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1 month ago · by · 0 comments

Reasons To Buy Life Insurance (and When!)

life insuranceWe asked insurance professionals to share their best tip on life insurance and getting coverage.  Below is some brief, but great, advice on reasons why you need to buy Life Insurance and when you should buy it!

1. Start young. Just because you don’t have a family, mortgage and larger financial obligations doesn’t mean that you have to wait to get life insurance coverage. Lock in your rates while you are young and healthier. You can always add more later in life.

2. Life Insurance is like a parachute; if you don’t have it the first time you need it, there is no second chance.  Thinking doesn’t protect your family, acting does!

3. If you’re a small-business owner, who takes care of your business and family in the event of your death? It’s not just about you.

4. Permanent life insurance is the best investment vehicle whether you’re alive or dead: tax-free access to cash values accumulated in the policy while you’re still alive and tax-free death benefit proceeds for your love ones when the inevitable happens. Put your money where your “life” is!

5. Buy when you’re healthy—it’s easier to get and less expensive.

6. Protecting your loved ones should be priority No. 1  You don’t buy life insurance because you are going to die, but because those you love are going to live.  It will be difficult enough for them to move on without your presence, but without your income, things could get impossible.  Don’t put them in that position.

Able Insurance is 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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1 month ago · by · 0 comments

Ultimate Tips Summer Road Trips

If you’re planning on kicking off summer with a getaway, you’re not alone. In a recent survey conducted by Travelocity, almost 40% of Americans traveled over Memorial Day and 4th of July weekends, with 77% of them planning to travel by car.  Before you hit the open road, be sure to start the summer travel season off right by preparing for your adventure. Spending some time getting ready will help ensure a safe, fun and stress-free road trip.

SERVICE YOUR CAR

  1. Check your filter and oil levels
  2. Top off all fluid levels, including coolant and windshield wiper fluid
  3. Change your air filter, if needed
  4. Check your tires, including the spare tire, for proper inflation
  5. Rotate tires, if you haven’t had it done for the last six months or 7,500 miles
  6. Inspect belts and hoses
  7. Test the battery and brakes
  8. Change transmission fluid if needed

Pack your bagsPLAN YOUR ROUTE

In today’s digital world, planning your route can be as simple as pulling up an app or opening Google Maps. Take a few minutes to map your route ahead of time, then let a trusted friend or family member know exactly where you’ll be driving to and when you plan on getting there. In addition, check weather conditions and road closures along your chosen route before you leave.

PACK YOUR BAGS MINDFULLY

Besides the proper clothes, shoes, undergarments, toiletries and such – you should also have a bag filled with emergency supplies.  And REMEMBER, summertime is hot and if you get stranded, you’re going to need WATER.  Some other items you might need are:

  1. Jumper cables
  2. A properly inflated spare tire, lug wrench and jack
  3. A tire pressure gauge and a can of compressed air
  4. Roadside flares
  5. First-aid kit
  6. Tool kit
  7. Flashlight and batteries
  8. Duct tape
  9. Rope
  10. A plastic tarp
  11. Bottled water and energy bars
  12. Blankets
  13. Hand sanitizer and wet wipes
  14. Plastic bags (for trash)

When you’re packing up the car, don’t put the emergency kit in first. Instead, wait until everything else is securely stowed before placing the kit in the trunk. That way, you can easily access it in case of an emergency.

IN CASE OF AN EMERGENCY

If, despite your best efforts and pre-planning, you end up broken down on the side of the road, what should you do? First, pull your car to the side of the road and turn on your hazard lights. Put your car in park, set the emergency brake, and point the wheels away from the road. Keep your emergency contact numbers programmed into your phone so you can access them easily when

children traveling in car

needed.

If you can safely get out, place flares about 50 feet behind your car to alert other drivers. Don’t, however, leave the car by the road while you’re waiting for help; generally, it’s safer to stay with your car than to be a pedestrian.  If a stranger pulls over while you’re waiting for help to arrive, remain in the car with your doors locked. Roll the window down a bit and let them know help is on the way.

