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4 months ago · by · 0 comments

Reasons You Need Car Insurance

If you own a car in Virginia, you must have car insurance to drive it. That’s a fact, and happens to be the very first reason you need car insurance on this top 10 list. HOWEVER, auto insurance is mostly about protecting you financially if something goes wrong involving your vehicle.

Take a look at the top 10 reasons you need car insurance:

    1. It’s the law. In almost every state, including Virginia, you must at least have liability car insurance or you’ll face criminal fines. Repeated offenses could lead to the loss of your driver’s license and even a jail sentence. As far as reasons go, jail is a pretty you need car insurance, don’t you think?
    2. Your car is an important asset. For many people, a car is the second-most-expensive purchase they will make in their lives, next to the purchase of a home. Vehicles are essential not just because they’re expensive, but also because of the service they provide to families. Car insurance is a way to protect that important asset.
    3. car accidentallyNo New Car For You!  If you try to purchase a new car that includes a loan, you won’t qualify if you don’t have a full auto insurance policy.  Beyond that, you won’t be able to lease a vehicle either.  Your lender will always want to be paid. If you have an accident and can’t afford to get your vehicle repaired because you don’t have car insurance, the company that provided you a car loan won’t stop asking for monthly payments. Car insurance is one way to help ensure that you can continue to make your car loan payments.
    4. Cars get you where you need to go when you need to get there. If you decide to skip auto insurance and then get into an accident and sustain damage you can’t afford to repair, you’ll still need to get to work and make other necessary daily trips. Car insurance helps pay for car repairs so you can get where you need to go when you need to get there. Or, you could take a bus.
    5. The cost of a major accident. One of the many important roles of car insurance is the money for medical costs of people who are injured in accidents that are your fault. Of course, that includes any injuries you may suffer as well.
    6. Provide legal protection. There’s absolutely nothing stopping someone from suing you after an accident, even if the accident was THEIR fault.  Auto insurance gives you a buffer between legal claims and your wallet. That includes providing an attorney to handle any lawsuit stemming from a lawsuit over an automobile accident.
    7. Protection from Mother Nature.  You may think this would never happen to you, but what will you do if there’s a lightening strike, hurricane, tornado, or earthquake that damages or even totals your vehicle?  It only takes a tree limb falling on your car from a simple storm and you may be looking at thousands of dollars in damage.
    8. Non-accident protection. Car insurance can also be crucial if your vehicle is stolen or vandalized.
    9. Avoid possible bankruptcy. For many people, the uninsured loss of a vehicle completely turns their lives upside-down. There’s no money for another vehicle, so getting to work on time can be difficult. That can lead to loans or credit card use that could spiral out of control.
    10. PEACE OF MIND.  Because car insurance helps in so many areas, not having insurance can lead to some nerve-racking times just hoping against hope that no other bad news arrives. Able Insurance provides peace of mind with auto insurance, life insurance, home insurance and business policies.

For Auto, Home, or Life Insurance In The State Of Virginia, with offices in

Richmond – 9103 Quioccasin Rd, Richmond, VA 23229 (804) 741-6305 and

Charlottesville – 716 Rio Rd West Charlottesville, VA 22901 (434) 979-0814

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4 months ago · by · 0 comments

Why Your Business Needs Insurance

Owning a small business is a big responsibility.  When you own a business, you have a lot to protect, and the right small business insurance coverage can be important to your continued success. Luckily, there are a variety of coverages to choose from when it comes to protecting your business. Here’s a rundown of the things to consider when it comes to buying your small business insurance policy.

Small Business Property Insurance Coverage

Perhaps the most obvious reason to purchase small business insurance is to protect your tangible investment—from your merchandise to the tools you use to make your business work. What would you do if, for example, a fire destroyed your place of business, making your equipment unusable and your products unsellable? The property coverage in a business insurance policy can help protect the physical property of your business against certain causes (they vary and are specified in your policy). This coverage may protect the actual building in which your business is housed, as well as inventory, equipment, furnishings and other property you have there. According to the Insurance Information Institute (III), it may also cover other costs, such as equipment breakdowns or the cost of removing debris after a covered loss.

