Wednesday, December 23, 2015

Need a last-minute free stocking stuffer (no, it's not related to auto or home insurance!)...



As we wish for and buy gifts this Christmas, it's important to remember that our most precious gifts are our children.  Help us keep our community’s kids safe.  For the 10th straight year, the David Yates Insurance Agency is pleased to offer Child I.D. Fingerprint kits, courtesy of Farmers Insurance, free of charge to anyone who requests them.
Child I.D. Fingerprint kit
These kits have everything you need to properly take and store your child’s fingerprints and personal information, and have ready in the event of an emergency.  It's a terrific stocking stuffer!


These all-in-one kits could play such a significant role in keeping your children safe, that I'll be glad to deliver them to you in person in the Nashville/Brentwood/Franklin/Nolensville/Spring Hill area.  Just give me a call. 


Of course, you are always welcome to stop by our office located at 1881 General George Patton Dr, Suite 103, Franklin TN 37067 (in Cool Springs), and we'll be happy to provide I.D. Kits to you free of charge.


David Yates Insurance Agency
1881 General George Patton Dr., Suite 103
Franklin, TN 37067
Phone 615-778-1816  Fax 615-778-1817
dyates1@farmersagent.com



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Monday, April 27, 2015

Car insurance -- demystified! The best 1-minute explanation I've ever seen...

Here's an easy way to understand what car insurance provides:


"Other-Person" coverage.  Hurt or kill someone, or damage their car, and your "other-person coverage" (also known as BI/PD or bodily injury/property damage) kicks in, but only to the limits you chose when you got your policy.  Is it enough?  Otherwise, you could be sued for hundreds of thousands of dollars -- coming from your home equity, savings/investments, even some of your future income. 

"You and Your Family" coverage.  If you or a family member is hurt or killed by someone with little or no insurance (half of the drivers out there), your "Uninsured/Underinsured" coverage steps in, up to the amount you chose when you first bought your policy.  Where would your family get the rest of the money to pay for the medical/funeral bills?  Do you think you have enough?

 "Your Car" coverage.  Make a mistake and wreck your car, and your "Collision" coverage helps out with the cost to repair or replace your car (after you pay an amount called the deductible).  If something else damages your car (tree branch, hail, road debris, hitting an animal, vandalism, stolen, etc.), your "Comprehensive" coverage helps out with the cost, after you pay the deductible.  You don't need this coverage forever, though -- did you know that?

Now that you know the absolute basics, know this:  Auto insurance policies ARE different.  That's why they're not all the same price.

And that's also why you'll get different answers to questions like these, depending on your insurance:  Is your friend covered when they drive your car?  Is that car you rent already covered by your insurance?  Is your new car covered for the full value of your loan?

If you bought your policy online or from a 1-800 call-center, these things probably weren't explained to you.  And you don't have an agent who will take a long-term, personal interest in you, explaining potential gaps you have in your coverage and fixing them for you.  With you and your family's financial future at risk, don't you think it's time you worked with an agent and company who will take the time to help you, not just themselves?

David Yates Insurance Agency
1881 General George Patton Dr., Suite 103
Franklin, TN 37067
Phone 615-778-1816  Fax 615-778-1817
dyates1@farmersagent.com

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Tuesday, March 24, 2015

Beware when someone uses the term "full coverage" when discussing your auto insurance...


Generally, when you hear that you have "full-coverage" auto insurance, what you think that term means, and what someone else thinks it means are likely to be two different things.  Same with "liability-only" auto insurance.  When protecting yourself, your family, and your assets, you don't want any misunderstandings between you and your insurance company!  That's why I don't use these terms with my clients.

The state of Tennessee requires you, at minimum, to have auto liability insurance that covers bodily injury/death and property damage for the "other guy" if you have a wreck with somebody.  That's it.  Yet, there are 5 to 7  specific coverages that you also need if you want to be properly protected.  How are you going to know if you have them, or not, if you tell a 1-800 company you want "liability-only", or full-coverage"?  How do you know what's right?

You need a local, qualified insurance agent who will happily spend the time with you, in person, to explain what the risks are, and make the proper recommendations based on your specific situation.  You can't get that from someone in a cubicle 500 miles away or from an online website.

Let me know how I can help you at my office in the Cool Springs area of Franklin, TN.

David Yates Insurance Agency
1881 General George Patton Dr., Suite 103
Franklin, TN 37067
Phone 615-778-1816  Fax 615-778-1817
dyates1@farmersagent.com

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