Frees Advice

Non-Owned Auto Coverage

Posted on November 19, 2020 by Taylor Payne

So, I don’t own a car. Do I still need coverage?

When you own a car and carry car insurance protection, the policy typically has two very important sections of coverage. The first is liability and physical damage. Liability protects you in the event you are sued by others for injuring them or damaging their property. Physical damage is also known as collision and…

Tree Removal

Posted on October 22, 2020 by Taylor Payne

Tree removal is always a point of contention among homeowners with their insurance companies. These issues usually come up after a storm when trees have fallen in people’s yards. Most insurance companies will not pay if a tree falls over in your yard and does not hit anything. In most cases, the only time an insurance company will pay for tree removal is if…

What is Hold Back?

Posted on September 30, 2020 by Taylor Payne

How much more complicated can they make insurance? Most of the time, it’s really very simple. Insurance works on a principle called Indemnification.” This means that you get paid for what you lost. Your car insurance will pay you the depreciated value of your car. So, if your 2010 Ford F-150 is totaled from a loss, you get paid the current value of…

LKQ vs OEM Auto Parts

Posted on September 14, 2020 by Taylor Payne

We all know about generic drugs. We know that Chevy is the downmarket version of a Cadllic. We agreed with these and even buy them because of the savings. Yes, when it comes to getting cars repaired, there seems to be a tremendous amount of confusion when it comes to the three different types of parts that are available to repair shops and insurance companies…

COVID-19: Dude, Where’s My Car?

Posted on June 1, 2020 by Taylor Payne

We’ve all seen the photos of the lack of smog and pollution over Los Angeles since the COVID-19 Stay-at-Home orders were put in place. Those who have quarantined may not have driven anywhere except the grocery store, if you even did that. So, what does all of this mean for your car and your car insurance? Most insurance carriers are providing…

Insurance & COVID-19: Family Moving Home

Posted on May 28, 2020 by Taylor Payne

A long time ago, Lisa and I had a son that lived at home. He graduated from college, got a job, moved out and recently got married. He and his wife recently returned to our house as a refuge from living in New York City. What we experienced is happening all over the country as people attempt to deal with all of the changes brought…

Insurance & COVID-19: The New Home Office

Posted on May 18, 2020 by Taylor Payne

We have now all settled into a new routine. The morning is no longer stressed by a long commute in a car on congested roads. Instead, for most of us, the commute is from your kitchen to wherever your new make-shift desk is located. The stress of the commute is now replaced by the stress of trying to work from home and trying to…

Children Moving Out of the House

Posted on April 17, 2020 by Taylor Payne

Details. Details. Details…
They can be annoying in life, but they are VERY important in insurance. Who is an insured is defined within all policies. Most policies define an insured to include the named insured and “resident relatives.” This eliminates the need to add all of your children, aunts, parents, etc. But it also excludes coverage for children when they move out and establish another…

COVID-19: Ways to Save

Posted on April 7, 2020 by Taylor Payne

This year has gotten off to quite in interesting start with the COVID-19 pandemic. Cancellation of school, weddings, sports, and even the Olympics makes for challenging times. While these times have certainly been difficult, I like to think that they have also brought out the best in people.  We continue to look for ways to support the residents of Phoenixville and our local economy…

Home Insurance Uncovered: Dog Bites

Posted on March 10, 2020 by Taylor Payne

Woof! Woof! Ouch! More than one-third of all homeowners’ insurance liability claims are attributable to dog bites. Statistically, 61 percent of dog bites occur at the owner’s home; further, 77 percent of victims are bitten by a dog owned by a family member or family friend. Unfortunately, insurance companies are beginning to draw hard lines in the sand when it comes to dog…