STAYING SAFE ON THE ROAD

When you’re on the road, remember every occupant needs to be buckled up at all times. Not only is this the law, but seat belts save lives… more than 12,000 a year, according to the National Highway Traffic Safety Administration. The safest place for kids under age 12 is in the back seat. Finally, if you feel fatigued, switch drivers or pull over to rest.

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2 months ago · by · 0 comments

Need SR-22 Insurance?

Do You Need SR-22 Insurance?

If you have gotten your license suspended or revolked, you may require an SR-22 filing in order to drive legally again.  The state of Virginia uses the SR-22 form to help protect its citizens against problem drivers by monitoring their insurance. It requires the auto insurance company to file the SR-22 form as a proof of a problem driver’s financial responsibility, stating that his/her auto insurance liability is in effect. The state does not send notifications and it is the responsibility of the driver and the auto insurance company to submit the form as well as the renewals, to the state, if required.

What Is A SR-22 Form?

 There are three different types of SR-22 forms:
  1. The Operator’s Certificate covers the financial responsibility in the case the motorist does not own a vehicle.
  2. The Owner’s Certificate covers the financial responsibility for vehicles owned by the motorist.
  3. The Operators-Owners Certificate covers financial responsibility for all the vehicles that are owned or non-owned by the motorist.

When Is A SR-22 Required?

The SR-22 financial responsibility Insurance form is required in the following cases:

  1. In case of a driver’s license suspension as a result of a conviction for a major offense such as manslaughter while operating a motor vehicle, making a false affidavit during driver license application or vehicle registration, failure to stop at the scene of an accident that resulted in death or injury, or a second conviction for operating a passenger vehicle without a valid license.
  2. If you have any unsatisfied judgment suspensions. For example, if a driver involved in an accident in the past has an unsatisfactory judgment entered against him then he or she needs to fill the SR-22.
  3. In case of an uninsured motor vehicle suspension.
  4. Certain convictions such as driving under the influence of drugs or alcohol, or driving with a suspended license will require filing of an FR-44. This is a more stringent version of the SR-22 under which the amount of minimum coverage is doubled.

car speedingFiling For The SR-22

  1. Contact a state-authorized insurance agency to request for a SR-22 filing.
  2. Pay the correct processing fee to the agency. The fee amount may vary between agencies. You can request an insurance quote from our Virginia auto insurance page and companies such as Esurance will allow you to request an SR-22 filing automatically.
  3. As per the State laws of Virginia, the minimum amount of coverage should be $25,000 for one person killed or injured, $50,000 for two or more persons killed or injured and $20,000 for property damage.
  4. Upon receiving the request from the agent the central office then sends the SR-22 directly to the Virginia Department of Motor Vehicles. SR-22 filing may be carried out electronically, in which case your records will be updated almost instantaneously.
  5. The SR-22 has to be maintained for a minimum period of 36 months. If the motorist does not renew it at least 15 days before the expiration date the agency notifies the State. The State may then suspend the driving record of the motorist until the insurance is reinstated.

ADDITIONAL INFORMATION

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2 months ago · by · 0 comments

Interesting Father’s Day Facts

Sunday is Father’s Day, the annual holiday where Americans celebrate the men who made them. You may love dear old dad, but how much do you actually know about the observance in his honor? Brush up on your Interesting Father’s Day Facts and make your Papa proud!

History of Father’s Day

This isn’t an especially interesting story, but Father’s Day officially began in 1910 in Spokane, Washington, where 27-year-old Sonora Dodd proposed it as a way to honor the man who raised her when her mom died in childbirth. Dodd was at a church service thinking about how grateful she was for her father when she had the idea for Father’s Day, which would mirror Mother’s Day but be celebrated in June — her dad’s birthday month.

The movement grew for years but didn’t gain national-event status until 1924 under former President Calvin Coolidge. He said it would “establish more intimate relations between fathers and their children” and “impress upon fathers the full measure of their obligations,” according to the Library of Congress Wise Guide. The holiday gained traction during World War II, and in 1966 President Lyndon B. Johnson proclaimed the third Sunday of June to be Father’s Day. President Richard Nixon made it a federal holiday six years later.

