If you own a home or car, it is imperative that you renew your homeowners and auto insurance. When considering renewal, you might come across a number of options that will help you make sure that you have the coverage you need at a good price. There are numerous Lake Charles auto insurance options, where you can find an agent for auto, home, business insurance, and obtain policies that come with the largest discounts.
1. Auto Insurance
You need auto insurance any time you own a car, but you should search for insurance that offers discounts. These discounts could be in the form of multi-policy, good driver and in some instances, carriers offer accident forgiveness. Understanding your auto insurance and which repairs should come out of your pocket versus submitting a claim, can help you avoid spending too much. You should ask if there is a way to structure your insurance to save money. For instance, if you can afford to, you might find that choosing a plan with a higher deductible drops your rate significantly.
2. Home Insurance
Storm-resistant windows, shutters, home security systems and monitoring.
According to the III, hail and wind were the #1 cause of loss in 2016. Nearly 1 in 40 homes has an insurance claim in this category every year. While not inexpensive to upgrade, hurricane resistant glass and roll-down shutters help prevent wind damage associated with hurricanes and tropical storms.
A home security system is another upgrade homeowners can usually make to reduce risk of loss from burglary and secure homeowners insurance discounts. Home security falls under protective device discounts and could include something as simple to install as door sensors and smoke alarms.
Before making voluntary upgrades to your home, consult with an insurance agent about the type of system you are considering and how and if it will impact your policy coverage and potential discounts. Certain requirements and standards may be required for eligibility, and not every state or carrier offers discounts for these upgrades.
They might flip you to their car insurance plans, and you will get a policy discount because you have more than one policy.
3. Multiple Policy Discounts
You may be surprised to learn about multiple policy discounts. if you are trying to save money, ask the company how much money you can save by bundling your auto and homeowners insurance. It could be as easy as get a discount every time you add a car or a home with a current carrier.
4. How Long Do The Policies Last?
Typical auto insurance policies are renewed every six months. Homeowners insurance are usually quoted for a year, however, most homeowners don’t shop insurance very often and once in place they generally stay with the same company until they sell or refinance their home. That is why is important to shop for the best rates on your homeowners insurance initially.
5. Call Your Agent
The best insurance agents are aware of the discounts available to their clients from their various insurance carriers. If you are serious about saving money on your auto and homeowners insurance, dedicate an hour to go over your insurance needs with an agent. Allow them time to ask the questions need, and give them honest answers. It is their job to help you manage your risk, while saving you money.
The auto, home, and business insurance that you buy from your agent should be tailored to your situation. You can ask for auto insurance Lake Charles options that are actually affordable, or you could look at options that you believe would be best for you. You could buy a policy that has a very low deductible, or you could get something with a low premium that makes the monthly payments easier to handle. To learn more, schedule a consultation with Kelly Lee Insurance, your best option for home and auto insurance in Lake Charles, La.
The who, why and when of vaccines.
704 cases of measles, in 22 states have been confirmed in the United States since January 1st, 2019, This is the largest number of cases reported in then U.S.since measles was declared eliminated in 2000. With measles in the spotlight and on the rise, we thought we would share the following information from the CDC with our followers.
Kelly Lee Insurance | Our Policy is Caring! | (337) 656-2890
When it rains, many times, it pours. When it pours, all that water can lead to flooded homes. Did you know homes can flood when there hasn’t been a drop of rain for weeks? A common cause of household flooding comes from appliances that leak or malfunction.
Drip, drip, drip. It’s just a small leak, you barely even notice, but is it causing destruction? Uh-oh, the washer failed to drain after the cleaning cycle and as the rinse cycle runs more water it overflows rushing from the laundry room into the kitchen and running down the hallways to the bedrooms. Water from an emergency situation, or a gradual build-up, both can cause costly damage to your home.
Dishwashers, Washing Machines, and Refrigerators with Automatic Ice Machines are the three most common household appliances that cause homes to flood and endure water damage. Here are some maintenance and inspections tips to follow to lessen the likelihood of falling victim to an appliance caused household flood.
Dishwashers have supply and discharge lines that pump water in and out during the wash and rinse cycles. If one of those lines springs a leak and ultimately explodes, gallons of water can flood the kitchen causing damage.
Soapy water can also backup in the dishwasher spilling out onto the floor. This backup of water is usually caused from a malfunction like a faulty float, food and debris clogging the drain gate or the discharge house, or using the wrong detergent.
To aid in the prevention of a dishwasher caused household flood, it is recommended that the drain gate be checked frequently clearing debris and food particles. Hoses and connections should be routinely inspected for leaks. Also, purchase and use dishwashing detergent recommended for the make and model of your appliance.
