your adult life, you might start to worry about how your family would survive financially if you suddenly passed away. It can be sad to think about, but luckily, a life insurance policy can help you protect your family's financial situation in the future. Before you purchase a policy, consider the following. Getting the Right Policy Type Term-life and whole-life might not mean anything to you right now, but those are the types of policies you're most likely to buy.
Can A Dash Cam Get You A Discount On Your Auto Insurance?
Browse through the latest viral videos and you're bound to stumble upon dash cam footage of all types. Once commonplace in Europe and other countries, consumer-grade dash cams are making inroads into the U.S. market, especially as more people see the benefits of having one installed in their vehicle. If you're thinking about putting a dash cam in your vehicle or already have one installed, you may be wondering if your insurance provider will give you a discount on your premiums.
How To Decide If Your At-Home Business Insurance Should Be Part Of Your Homeowner's Insurance
The number of Americans who work from home is rising, with currently 1 in 5 Americans working from home at least occasionally. While working from home can provide you with many benefits, such as getting rid of a long commute or allowing you to start your own business, it can also be complicated. Figuring out issues like taxes and insurance can be confusing for people who work from home. Protecting your business assets is important, so you will likely want to get some sort of business insurance in addition to your homeowner's insurance.
Two Homeowners Insurance Policy Add-Ons To Consider
If you are purchasing a home for the first time, then you may be confused about homeowners insurance and the type of coverage that you need. A typical policy will cover damage to the home and the contents inside of it. It will also cover the garage and other structures on your property. It will provide money for living costs too, if you need to move out of your house while repairs are made.
2 Reasons Why Home Insurance Costs More For Homes In Rural Areas
If you compared the cost of home insurance for two identical homes, one in the city and one in the country, you would probably find that the one located in the city would be less to insure than the one located in a rural area. Insurance companies base policy rates on many factors, and one of these is location. Here are two reasons why it often costs more to insure a home in a rural area compared to a home located within city limits.
Consequences Of Failing To Get SR22 Insurance
SR22 insurance coverage is a requirement by law for people that have had too many driving violations or one major violation. If you are told you need it, you could face major consequences if you fail to get it, especially if you continue to drive. If you are thinking about not getting this coverage, you may want to think twice about this decision. Failing to get this coverage when it is needed could result in the following consequences.
Ways To Make Sure You Have Enough Homeowner's Insurance Coverage
Hopefully, you will never have to worry about filing a homeowner's insurance claim, especially a total loss claim, but if you do, it will be a lot easier and helpful to you if you are fully insured. If you want to make sure you are fully covered on your homeowner's insurance policy, you may want to call your company and discuss the following issues with them. The Amount Of Coverage For Personal Belongings
6 Steps To Take If You Unintentionally Rear End Another Vehicle
While everyone hopes that they are never involved in an automobile collision, accidents do happen. It can rattle everyone involved, especially if you were the one who hit another vehicle unintentionally. With everyone in shock after just being in a crash, it can be hard to remember what you should do. Take the time to learn this information now, so you will be better prepared in the unfortunate event that you do accidentally rear end another vehicle.
Some Things You Should Consider Before Getting Your Auto Insurance
In the past couple years it has become more common for insurance agencies to advertise their services based on price rather than services or coverage of the policy. The problem with this is that there are different insurance policies and scope of coverage that many people are failing to even look at. Instead, once they get a low quote, they are ready to sign up with that agency, even though they may not be getting the coverage that they believe that they are getting.