Frees Advice

Who Pays The Medical Bills?

Posted on March 16, 2017 by Taylor Payne

Auto Insurance: Uncovered
How do medical bills related to an “auto accident” get paid?

We deal with some very strange concepts in insurance. One of the more peculiar issues with which we deal is the issue of “No Fault” medical expense coverage. In 1974, Pennsylvania began to require automobile insurance coverage. At that time, they devised a system to ensure that your medical bills would…

Exterior Plumbing: Is It Covered?

Posted on March 6, 2017 by Taylor Payne

Homeowners Insurance: Uncovered
Property insurance coverage can be purchased to include protection from all sorts of things. It is possible to buy coverage against just fire and wind. It is possible to secure coverage called “special form” protection. This “special form” coverage affords the broadest coverage available. There are somethings that will, however, NEVER be covered. Today’s example of one of those? Plumbing OUTSIDE…

Roadside Assistance vs AAA

Posted on March 2, 2017 by Taylor Payne

roadside assistance

Many of our clients ask whether they should purchase AAA or go with their auto insurance provider’s roadside assistance program. Many insurance companies including Travelers and Progressive offer affordable roadside programs, and they often cost much less money for nearly identical benefits. Both AAA and insurance company roadside assistance programs offer the following…

Towing or Flatbed services
Winching (for when a vehicle is off…

Protected From Flood? Probably Not!

Posted on February 22, 2017 by Taylor Payne

flood, flood insurance

Homeowners Insurance: Uncovered

The National Flood Insurance Program has established a legal definition for a flood as follows: A flood is a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow. 
Flooding occurs in EVERY state! Many people find out too late that they are at risk for flooding, and…

Rental Cars and Your Auto Insurance

Posted on February 15, 2017 by Taylor Payne

Auto Insurance: Uncovered
We spend a significant amount of time advising our clients about what insurance will do for them. We think it is equally important that we advise them of some of the basic areas where insurance will never respond. The past blog dealt with issues not covered by home insurance. Today, I want to spend some time on two issues that are not…

Insuring Valentine’s Gifts

Posted on February 6, 2017 by Taylor Payne

Valentine’s Day is right around the corner. For those of you who are giving or receiving the gift of jewelry, make sure you consider insuring those items. In the event of a loss you will have peace of mind knowing your beloved items are adequately covered. Under your homeowners policy, this endorsement would cover repairs of like kind and quality. If you have a…

Insurance vs. Warranty – Auto

Posted on January 31, 2017 by Taylor Payne

Your insurance covers a multitude of things. Unfortunately, it does not cover everything. Over the next few weeks, we are going to cover a series of things that are not covered by your home or auto insurance. This week is focused on auto.

General maintenance and wear and tear are never covered. They are especially not covered by your automobile insurance. Oil changes, tire rotations…

Insurance vs. Warranty – Home

Posted on January 24, 2017 by Taylor Payne

I have been spending a lot of time in the car lately. Listening to terrestrial radio gives you the opportunity to hear all sorts of ads for all sorts of crazy things. The one that recently caught my attention was the ad for the Home Warranty. It started out by indicating that your home insurance takes care of things like a zombie apocalypse or an…

Winter Storm Preparedness

Posted on January 5, 2017 by Taylor Payne

As Winter Storm Helena makes its way towards us, be sure you’re prepared for the first of many possible snow storms this season. While Helena isn’t bringing much snowfall, this is a good practice run for more major snow storms. Here is a winter storm preparedness list from the Red Cross…


Winter storms can range from a moderate snow over a few…

Holiday Tipping Guide

Posted on December 19, 2016 by Taylor Payne

From the Emily Post…

The holiday season is traditionally the time Americans choose to thank those who provide them with year-round services. It’s important to remember that holiday tipping is truly about saying thank you. With a little creativity you can accommodate everyone on your list this year without blowing your budget.

Here are some things to consider when you’re deciding how…