Small Business Liability Insurance Coverage

No matter how careful you are, you may find yourself in a variety of situations that could result in a lawsuit against your business, so it’s a good idea to be prepared—just in case. The U.S. Small Business Administration (SBA) outlines three types of business liability coverage: General liability coverage: This type of coverage protects you in case you are sued because of accidents, injuries or claims of negligence. For example, if someone is injured on the premises of your business and files a lawsuit against you, this type of coverage may (depending on the situation) help cover some of the related costs. Product liability coverage: If your company manufactures or sells a product, this type of coverage may come in handy. It protects you in case your product is defective and causes injury or damage. Professional liability coverage: Businesses that provide services often purchase this type of coverage, which protects against errors and negligence. One example, according to the SBA, is the malpractice insurance that doctors are required to carry.

Small Business Insurance Coverage Relating to Employees

Depending on the number of employees you have, as well as other factors, there may be additional insurance considerations. Employment practices liability coverage, for example, helps protect you in case a former employee files a groundless claim against your company. Also, all states except Texas require businesses with a certain minimum number of employees (at least three to five, depending on the state) to have workers compensation coverage, which may help protect them in the event that an employee is injured on the job.

business insuranceSmall Business Insurance Coverage for Business Vehicles

Just like your personal car, your business’ vehicle needs to be protected. Business auto coverage is available to help protect your company against liability arising from accidents in your company’s vehicle, as well as other features, depending on the policy.

Small Business Data Compromise Insurance Coverage

Data compromise coverage, or data breach coverage, is another way to protect your business. This type of coverage helps protect against any associated legal or other costs in the event that personal data of employees or customers is stolen or accidentally released by your company.

Other Considerations

As you shop for a small business insurance policy, there are many things to think about. If you run your business from home, for example, your homeowners insurance policy typically offers limited or no coverage for business-related property, such as supplies, tools or customers’ items stored for repair, or for business-related liability. So, it may be a good idea to consider purchasing a business insurance policy. In addition to the coverages described above, there may be even more business insurance options to consider. A conversation with your business insurance agent can help you determine the best way to protect your company.

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5 months ago · by · 0 comments

Top 5 Reasons You Need Life Insurance

You buy life insurance because it is the best way to protect your loved ones. It is a financial decision… kind of. It is an emotional decision… sort of. It is about love and caring and future… most definitely. Deciding whether you need life insurance can be a complicated process. Millions of people buy life insurance every year for reasons that are often difficult to express. At the same time, the reasons are simple and obvious. That’s the thing about life insurance. The idea may be simple, but the reasons behind it cut deep, to our very core, almost to an instinctive level.At the heart of it, if you are like most people, you will want life insurance for 5 very good reasons.

1.  Life insurance is about taking care of loved ones.

It is about meeting responsibilities and keeping promises. If you own life insurance, it is because you view it from your family’s point of view, not your own. You see life insurance as a tool that protects your spouse and children from the potentially devastating financial losses that can result if you die prematurely.

2.  Life insurance is for the living.

It has nothing to do with you. You know that, should anything happen to you, the life insurance you have purchased is in place to protect and provide financial relief for those who must carry on without you. It’s about them.

family life insurance3.  Life insurance is an expression of love and caring.

Because you care about your family, you want to ensure their financial security if you’re suddenly not around to do so.  Should you die, the proceeds will help you keep the promises you have made to those people who are important to you.  By protecting their financial future, you’re enabling your loved ones t o maintain their lifestyle, if something unexpected should happen to you.

4.  Life insurance buys time and options.

Too often, when an income earner dies, survivors are forced to make tough, dramatic decisions—and to do so quickly—at a time when they may not be emotionally in a position to make good choices. Life insurance gives survivors a chance to adjust over time rather than need to look right away for a downsized home or new job.Your life insurance gives your family choices by providing the benefits to help pay off debts; to help meet housing payments, and ongoing living expenses; to help fund college educations for your children or grandchildren; and more.

5.  Life insurance provides cash when it’s needed most.

Your life insurance policy can deliver a specified sum of money at the exact time of need. Upon your death, your family can be assured that the amount you have chosen—perhaps hundreds of thousands of dollars; maybe even millions—will be there almost immediately. And that death benefit is generally not subject to federal income taxes. For example, a $500,000 policy provides $500,000 in death benefit proceeds.If you are not completely certain that your coverage is in line with your family’s needs, please contact your New York Life agent. When you meet, you’ll work together to determine how much coverage you need, review what products and policy are right for you, and review cost comparisons.

We’re always here to help you make the best decisions based on your individual needs, current situation, and long-term goals. If you’re looking for affordable term coverage for temporary needs, or a permanent policy, we can help with solutions that meet your needs and budget. No matter where you are in life, one thing is certain: if someone depends on you financially, you need life insurance.

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