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In everyday life we all rely on our insurance company to come through for us, to cover us and pay our claim when we make one.  Why else would we pay so much in monthly insurance bills? The point of insurance is to cover us when something goes wrong. We pay the insurance companies to…

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Many Drivers Who Cause Wrecks Through Negligent Driving Have Little or No Insurance Even though Mississippi drivers have been required to have automobile liability insurance since 2000, estimates show that as many as 25% of drivers in Mississippi are uninsured – one of the highest percentages in the country. An even higher percentage of drivers that do…

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In order to avoid serious financial complications after events including (but not limited to) wrecks, natural disasters, fires, and deaths; we purchase insurance. Insurance is supposed to provide peace of mind. An insurance policy is a contract – we pay premiums and, in return, the insurance company is supposed to provide compensation and coverage for…

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There are approximately 2 million big rig trucks traveling the roads and highways in this Country. Around 130,000 people are injured in 18-wheeler wrecks each year, with many accidents happening on the interstate and highway systems throughout Mississippi. The number of people killed in wrecks involving these big trucks has increased by approximately 25% in…

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Motorcycle Wrecks Can Be Devastating With the increase in the use of cell phones and other electronic devices to text, tweet, and engage in any number of social media interactions, wrecks caused by distracted driving are on the rise. Unfortunately, motorcyclists are more vulnerable to the dangers caused by distracted drivers on the road and…

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What is a Cooperation Clause? The purpose of a cooperation clause is to allow the insurance company to obtain more information about the circumstances behind a claim. Since the insured party usually will have more detailed information about what happened and what their losses are, homeowners typically must work with the insurance company’s investigators throughout…

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Many Drivers Who Cause Wrecks Through Negligent Driving Have Little or No Insurance Even though Mississippi drivers have been required to have automobile liability insurance since 2000, estimates show that as many as 25% of drivers in Mississippi are uninsured – one of the highest percentages in the country. An even higher percentage of drivers that do…

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Purchasing a home is a big financial step in anyone’s life. We all want to make sure we get enough insurance to protect our investment. Usually, our insurance agent or another representative of the insurance company will inspect our home to determine the amount of coverage needed to protect our investment – which is usually…

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Most homeowners policies include several types of “special” or “additional” coverages, which provide over-and-above coverage for our home and personal property. These special circumstances and additional coverages will provide compensation for items such as debris removal, landscaping, animal and insect damage, antique coverage and updates for city code compliance. Debris removal typically qualifies as additional coverage…

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When a home is damaged to the point of being uninhabitable, the insurance company is usually responsible for paying the homeowner’s expenses to live somewhere else. Under most policies, the insurance company must pay for the homeowner to live in a similar (type and quality) home to the insured property that was damaged or destroyed….

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