May 22, 2019
AgencyWill Tickets Impact My Car Insurance Rates Forever?
If you get a speeding ticket, or any other citation, you might have to let your Cloverleaf Insurance agent know about the infraction. In other cases, the authorities will automatically send the citation to the insurer. One thing is certain, however. When you get a ticket, your insurer will likely find out. They might increase […]
May 17, 2019
AgencyIs Walking while Drunk Safe?
Don’t drive drunk! Oh, and don’t walk drunk, either. There were more than 4,000 pedestrians killed — and 35 percent of them were drunk. Mothers Against Drunk Driving and many other organizations have done a great job educating the public about the dangers of driving under the influence. While drunk driving is still a problem, […]
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 […]