Nerd Herd
Insurance Blog

We have been advising people on rental car insurance for years. It is the single most asked question I get as an insurance agent. Do I buy the rental car coverage? The answer is a resounding YES, buy the rental car companies insurance offering. Since shortly after the pandemic hit rental car companies have started charging clients who have had an accident in one of their vehicles loss of use while their rental car is in the shop being repaired. What does that mean?

Lawsuits are a thing, and they are here to stay. People will file suit at the drop of a hat these days. Most people carry and average of $100,000 per person and $300,000 per accident aggregate for other persons you may injure. But note, $100,000 is available per person. Those limits are not sufficient in this day in age for even average losses.

We are pleased to introduce you to another Hoosier small business owner- Jo Soard and the team at Inventory Lady. We are so excited to share more about what Jo does and how that works with your insurance products.

Imagine that you're driving down the road, minding your own business, when out of nowhere a torrential storm hits. Rain pounds relentlessly on your windshield, making it nearly impossible to see. Several of your fellow drivers slow down or turn on their hazards while others pull over to wait it out.

I'm hoping the title was dramatic enough. Now is the time to quote your auto insurance and here's why. In 2020 we saw reduced usage on vehicles and insurance companies were loaded with profits. Their response to the profits...

It's been one heck of a year, but we are all together in the same boat. All of us are experiencing massive changes in our work lives, home, financial stability, all while trying to go with some kind of flow and figure out what the future is supposed to look like. What kind of permanent adjustments are we going to suffer here?

As an insurance agency serving our Hoosier clients since 2009 this last year provided more challenges and questions from our clients about what their insurance may cover during pandemic. I immediately note...

It's not easy being an insurance agency in this modern age. We chose not to be a mega agency. We chose to stay small so we could better serve our clients. Recently, we decided that along with our end to a full 10 years in business we would reimagine ourselves...

I have damage to my property-what now?

I've been in an accident - what now? If the accident involves another party, start by calling the police, you will need the report number to file your claim.

What is Personal Catastrophe Liability (PCL) Insurance, also known as an umbrella policy? Personal Catastrophe Liability policies are liability insurance policies that are typically low cost but carry high limits of protection...