January 13, 2024
Bargain Insurance ConnectionHardship License: What Is It and How To Get It
A hardship license or “Limited Driving Privilege” (LDP) in Missouri is a special license issued to individuals whose driving rights have been suspended. It is not a full license, but rather a provision that allows the holder to commute for specific purposes like work, school, or medical appointments. This license is typically granted under circumstances […]
January 10, 2024
Bargain Insurance ConnectionUnderstanding Liability Auto Insurance
Liability auto insurance is a critical aspect of any auto insurance policy. It’s primarily designed to cover the cost of the other party’s property damage or medical expenses if you’re at fault in an accident. This type of insurance is often deemed the minimum car insurance coverage required by many states. Coverage of Liability Auto […]
January 4, 2024
AgencyDoes My Auto Insurance Cover My Trailer?
Are Trailers Covered Under Auto Insurance Policies? Navigating the ins and outs of auto insurance can sometimes feel like a labyrinth. Especially when it comes to understanding the nuances of coverage for non-standard items like trailers. So, the burning question is – are trailers covered under a standard auto policy? The answer is not as […]
December 29, 2023
Bargain Insurance ConnectionIs Your Home Adequately Insured? Let’s Uncover the Truth!
Owning a home typically goes hand-in-hand with having homeowners insurance. But, have you ever stopped to wonder, do you have ample coverage? Consider a disastrous event such as a fire. Would your insurance cover the full costs to rebuild your home? It’s an alarming fact that many homeowners are underinsured, leaving them exposed to substantial […]
December 29, 2023
AgencyDoes Home Insurance Cover Hurricane Damage?
Hurricanes can cause widespread destruction to residences, forcing homeowners to face the formidable challenge of reconstructing their lives. Regardless of your home’s proximity to the coastline, potential property damage stemming from powerful winds and flooding is a real concern. Conducting a comprehensive review of your insurance coverage to ensure adequate protection in case a hurricane […]
December 25, 2023
Bargain Insurance ConnectionWhat Is Comprehensive Insurance?
Comprehensive coverage, often found in auto insurance policies, might raise a question – what exactly does it cover? Essentially, it’s a protective shield for your vehicle against damage not caused by a collision. This includes unforeseen events such as theft, vandalism, natural disasters, or encounters with wildlife. Unlike liability or collision insurance, comprehensive coverage handles […]
December 18, 2023
Bargain Insurance ConnectionCracked Windshields: Does Your Insurance Cover That?
Many of us have encountered the frustration of windshield cracks on our vehicles. It can be quite bothersome, particularly when it obstructs our view of the road ahead. The most common cause of cracked windshields is flying debris hitting the glass. This can occur when vehicles drive over loose rocks or other small objects on […]
December 14, 2023
Bargain Insurance ConnectionWhat is Agreed Value in Insurance?
Agreed value is a critical term in an insurance policy that refers to a pre-determined value for an insured item. It is the amount mutually agreed upon by both the insurer and the policyholder at the inception of the policy. In case of a total loss, such as if the insured item is destroyed or […]
December 10, 2023
Bargain Insurance ConnectionVictim of a Hit and Run Accident? What To Do
Accidents are an unfortunate part of life and can happen to anyone. But, being a victim of a hit and run accident can be devastating. You may be confused and uncertain about what actions to take. In this blog post, we will list things you need to do immediately after a hit and run […]
December 9, 2023
Bargain Insurance ConnectionSalvage Cars: Can You Insure Them?
What is a Salvage Vehicle? A salvage car, generally speaking, is a vehicle deemed a “total loss” by its insurer. This happens when a car’s repair cost exceeds its actual cash value. The insurance company, following an accident or damage, makes this declaration. These vehicles are left with a “salvage” title, indicating their status – […]