Today, Father’s Day has a passionate following, with about three-quarters of Americans telling the National Retail Federation they plan to celebrate on Sunday.interesting facts fathers day

Here are some interesting facts about Dads and their day:

  1. Census data shows there are more than 70.1 million dads in the U.S. About a third of them are married with kids under 18.
  2. Two million fathers are single.
  3. Spending on Father’s Day will reach about $12.7 billion this year, with the average person spending about $115.57 on presents. That’s about $2 more than last year’s average.
  4. The amount spent on Father’s Day is still less than what Americans spend on Mother’s Day — $21 billion.
  5. Father’s Day is the fourth-biggest day for sending greeting cards, after Christmas, Valentine’s Day and Mother’s Day, according to the Greeting Card Association.
  6. About 20 percent of Father’s Day cards are bought for husbands.
  7. More than 214,000 men are stay-at-home dads.
  8. Thailand’s Father’s Day is celebrated in December, on the birthday of King Bhumibol Adulyadej. Adulyadej served as Thailand’s King for 70 years, since 1946 when he was only 18 years old! Everyone wears yellow on Father’s Day in Thailand.
  9. On Father’s Day in Germany, men drink all day at beer gardens.
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3 months ago · by · 0 comments

Car Insurance You Need

Your auto insurance is a collection of different policies that cover you in different ways. Before you buy car insurance, it’s helpful to know how much car insurance you need.

Here’s how it’s broken down:

  • Liability coverage – These policies help cover liability and expenses when you’re at fault in and accident. The money will go to the people you hit, but it won’t cover the people in your car.
  • Bodily Injury Liability (BIL) – This policy pays for the medical expenses of people injured in a crash in which you’re at fault. You’ll often see BIL policies described as a “20/50” policy or a “100/300” policy. These numbers describe the maximum dollar amount the policy will pay for a single person’s injuries and the maximum for all the injuries sustained by all the occupants of the other car. For example, a policy will pay maximum of $20,000 for a single person’s injuries, and up to $50,000 total for the injuries of everyone in the car you hit.
  • Property Damage Liability – This policy pays for damage done to the other car if you’re at fault in an accident. Property liability is sometimes referred to alongside BIL as a third number, so a 25/50/20 liability package will cover up to $10,000 for damages to the other car.

The following policies cover you and your car in an accident:

  • Uninsured/Underinsured Motorist Coverage – This helps cover costs if you are hit by someone without insurance, or minimal coverage.
  • Collision – This policy covers repairs to your car after an accident.
  • Comprehensive – This policy covers costs if your car is stolen or damaged outside of an accident.

Minimum coverage isn’t necessarily all you should have. If you’re involved in a serious accident, it’s possible that an individual’s medical expenses could exceed $15,000, or a group’s expenses could total more than $30,000. In addition, $5,000 for car repairs isn’t a lot, considering that the average car now costs a little more than $20,000.

You’re on the hook when costs exceed your coverage limits. That’s why many people opt for policies that cover more than required minimums, particularly if they have assets that can be seized to pay for repairs and medical care.  A good rule of thumb: Make sure you’re covered for an amount equal to the total value of your assets (Add up the dollar values of your house, your car, savings and investments).

How much insurance do you need for yourself?

Auto Insurance Car Form ConceptCollision and comprehensive coverage is worth having if you would want to repair or replace your car after an accident. These policies have a deductible (the amount you have to pay out-of-pocket before coverage kicks in), and they pay out based on the current value of your car, not what you paid for it.

Choose the highest deductible you can afford, because a higher deductible will significantly lower your premium. You’re seeking coverage for major damages to your car, not for every little thing that can go wrong. It’s better to spend $500 of your own money on minor repairs every so often than pay an extra $50 a month whether you need repairs or not. Save collision insurance for when you have car repairs that cost thousands, not hundreds. Remember, if you submit a claim for every little thing, your premium will increase.