A hole as small as a pin prick can cause a constant small drip to lead to big household floods if ignored. Many times, water can build up and cause hidden damage. If a washing machine supply line bursts, it can cause great damage.
Again, prevention is key. Check your hoses and connections closely at least twice a year. Are there cracks, holes, any moisture or water spots from the hoses are where connection are made? Does your hose have plenty of room and lie smooth or are there kinks in the hose?
If it is time to replace your hoses, think about using stainless steel hoses instead of rubber. Maintain a minimum of four inches between the washing machine and wall. That way hoses aren’t crowded and cramped. Installation of an automatic shutoff valve, that can sense water pooling on the floor and shutdown the water supply by closing the valve, might be a good tool to prevent household flooding.
Ice that comes from an automatic maker in the refrigerator/freezer is genius. We love the convenience but again a leaking line to spell household flood disaster.
Make sure it is installed properly and the copper hose won’t come loose, or worse, disconnect totally. Routine inspection of the water line is the best way to detect a small leak before it becomes a big problem. The four inches away rule applies to this appliance as well. Leave that gap to prevent crimping.
Routine inspection and immediate repair are the best ways to prevent household appliance flooding. You should also inspect your homeowner insurance policy to understand what your coverage would be in an event of an appliance caused flood.
Call Kelly Lee Insurance today for a no-obligation quote for all your insurance needs.
Ah, Spring! Summer is a few months away. Is your vehicle ready for the weekend road trip or summer vacation travel? Here are a few car maintenance items to check out and do before you hit the road.
Schedule any routine maintenance before your trip so you won’t have to stop for it during your trip. Oil change still a few hundred miles out? Get it done before you hit the road and to avoid any performance issues. Have all fluids topped off and make sure your tires are rotated. Maintaining these things gives you a better ride and lessens the chance of routine maintenance needing to be done when you are away from your trusted car care facility.
Have your tire air pressure checked (including the spare) and have tires inspected for wear. Many vehicles have only a donut as a spare. Consider having your spare replaced with a full size tire that way you can continue a trip at normal speeds and distances without a trip to the tire shop.
Replace windshield wiper blades if need be and make certain you have plenty of fluid in the windshield well. It is recommended to replace them every 6 to 12 months.
Have all your lights checked just like you would for a vehicle inspection. Turn signals, headlights, and tail lights should all be in working condition. Don’t hit the road without making sure all are operational. If you will be pulling a trailer or camper, make certain those lights are all in working order. It is also a good idea to carry a spare fuse.
If a indicator light is on, have it checked by a qualified mechanic. It is better to know why the light came on than take a chance while on the open road.
Have a mechanic check your radiator, hoses, and belts for wear. Your car will run better and you can prevent being temporarily stranded if these are close to replacement time. Prevention is the best cure when it comes to hoses and belts.
Have your brake system inspected. Making sure your vehicle can stop on a dime prevents many accidents. Brake pads wear thin and sometimes unevenly. You may not notice they are about to go out until it is too late. Have a qualified professional take a look.
Check the suspension of your vehicle. Being in a vehicle with worn struts and/or shocks can be likened to flying in an airplane plagued by turbulence. Bouncing up and down after every little bump in the road does not make for a pleasant trip. Have worn springs, struts, and shocks replaced.
Have the air conditioning system serviced and checked. It gets hot quickly in a car and adding to the misery of a hot, humid day is a vehicle without cool air.
Clean your vehicle from top to bottom, inside and out, before your trip. Maintain the cleanliness inside with trash bags instead of using the floor boards for waste. At each pit stop, throw your trash away and clean the windshield.
One last thing to check is your car, truck, SUV, or motorcycle insurance coverage. Knowledge is power, and when traveling knowing you are covered in the event of an accident can greatly increase your chances of relaxing. Kelly Lee Insurance agents can give you a fast, no-obligation quote by telephone or online. Make certain you have the insurance coverage you need at prices you can afford, for even the youngest drivers in your family, and take a vacation free from worry.
Taking Responsibility? Here’s Why You Should Keep Car Insurance
There are several reasons why car insurance is a necessity and not an option for drivers. To begin with, car insurance is a legal requirement in the District of Columbia and most of the 50 states. However, there are drivers who would rather drive without car insurance, and this would be a costly mistake. Please note, that it would only take one accident for you to become indebted thousands or even tens of thousands of dollars.
