McCoy & Hiestand Attorneys at Law
insurance file

Shopping for or using our auto insurance is something we hope we don’t have to do very often. Unfortunately, that means many aren’t knowledgable when it comes to auto insurance. Understanding your policy or deciphering which policy you need begins with learning the basic types of insurance coverage. Types of Car Insurance Liability – required in most states, this type…

driving car steering wheel

Underinsured Motorist Coverage will add little to your bill but could really save you when the at fault driver falls short. What is underinsured coverage? Underinsured Motorist Coverage is additional coverage provided by your insurance policy that is not required by law. The purpose of Underinsured Motorist Coverage (UIM) is to protect you in case you are injured in an…

traffic driving headlights

While no-fault coverage seems like it relates to who caused the accident, that’s not the case. No-fault coverage also is referred to as Personal Injury Protection (PIP), which is a little more explanatory. In basic PIP coverage, your insurance company pays you for medical expenses, lost wages and similar costs due to an injury occurring in an automobile accident, regardless…

Flood Insurance

By Bryan Silver The past year has certainly put our flood insurance program to the test, with storms like Hurricane Matthew and historic flooding in Louisiana. Yet, when you consider what might be waiting in the wings as we progress into a potentially storm-filled future, the current numbers seem like just a drop in the bucket. While no one denies…

Shopping around for auto insurance coverage can be a daunting and sometimes frustrating task. Save yourself a headache by asking the right questions to help you find a policy that fits your needs and budget. 1. What type of coverage do I need? While liability insurance is the only requirement for most states, check to see what coverage is mandated…

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