Tips

  • Check out your state’s minimum insurance requirements. It’s possible that the minimum coverage required might not be that different than what you really need.
  • When deciding how much coverage you need, make sure you’re covered for an amount equal to the total value of your assets.
  • To keep premiums low, choose collision coverage with a high deductible, and plan to pay routine repair costs with your own money.

 

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3 months ago · by · 0 comments

Able Insurance TV

Able Insurance provides you with the coverage you need at a price you can afford. Below is our TV Commercial playlist, if you’re interested in viewing. We’ve had a lot of fun over the years 🙂

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3 months ago · by · 0 comments

Why You Need Home Insurance

People take out homeowners insurance for the same reason they take out car and health insurance: If a home is damaged or someone else injured on the property, insurance helps owners cope with the financial consequences. Homeowners insurance is actually a combination of two different types of protection, hazard insurance and liability insurance.

Hazard Insurance

Hazard insurance protects you against unintentional damage or destruction to your house or its contents, including fire, storm, theft, vandalism and similar threats, the Nolo legal website states. It can cover the cash value of the damages or the replacement value; replacement value pays enough to replace what you lost, but cash value only pays what a property is worth. The cash value for a five-year-old $1,000 television won’t be $1,000, for instance, because it depreciates with age, making it worth less in the insurer’s eyes.

Liability

Liability insurance covers personal liability for accidents on your property. If your neighbor trips on a hose in your yard and breaks his ankle, for example, liability insurance will pay for his medical expenses, up to the policy limit.

Mortgage Requirement

home insuranceOne reason homeowners need insurance is that mortgage companies require it. If you take out a mortgage, your house is the lender’s collateral, so your lender will require you to buy a minimum level of hazard insurance. That doesn’t prevent you from buying a greater amount than the minimum, Nolo states, if you think it necessary.

Special Property

Homeowners insurance covers most of the property in your home, but there are limits to what the insurer will pay for certain items, such as cash or jewelry, the “This Old House” website states. If you have a home office, hazard insurance doesn’t cover business equipment either. If you have personal or business property that isn’t covered, consider paying more money for a supplemental policy that will protect you if they’re damaged.

Exclusions

Homeowners insurance doesn’t protect you against everything: Insurers routinely exclude things such as flood damage and earthquake damage from coverage, though separate flood and earthquake policies may be available where you live. “This Old House” states that a “law exclusion” in your policy can be very expensive. If an older building is damaged more than 50 percent, it will have to be rebuilt to the current building-code standards; the law exclusion means the insurer won’t pay the cost of upgrading wiring or roofs to meet the code.

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4 months ago · by · 0 comments

New Virginia Driving Laws

There are many ways for Virginia drivers to stay safe and stay out of trouble with the police – some more obvious than others.  Don’t speed, don’t drink and drive, wear your seatbelt, don’t text and drive, don’t run red lights, don’t run down some poor sap crossing the street…  LOTS of rules that most of us really don’t have a problem following.  There are a few, however, that you may not be aware of that we’d like to mention now.  Below are some new driving laws that were inacted this year in the state of Virginia.

Dooring

Senate Bill 117 creates a traffic infraction with a $50 fine for opening a motor vehicle door when it is not reasonably safe to do so. Dooring, commonly used in reference to bicyclists, occurs when a motorist opens his vehicle’s door in the path of an oncoming cyclist or other vehicle. The impact can seriously injure or kill a bicyclist, not to mention scare the heck out of someone driving past, causing them to swerve and possibly hit the car next to them.  Before you get out of your car on the driver’s side, look carefully for approaching cars, bicyclest and pedestrians.  On the passenger side, make sure no one is walking close or riding their bike on the sidewalk.

Learner’s Permits

In Virginia, a person 15 years and 6 months of age is able to get their Learner’s Permit to drive with an adult.  That hasn’t changed.  But Senate Bill 555 of 2016 states that learner’s permit holders may not have more than one passenger under age 21 in the vehicle, with the exception of household or family members. The passenger restriction was previously placed on passengers under 18.In addition, provisional driver’s license holders under age 18 may no longer have more than one passenger under age 21 even if a parent is present. The passenger limitations on all provisional driver’s licenses also do not include household or family members. The initial license issued to any person younger than 18 years of age is considered a provisional driver’s license.