Coverage In Louisiana
Let's talk about driving in Louisiana without having car insurance. First, opting not to have car insurance will most likely result in heavy fines. If pulled over, you could also have your license suspended or your car can be impounded. If you opt out of carrying car insurance in Lake Charles, the state has a “no pay, no play” law which means that even if the other driver is at fault in an accident, you can not collect financial loss. These are just a few examples of how much you stand to lose if you do not carry car insurance.
But, much of these costs can be eliminated by a cost effective car insurance policy. In Louisiana, drivers are under an “at-fault” system meaning that the person who is at fault in a car accident is the driver that will be responsible for all financial costs, including vehicle damages, medical expenses from injuries incurred in the accident, lost income, and possibly more.
Collision and Comprehensive Coverage
In general, as a car owner, you should have collision and comprehensive coverage as part of your auto insurance policy. Comprehensive coverage helps to pay for repairs whether damage was caused by a car accident or in the unfortunate event a tree fell on it. This coverage also helps with a replacement if your car is stolen. Collision insurance coverage will repair your car if you are hit by another driver or by an object.
Taking a chance by not having collision or comprehensive coverage is going to render you a large financial loss. Keep in mind that most financial institutions and leasing companies will require you to purchase and maintain comprehensive and collision. .
Below are 3 reasons why car insurance is a necessity and not an option:
1.Car Insurance Supports Your Health Insurance
If you're injured in a car accident your insurance offers coverages for injuries that you experience as a driver. Car insurance can pay for unfortunate injuries from a car accident that most health insurances do not cover, i.e., care for accident-related dental care, or funeral expenses. Additional medical expenses related to an automobile accident that is provided under your car insurance policy's medical payments coverage can include:
* EMT charges
* coverage for hospital and doctor visits
* nursing services and medical care
* rehabilitation care
* surgical procedures
Coverage also pays for the medical treatment of injuries to passengers and to help recover any financial compensation. Medical expense claims for car accidents total more than $277 billion each year.
2.Car Insurance Provides Legal Protection
Even if you have car insurance you can still be sued for damages, especially if you are at fault. There is nothing to stop the other driver from suing you after an accident even if they are in the wrong. For experienced assistance purchasing car insurance in Lake Charles, Kelly Lee Insurance is your go to resource in the state of Louisiana.
Liability insurance or bodily injury liability can cover your court costs, while property damage liability covers damages to another person's property. Liability coverage can help settle lawsuits brought against you, including providing a lawyer to represent you.
3.Car Insurance Provides Protection From Acts Of God
There have been 56 hurricanes hit the Louisiana coast since the year 1851. This equates to a storm occurring every three years. With winds, flying debris, flooding, and more, comprehensive car insurance coverage covers you from damages caused by natural disasters.
Getting auto insurance in Lake Charles can help repair your vehicle or replace it. In recent news, we have heard of avalanches roaring unexpectedly down mountain highways destroying everything in their path.
Car insurance can provide coverage from earthquakes, hurricanes, tornadoes, floods, fires, and more. To find affordable auto insurance in Lake Charles call Kelly Lee Insurance where we are sure to have the additional coverage you need that includes falling objects, explosions, windstorms, hail, thefts, riot, or an unfortunate collision with an animal.
If you are unsure of what you need in an insurance policy, call us today. We often write same day policies. Call (337) 656-2890 or visit www.kellyleeinsurance.com/auto-quote for an online auto insurance quote.
Car insurance is required by law to drive, but why do you really need it? Most people figure it's something they have to do but care little about the benefits of car insurance and its meaning in their lives.
Every day, there are over 17,000 car accidents in the United States, and over forty thousand people die from car crash injuries each year.
Many of those who survive often face significant physical and emotional trauma. Hospital bills and repair costs can cost thousands upon thousands of dollars. Are you able to cover theses cost if it happens to you?
The truth is that no one wants to pay for car insurance, and understanding all of the reasons why you should have it won't make you any more eager to fork over a hundred or more dollars each month. But auto insurance in Lake Charles isn't just something people with enough money should have. Every licensed driver should have car insurance in Lake Charles. This article will take a look at some of the more significant reasons why auto insurance matters.
Everyone is Protected When There's Insurance
After a car accident, drive and passenger safety and recovery are the top priorities. No one wants to stress about a court date and think about how they'll manage to pay their expenses. Car insurance is protection, plain and simple. Every state has required minimum coverage limits that ensure drivers can cover moderate damages in the event of an accident.
The most common minimum car insurance requirements are:
You may not want to pay for each of these different types of coverage, but they all serve a unique purpose that offer a blanket of protection if you're in an accident. Bodily injury liability pays for the other car's injured passengers medical expenses. If only one driver has insurance, uninsured or underinsured motorist coverage kicks in.
