What is “Full Coverage” Auto Insurance?

Full coverage has different meanings to different people. When most people refer to full coverage they’re referring to a mix of insurance coverages to protect their vehicle.  That being said, there is no such thing as “full coverage” just a combination of coverage options that will protect your vehicle as well as others on the road. Let’s look at this closer.

Some coverages such as Bodily Injury and Property Damage (also known as liability insurance) are required by law.  You can choose just how much liability insurance to carry, but at a minimum, this is required by your state law in order to drive your vehicle.

Other coverages such as Collision, Comprehensive, Personal Injury (PIP), MedPay, Roadside Assistance, Rental Reimbursement, and Uninsured/Underinsured Motorist (UM/UIM) are optional coverages in most states. Some states do have laws that also require UM/UIM and PIP/MedPay be purchased.

So, the choice really becomes, “How much insurance do you want?” Deciding on how much insurance you want or need is a combination of factors that only you can decide. A licensed insurance agent can help you decide on what options may be best for your situation, your budget and your needs, but ultimately, the choice is yours to decide.

Contact Heuer Insurance for an auto insurance quote or a review of your current policy. We strive to make sure all of our clients have the proper coverage for their needs.

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I Got Hit By Someone Who Doesn’t Have Insurance – Now What?

According to a recent study by the National Association of Insurance Commissioners, approximately one out of every 8 drivers in the United States are uninsured. That’s a staggering figure when you think about your chances of being struck by one.  So, what can you do to protect yourself from an uninsured driver?

The good news is there is a line of insurance coverage specifically for uninsured motorists, called (you guessed it) Uninsured Motorist Property Damage & Uninsured Motorist Bodily Injury coverage. This is an optional coverage that is available to most drivers. Let’s take a closer look at these coverages and see how they work.

Uninsured Motorist Property Damage

Uninsured Motorist Property Damage (commonly referred to as UMPD) pays for losses incurred to your vehicle when it is hit by an uninsured motorist. This coverage may also pay for damages associated with a hit and run driver.

Uninsured Motorist Bodily Injury

Uninsured Motorist Bodily Injury (commonly referred to as UMBI or UM) pays for your medical expenses when involved in an accident with an uninsured driver. UMBI may also cover your passengers who are in your vehicle during a covered loss.

Underinsured Motorist (UIM)

Underinsured Motorist Coverage pays for injuries such as medical expenses, lost wages and settlements from a driver who is at-fault and does not carry enough insurance to cover your losses.

You should also carefully deliberate the amount of insurance coverage that you need. Available options, limits and coverages vary by state. Each state has different requirements and laws when it comes to uninsured motorist insurance. Be sure to ask an agent in our office about these coverages if you’d like them. Contact us today!

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Heuer Insurance Agency’s August Newsletter

As we look to close summer, families are planning for their Sons or Daughters to be moving into a college dorm or residence. We often get asked, “How does Lauren or Mark moving out of the area to attend school affect our insurance?” That’s a great question and we need to look for both the exposure of Liability/Property insurance AND Car insurance.

       Now keep in mind, some policies coverage details are different than others, so we talk in general terms for today’s blog. If you have specific questions I recommend you talking to your friendly agent at Heuer Insurance. In a nutshell most homeowners policies coverage for the distant student will automatically extend from your home, in the amount of 10% of your coverage C, or Property coverage. The Liability coverage for that distant student is also typically extended from your homeowners’ policy. Any “high valued” items like a computer or expensive bike, might want to be specifically listed in your homeowner’s policy, that way you can be sure you have the proper coverage and the deductible is also waived. Sounds simple huh?

       The situation on how it affects your car insurance policy is a little different but straight forward as well. Again, I suggest a conversation with your Heuer Insurance agent to discuss any specifics. First off, the rates remain the same as though they still lived at home. Even better than that, at times there are discounts for “Distant Students” and “Good Students”. If this scenario sounds like your family, that call to Heuer Insurance is important!



       As for agency news, we had two work anniversaries since we last wrote. Two key players celebrated another year with the office. Debi Baucom hit 41 years and LaRee Cobb 32. We couldn’t do it without these guys. Please help me in congratulating them on another milestone!



      Thanks for reading this month’s blog and THANK YOU for all the business we get to handle for you! Don’t forget our referral program. Some good money has been handed out as well as two tickets to see Keith! Get in on the action and you could be our next lucky winner!

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Heuer Insurance Agency’s July Newsletter

Our much appreciated receptionist Gina, suggested a blog on the horrors of parking lots. She is a hard working Mom to not one, but two young drivers and we all need to wish her a little bit of good luck with that!

Well she is right, parking lots are FULL of dangers and it takes an experienced and/or lucky driver to make it through them. Fortunately technology has come to the rescue! Most new cars have back up cameras as well as side sensors to guide us in and out of our parking spot. The bigger the vehicle the more important these types of sensors are.  All the sensors in the world help you in your car, but the biggest danger is always the “other guy”. While it’s not your job to teach the “other guy”, you can take steps to avoid him or her. Experts suggest the most defensive way to park in a parking lot, is to drive THROUGH the parking space so you don’t have to back up at all. This takes the whole “I started backing out first and they hit me!” scenario out of the picture. If you can’t find a spot that lets you pull through the space, look towards the back of the parking lot for your answer. Another real danger not often talked about is taking care opening your doors, including cautioning anyone in the back seat to look before opening the back doors. So, between new technology and a better way to park, we hope you navigate the roads and stay aware out there. Be at your best, off your phone and navigate parking lots with all due care. Most police departments don’t investigate parking lot accidents, so you are stuck either paying your deductible or dealing with the other party’s insurance, and neither one is going to be any fun.

Here’s a shout out to all our referral winners! Congratulations Jeff A, Grace D and Angela K for winning our monthly $100 VISA gift cards.

An extra shout out to Jeff A for winning the BIG prize which was concert tickets to Keith Urban in South Lake Tahoe! Thank you all for the referrals, be sure you get yours in you could be the next winner!