Both of these provisions are secondary offenses.

The law also changes the minimum learner’s permit holding periods for 18 year olds. Previously, 18 year olds with a learner’s permit had to wait a minimum of nine months before they could apply for a driver’s license. Now, they must only hold a learner’s permit for 60 days.

cellphone drivingCellphone usage

Learner’s permit holders may not use a cellphone or other wireless telecommunications device while driving, even if the device is in hands-free mode, except in a driver emergency or when the vehicle is lawfully parked or stopped.The following are a few other DMV-related law changes that were effective July 1, 2016:

Organ donors registered through DMV will remain on the registry unless they ask to be removed. Upon application, DMV will issue refunds of fuels taxes for fuels used in vehicles owned by a hunger-relief nonprofit organization when the vehicle is being used for this purpose.

For a list of all key highway safety laws in the state of Virginia, visit http://ghsa.org/html/stateinfo/bystate/va.html

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4 months ago · by · 0 comments

Virginia Road Rules

A quick rant about basic Road Rules

WHY must people sit in the fast lane and drive slow??? Everyone knows (or SHOULD know) that the left lane is for passing. Sure, if there’s a lot of traffic in the right lane, you could ride in the left. But at least do the speed limit for crying out loud, and move back over to the right when you’ve gotten past the cars. PLEASE! I’m begging you from the tread of my tires. Road Rage happens for a reason. People get frustrated, do stupid things, then cause accidents.

Now that I’ve gotten THAT off my hood, let’s talk about some other rules of the road that you might need reminding of. Every time you get behind the wheel, you accept responsibility for your actions. You must obey Virginia’s traffic laws, and ensure the safety of you, your passengers, and other motorists, pedestrians and bicyclists on the roadways.

Teddy Bear buckled with safety belt in a car

Seat Belts

Under Virginia law, the driver and all front seat passengers must wear safety belts. A driver transporting anyone younger than age 18 must ensure that the passenger is properly secured in a safety belt, booster seat or child safety seat no matter where the child is seated in the vehicle. Believe it or not, there are some states that do not have a seat belt law. New Hampshire has enacted neither a primary nor a secondary seat belt law for adults. That may be because of their “Live Free Or Die” mentality 🙂 They don’t have a helmet law either.

Turn Right On Red After Stop

In Virginia, we can turn right on red after stop (UNLESS there is a sign that specifically says you can’t). That means if you come to a complete stop at a red light and you’re planning to turn right, you look to your left and if it’s clear, you can proceed. It’s a GREAT rule and terrific timesaver. I will say however, not ALL STATES have the ‘right on red’ rule. New York, for instance, does not allow you to turn right on red after stop.

 Where Do I Put My Hands?

Is it 10 and 2? 1 and 7? Of course you’ll hear different things, but most people just put their hands on the steering wheel however it feels comfortable to them. The DMV says “Sit straight but relaxed and place your hands on the steering wheel. If your steering wheel were a clock, your hands should be at the 8 o’clock and 4 o’clock positions. Hold the wheel with your fingers and thumbs. Avoid gripping it with your palms.” So there you have it. 8 and 4.

The Virginia Driver’s Manual will help you learn and understand safe driving practices. CLICK HERE to get it.

We love Virginia. So much variety in it’s terrain. We have Mountains and Rivers; Bays and Ocean; white sands and red clay; green grass and pale yellow straw. You get the picture. Drive safely and take care of yourself and your family! And if you need insurance from a Virginian Insurance Agency, well, we MIGHT be ABLE to recommend someone!

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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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Combining homeowners or renters insurance with an auto insurance policy can provide you with big savings, thanks to our multi-product discount. Just contact us and let us know what you're looking for and we'll try to save you lots of money!

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716 Rio Rd West Charlottesville, VA 22901
434 979 0814

9103 Quioccasin Rd, Richmond, VA 23229
804 741 6305

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