Underinsured/uninsured coverage protects drivers and covers expenses for an accident when the at fault driver doesn't have insurance, or their insurance coverage is low, and is insufficient to cover the claim.
PIP coverage is there to provide some financial support regardless of who is at-fault in an accident. This provides a peace of mind and sense of security if you're ever in an accident and require emergency medical care.
Property damage, as the name implies, covers the cost of the other driver's repairs in an accident.
As you can see, most of the car insurance requirements don't pay for you, but the other driver. What does that mean? In the event of an accident, you're relying on the other driver to have insurance that can pay for your expenses if you were not at fault.
If drivers choose not to carry auto insurance in Lake Charles, or they simply can't afford it, they put others' lives and finances at risk every time they get behind the wheel.
Insurance Covers More Than Accidents
Car insurance in Lake Charles can be customized to cover a variety of life events. Many types of supplemental coverage pay for damages and repairs that aren't caused by another driver. Some of the most damaging things that can happen to your car don't even occur on the road!
Take theft and vandalism coverage. If your car is broken into and someone steals your laptop, who pays for it? Most people would just file a police report and figure they're out of luck, but if you have theft protection added onto your car insurance, you'll be able to replace stolen property.
Car insurance policies can also cover weather damage, accidents involving animals, towing and rental vehicles while your car is in the shop after an accident.
Being sure about your business needs is crucial to staying afloat, especially in a competitive world where not everyone can be trusted. Imagine conducting business with someone who promises to perform a service for you. On the day they are to perform said service, they fail to show up.
Imagine hiring a contractor for an expansion that is desperately needed for your business to grow to the next level. Your highly recommended contractor is doing a fabulous job. Everything is on schedule and your Grand Opening of the new wing of your business is planned for the end of the following month. You order food, entertainment, print invitations, and media to cover the opening and 3 weeks before completion, your trusted, high-producing contractor suffers some personnel issues and is unable to maintain the work pace because he no longer has qualified employees. The job, that you already paid for, is shut down. You cannot find a replacement contractor. You cancel your Grand Opening Celebration. How much money would you lose? It could mean a significant loss unless you had protection against losses from obligations not being met. Surety Bonds are an insurance product that covers contractors.
Surety (or Commercial) Bonds are used to protect the obligee (client) in the case of nonperformance. Basically, a Surety Bond, or Commercial Bond insures the hired party will perform or funds will be returned and losses covered.
To put it in bond, Surety Bond, language, a surety protects the obligee against losses if the principal does not meet their obligations. Further definitions to help you understand the language are: the obligee is the hiring party, the principal is the hired person or party, and the surety is the insurance company who guarantees that the obliging contractor can fulfill the obligation.
Let’s put it in first person: The obligee or hiring party is you. The principal or hired person is your contractor. The surety is the insurer.
Kelly Lee Insurance has access to over 50 independent underwriting sources, this means you can find the best value Surety Bonds for your business. Rates on Surety or Commercial Bonds are dependent on several factors including risk, type of business, and the cost of the project or work to be performed.
The business world can be complicated, the business world can be uncertain, however, with the issuance of a Surety Bond your project can find concrete footing in the case of an unforeseen impediment.
Surety Bonds are not applicable to every type of business. Surety Bonds may not be necessary or even obtainable for every situation that involves hiring a contractor to provide a service.
If you would like more information on Surety Bonds or Commercial Bonds in Lake Charles LA, call your local insurance agent Kelly Lee Insurance. They are than willing to have a no-obligation discussion about the protection this type of insurance affords your clients.
If Kelly Lee Insurance is your agent for auto, life, business, and/or home, then you know about the top-notch service their local staff provides on a daily basis. They are ready and willing to help make your business decisions and operations are sure as possible.
On Monday, March 4, 2019, major drugmaker Eli Lilly announced that they would begin selling an authorized generic version of their top-selling insulin, Humalog 100, for half the cost. A vial of Humalog 100 costs $275, while a vial of the generic version, Insulin Lispro, will cost $137.35 per vial.
The company said their new product—which will be offered in both vial and pen options—will be sold through their subsidiary ImClone Systems in pharmacies as soon as possible, according to the company’s statement. Eli Lilly will continue to offer its name-brand insulin to insurers and employers while making its generic version available to patients who pay for the medicine out-of-pocket.
What’s the difference between the two drugs?
