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Insurance Newsletter

Accident caused by another driver

9/10/2019

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An accident occurred in November of 2006 involving two vehicles, both vehicles were owned by a business.  One of the businesses filed a claim with the other business insurance company, the claim was denied. The basis of the claim denial is the failure to disclose all listed drivers to the insurance company. 

Often in our personal lives consumers fail to exclude roommates, or people living in the same home that is at least 16 years or older. When you purchase insurance you enter into a contract were both parties are agreeing to something in exchange for terms and conditions. One of those conditions is disclosing all information to the insurance company. Failure to do so can void the contract and leave you with no coverage when you need it the most. 

Source: 
District Court of Appeal of Florida, Third District. Telemundo Television Studios, LLC, Appellant, v. Aequicap Insurance Company, Appellee. No. 3D09-1961. June 16, 2010. 38 So.3d 807

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Is Your Car Worth Less Than Your Loan?

7/12/2019

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Currently, car loans may last as long as four to six years and leases are becoming more expensive. Whether your vehicle is a coupe, sedan, van, sports utility vehicle, hybrid, or truck, your vehicle's value will depreciate very quickly. A rapid loss of actual value accompanied by a longer loan obligation spells trouble.
It isn't unusual for the amount of the unpaid loan and lease balance to become much larger than the vehicle's value. This disparity exists over much of the loan or lease period. Making matters worse is that this gap is usually only discovered after a total loss. After the insurer pays its obligation, you may have to pay the bank or leasing company thousands of dollars out of your own pocket. The situation is an unfortunate side effect of the need to extend financing to accommodate extremely expensive vehicles. However, there are a couple of solutions to the dilemma.
The Auto Loan/Lease Coverage Endorsement
This optional coverage is available from a variety of insurance companies. The form provides coverage for the following:
  • Leased vehicles - Reimburses you for the difference between the amount due under the terms of the lease and the actual cash value of the auto in the event of the auto's total loss.
  • Owned vehicles - Pays any outstanding indebtedness incurred by you for that financed new vehicle in the event that there is total loss or damage to the vehicle and the amount due under the finance agreement is greater than the actual cash value of the automobile.
On smaller, partial losses, an insurer will normally pay to have the damages repaired or parts replaced, and the lease or loan gap coverage option is not a factor.
Exclusions
Generally, this optional coverage excludes items such as overdue lease payments, penalties (for excessive use, abnormal wear and tear, or high mileage), security deposits, costs of warranties or various types of credit insurance, or carryover balances from a previous lease.
Auto Replacement Cost Coverage
For an additional premium, a new car owner may buy coverage to settle major losses based on the vehicle's replacement cost rather than its depreciated value. There are some limitations, such as:
  • the coverage is usually only available for new or nearly new (two years old or less) cars
  • there may be a maximum dollar amount that applies to a total loss
  • substitute arrangements are typical when the lost or destroyed vehicle model or year can't be matched
If you have a newer vehicle and are concerned that you could suffer a large out-of-pocket expense if your car is totaled, you should talk to a qualified insurance professional to answer your questions. You may find that the extra protection is worth the extra cost.

©The Rough Notes Company, Inc.
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Dante Thompson recognized for helping consumers with qualified health coverage

1/15/2019

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Health Insurance Marketplace Circle of Champions
                                                                                        January 15, 2019

Las Vegas, Nevada - Dante Thompson has been recognized for his hard work and expertise in helping consumers enroll in and manage qualified health coverage through the Health Insurance Marketplace.

This nationwide recognition from the Centers for Medicare & Medicaid Services (CMS) as a member of the 2019 Marketplace Circle of Champions highlights Dante Thompson success in enrolling over 90 consumers during this Open Enrollment Period.

“Consumers turn to agents and brokers for trusted advice and guidance in selecting plans, enrolling in coverage, and managing their health insurance policies throughout the year,” said Randy Pate, Director of Center for Consumer Information & Insurance Oversight (CCIIO) operation within CMS, which oversees the Marketplace. “We thank Dante Thompson for his hard work and exceptional service in helping Americans get coverage.”

The Marketplace Circle of Champions program recognizes the hard work, expertise and service of Marketplace-registered agents and brokers. Agents and brokers who assist 20 or more consumers qualify for the Marketplace Circle of Champions.

Eligible consumers can enroll in Marketplace coverage during this year’s Open Enrollment Period, which runs November 1 – December 15, 2018. Consumers with questions about their coverage or who would like help enrolling, can contact Dante Thompson  at
(702) 996-6434
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Get BIG savings for Defensive Driving

11/24/2018

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Defensive Driving Skills
So You Need (or Want) to Take a Defensive Driving Course

Whether you were caught speeding (or worse), you’re looking for a discount on your car insurance, or you simply want to be a better driver, there are a wide range of defensive driving and driver improvement courses available in Las Vegas these days.
 
But, which is right for you? Here are five tips to help you decide:
 
1. Check with your state or municipality. If you’re taking training to avoid a traffic infraction, not just any course will do. You’ll need to take an approved course – ask for a list before signing up.
 
2. Check with your insurer. The same goes if you’d like to potentially save on your car insurance. Your carrier may only offer a car insurance discount for completing certain courses. Also ask how much your discount will be — this will help when it comes time to choose a course.
 
3. Choose the type of course. There are online and classroom options, typically ranging from 4-12 hours depending on the course material. And, there are advantages to each. Online courses offer convenience (and sometimes a lower cost), while in-person settings can provide more interaction.
 
4. Determine how much you want to spend. If you’re trying to avoid a ticket (and a potential increase in your insurance premiums), the cost might not be much of an issue. If you’re taking a course to receive an insurance discount, however, make sure the total discount you’ll receive is greater than the cost of the course.
 
5. Check out the reviews. Online review sites, such as Yelp, can show you what others thought of a course. Keep in mind, people who felt “forced” to take a course might have a biased opinion, especially compared to someone who took the course willingly.
 
No matter why you’re considering a defensive driving course, we’re happy to help you weigh the pros and cons. The biggest pro being, once you complete your training, you’re likely to be a little more careful the next time you get behind the wheel. And, that always pays off!

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Identity Theft is on the Rise

6/7/2018

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​Technology has given us many great things.  Utilizing technology information, documents, banking, and communicating is faster then ever. However, bad people continue to exploit the systems that we have in place.  The United States Health and Human Services and the United States Attorney General reported that consumers are receiving telephone calls from there government agencies requesting your information. 

If you get a phone call from someone pretending to represent a governmental agency, try gathering as much information about the caller as you can. Next you are advised to call the United States Health and Human Services or the United States Attorney General. 

The United States Health and Human Services can be reached by calling 1-800-447-8477 pr by email to spoof@oig.hhs.gov 
The United States Attorney General can be reached by calling 1-877-382-4357 or 1-877-FTC-HELP. 
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Proudly serving families since 2011 ​

Personal lines insurance products sold exclusively through affiliated insurance companies. 
Health Insurance is sold through the health insurance marketplace, and direct health insurance carriers. All insurance plans are subject to final underwriting review and review by the respective insurance carrier.  In California our independent insurance agency operates as Thompson-Penny Insurance Agency CA License 6008499 

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