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Home » Archives for millerins

millerins

June 10, 2024
millerins

Legal system abuse creates unnecessary burdens for consumers and businesses alike.

Unnecessary, profit-driven lawsuit abuse comes at a high price, as increased litigation costs are passed down to households and businesses. According to the U.S. Chamber Institute for Legal Reform, the average American household pays a more than $3,600 “tort tax” as a result of rampant legal system abuse by trial attorneys. Nationwide, some trial lawyers continue […]
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May 30, 2024
millerins

Why electric vehicles are harder to insure

Electric vehicles (EVs) can present unique challenges for insurers, but they aren’t necessarily “hard” to insure in an absolute sense. However, several factors contribute to insurers carefully assessing risks associated with EVs: High Repair Costs: EVs often have expensive components such as batteries and sophisticated electronics. In the event of a collision or damage, repair […]
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May 15, 2024
millerins

Refrigerator Ice and Water Maker Line Causing Damage and How to Prevent it

Having your fridge’s ice and water maker line causing damages can be quite a headache. Here are some steps you can take to prevent such incidents: Regular Inspections: Routinely inspect the water line for any signs of wear, tear, or damage. Look for leaks, cracks, or loose connections. This can help you catch any potential […]
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May 10, 2024
millerins

How should insurance fit in my financial portfolio

Insurance plays a critical role in your financial portfolio by providing protection against unexpected events that could otherwise derail your financial stability. Here’s how insurance should fit into your overall financial strategy: Risk Management: Insurance helps you manage various risks in life, such as health issues, accidents, property damage, and even death. By transferring these […]
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April 29, 2024
millerins

Best ways to protect your home from wildfire

Protecting your home from wildfires requires a combination of proactive measures and preparation. Here are some of the best ways to safeguard your home: Create Defensible Space: Maintain a buffer zone around your home by clearing vegetation, debris, and other flammable materials. Aim for at least 30 feet of defensible space, and consider extending it […]
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April 23, 2024
millerins

How does an accident affect my insurance? Should I pay for a small claim myself?

An accident can indeed affect your insurance premiums, typically resulting in an increase. Insurance companies base their rates on risk, and if you’re involved in an accident, they may view you as a higher risk to insure. However, the extent of the impact can vary depending on several factors, such as the severity of the […]
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April 15, 2024
millerins

The importance of using your insurance for large losses versus small ones

Using insurance for large losses rather than small ones can be financially prudent for several reasons: Cost Control: Insurance premiums are often influenced by claim frequency. Making small claims frequently can lead to higher premiums over time. By reserving your insurance for significant losses, you can avoid frequent claims and potentially keep your premiums lower. […]
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April 2, 2024
millerins

What is Social Inflation and how does it impact insurance costs?

Social inflation refers to the phenomenon where increasing litigation costs, higher jury awards, and other societal factors contribute to rising insurance claim costs. This can lead insurance companies to increase their rates to cover these higher costs. Factors contributing to social inflation include: Litigation Trends: A rise in litigation frequency and severity, including larger settlements […]
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March 20, 2024
millerins

The importance of replacing your roof for insurance purposes

Coverage Eligibility: Insurance companies may require that your roof be in good condition to provide coverage. If your roof is old, damaged, or in poor condition, it may not be eligible for coverage, or your insurance claim may be denied in case of damage.  We are seeing more and more insurance companies not renewing home […]
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March 7, 2024
millerins

What to look for when purchasing insurance

When purchasing insurance, there are several key factors to consider to ensure you’re getting the coverage that best fits your needs. Here are some things to consider: Coverage Types: Understand what types of coverage are available for your specific needs. Common types include auto insurance, life insurance, homeowners or renters insurance, motorcycle insurance, RV insurance, […]
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