A misconception that is common among consumers is that a generic medication is inferior to a brand name medication. In actuality, a generic drug is identical to a name-brand drug in safety, form, dosaage, strength, route of administration, quality, performance characteristics and intended use. In addition, any generic medication approved by the Food and Drug Administration (FDA) must pass the same stringent standards as brand name drugs.
This action is one of the latest by a major drugmaker to offer lower-priced versions of popular drugs. However, Eli Lilly’s announcement is considered by the many Americans to be a step in the right direction when it comes to pricing of medications needed to manage chronic conditions.
Eli Lilly’s generic insulin offering announcement comes almost one week after top drugmaker CEOs were called before the Senate to undergo questioning about the rising costs of drug prices. While there is a long way to go to fix skyrocketing drug prices, this most recent announcement demonstrates a step in the right direction.
Everyone knows you should get life insurance, auto home business insurance. Yet, does anyone actually know why?
Yes, Kelly Lee insurance is there to cover liabilities, acts of God, and other accidental damages that crop up from time to time in life. However, insurance serves a greater long term purpose. Insurance provides financial stability to your budgeting.
By making a life insurance policy the basis of your financial security, you ensure that your family will be covered in the instance of your death. You can then build your savings, investments, and future financial goals upon the knowledge that your family will be covered even if the economy tanks. This allows you to take calculated risks and over time become financially independent as your investments take hold.
The same is true for commercial trailer insurance and business insurance. Business insurance is the backbone upon which you build your company’s future stability. There are several instances which business insurance covers, and we’ll get into them below.
Instance #1: Liability Insurance Policies
Liability insurance is put in place to safeguard your business from the costs of claims filed against your company. Whether an employee or customer sustain a bodily injury on your property, your liability insurance will help you stay safe in the midst of a lawsuit. It will also allow your employee or client to be fairly compensated in the event that the company was at fault. While collecting on this claim could hurt your reputation with the insurance company, the coverage of liability is essential for keeping you in business if an injured party is badly hurt.
There are several liability programs on the market. These include, but are not limited to general liability, professional liability and commercial umbrella insurance. Each has its own policies and addendums to suit the type of industry you operate within and the kind of people you employ.
Instance #2: Employee Insurance Policies
As a piggyback off of liability coverage, businesses can also engage in Workers’ Compensation programs which provide employee benefits for those suffering from work-related injuries and illnesses. These not only help workers get back on their feet after the accident but keeps your business safe if an employee or their family member decides to sue you unjustly. As with life insurance, factors like job safety, claims history and the size of your payroll affect the rates you will receive. However, the higher premiums are likely worth it to ensure that you are covered in the event of an injury.
Instance #3: Property Policies
Property policies aim to protect your properties in the instance of a natural disaster or terrorist action. These events are impossible to predict. While your company should do everything in its power to make sure safety standards are up to code, no one can anticipate a freak tornado coming through and demolishing your infrastructure. In this case, 40% of businesses go under because they do not have proper property protection for acts of God. The world we live in is unpredictable. Your financial security depends on having a policy that protects against the unknown.
It is better to purchase insurance and find out you never needed it than to never have it and soon after discover that you need it.
The protection business insurance offers is not an invitation to be lazy with safety measures. Just like with life and commercial trailer insurance, business insurance is a security for your finances in the instance of the unforeseen and unpredictable. Allow Kelly Lee Insurance to share the options they offer on auto, home, business and commercial insurance so you can find the coverage that best fits you and the company you are building.
Lake Charles remains a close-knit community despite its surging growth. Part of being in community for many involves attending local church services. On a recent Sunday morning, as announcements were made to the congregation of a medium-sized local church, three deaths were mentioned so the faith community could pay respects and offer prayers of comfort.
A 69-year-old gentleman had passed after a brief battle with cancer. A 32-year-old man had succumbed to injuries from an accident and a 92-year-old woman left her earthly life due to natural causes. All very different in stages of life, age, and family status. Yet death came; as it will for all of us.
Death is not something we like to talk about. It reminds us of our humanness and that all of us will face the loss of loved ones and our own mortality someday. Grief is a part of life and experienced by those who suffer the loss of beloved friends and family members.
The widely recognized stages of grief include denial, anger, bargaining, depression, and acceptance. Individuals go through the stages at different paces and degrees of emotion. One of the best things you can do for those you leave behind is purchasing a life insurance policy.
At the very least, a life insurance policy that will cover burial expenses can ease some of the stages of grief that your loved ones will experience. Having life insurance for yourself is a wonderful gift you can leave your loved ones. It is a way to make certain you receive the burial you desired to celebrate your earthly life. