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Basic Insurance Coverage for Students Attending College

Ron Martin - Monday, August 28, 2017

Graduating high school and leaving home for the first time can be an exciting, and, in some ways, overwhelming, experience. In the excitement and anticipation, parents and students tend to overlook the fact that college students may encounter many insurance issues which have not been considered. So, before there’s an auto accident, a fire in, or theft from a dorm room or off-campus apartment, or an unexpected trip to the emergency room, it’s important to think about, and review, your, and your child’s, changing insurance needs in order to make sure you have all of the necessary coverages. Some key questions and factors to consider when children go away to college are:  read more


Distracted Driving Causing Insurance Rates To Skyrocket

Ron Martin - Friday, May 19, 2017

by: Andy Sheehan - CBS Pittsburgh  read more


Uber/Lyft - Not Covered under your Personal Auto

Ron Martin - Monday, May 09, 2016

The world is ever-changing and the insurance market is working hard to keep up.  Most of you are aware of the increased popularity of ride-sharing services like Uber and Lyft, among others. They are redefining the way we think about transportation.  read more


In Storms Of Life, Don't Get Caught Without An Umbrella

Ron Martin - Friday, April 22, 2016

If you've ever found yourself caught out in the driving rain with nothing but the clothes on your back for protection, you know what kind of a miserable experience that can be, temporary as it is. With all that wetness and cold, its effects can leave you longing for the comfort of the indoors.  read more


A car crash is the leading cause of death for teenagers

Ron Martin - Friday, August 21, 2015

 

 Reprinted with permission from PersonalUmbrella.com

 

52% of the deaths of teenage passengers happened in cars driven by another teen

 

PersonalUmbrella.com

 

 

  read more

Discounts! Get your Discounts here!

Ron Martin - Monday, May 04, 2015

On an annual basis, we review your insurance policies for protection adequacy and applicable discounts. We make sure the insurance companies apply all of the discounts available to your policies.  However, there are always new discounts introduced, and we don’t always have that data in our files to take advantage of them for you.  read more


Insurance Coverage for Kids in College

Ron Martin - Thursday, August 14, 2014

A question parents and their college-aged children don’t ask, but we need to ask, is, “Will these college students be covered under their parents’ Homeowners’ and Personal Auto policies while they’re living away from home and attending school?” The answer may be, “Yes.” However, the answer may be, “No.” And, sometimes the answer could be, “Maybe….”  read more


Six Good Reasons to Have a Personal Umbrella

Ron Martin - Monday, October 22, 2012

There is no question that the ownership and use of our autos present us with the greatest personal liability exposure. But our normal daily activities can expose us to the potential of a large liability claim that could threaten our personal assets.  read more


Employee/Volunteer Use of Personal Vehicles

Ron Martin - Wednesday, July 06, 2011

Many Non-Profit organizations will utilize the vehicles of its employees and volunteers in the course of doing business.  These organizations need to know the exposure they create when doing so, how the organization can be covered and how that affects premiums.

  read more


Coordinating Personal and Business Auto Insurance

Ron Martin - Monday, March 28, 2011

Is it just business when it should be personal?
How best to coordinate personal and commercial lines
  read more



 

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