May 13, 2019
AgencyTypes of Auto Coverage
Many know more about what’s in their yogurt than what’s in their auto insurance. Personal Auto Insurance: You’re paying for it, but do you know what you’re buying? Whether you drive in a big city or on a farm, your auto insurance policy will typically include several types of coverage. You may pay a separate […]
May 8, 2019
AgencyCar Insurance Claims
At Claim Time, Help Us Help You! Insurance often presents a conundrum for our clients: While everyone knows you need protection in case of a loss, no one wants to have that loss. But when, despite your best efforts or simply due to everyday driver craziness, events spiral beyond your control and that loss occurs, […]
May 3, 2019
AgencyDistracted Driving – Two Words That Should Never Be Seen Together
Distracted Driving Do you sometimes wonder at drivers focused on everything but the road? She’s testing on the beltway! He’s reading a map on his tablet behind that semi on I-55! She’s turned around, yelling at a child in the back seat and totally unaware of those flashing lights at the railroad crossing. Welcome to […]
April 23, 2019
AgencyHere’s what to do if you find “Do-Not-Call” seems more like “They Still Call.”
As you probably know, the Do-Not-Call Registry has been around for several years now. However, it hasn’t completely stopped spam calls. What gives? It has been effective at reducing calls. The majority of Americans have reported getting far fewer calls from telemarketers. However, most people still get some—what can you do about it? First, you […]
April 19, 2019
AgencyUnderstanding Driver License Suspensions And Revocations
When you get a driver’s license, it is not a document that lasts permanently. At minimum, your license will expire after a period of years. Yet, even certain actions behind the wheel might cause you to lose your license. You might get a license suspension. In other cases, you could even face license revocations. Depending […]
April 17, 2019
AgencyEver wondered how insurance companies come up with your homeowner premiums? Here’s the inside info!
Accurately pricing homeowners insurance is not simple. Determining the premium for your home involves mathematical calculation based on many factors history has shown may increase or decrease your chance of suffering a loss. Consider how the following rate factors may affect your premium: Characteristics of your home: its age, material, wiring, structure, roof, garage Location: […]
April 4, 2019
AgencySure you have insurance, but does the guy who hit you?
I’m Insured, so Why Do I Need Uninsured Motorist Coverage? You’re enjoying a pleasant drive along the river or through the Ozarks, when WHAM! Out of nowhere, another vehicle crashes into you. To make matters worse, while later facing a pile of medical bills, you find out the other driver had no insurance. Now how […]
March 19, 2019
AgencyMy Friend Wrecked My Car. Do I Pay For The Damage?
Many people let their friends borrow their personal cars. Usually, you can trust your acquaintance to return the car to you in pristine condition. But, that is not always the case. What if your friend wrecks your vehicle? What if the crash involves others? Are you responsible? It’s not a crime to let friends drive […]
March 15, 2019
AgencyCan I Minimize Hail Damage?
Before hail starts coming down, you need to think “roof” and “car.” Am I covered? When thunderstorms roll in, experienced residents of our area know the odds are good you may literally find yourself asking, “What the…hail?” Have I called Cloverleaf Insurance 1-800-530-5822? Yes, hail—that frozen nemesis of crops, roof shingles and auto bodies—is not […]
February 25, 2019
AgencyParts Of Auto Insurance Policy
Many people purchase auto insurance for protection in the case of an accident, but not everyone has taken the time to actually read their insurance policy. A solid understanding of the coverages provided in your policy will help to make sure that you’re comfortable with the coverages you have, and it will also help you […]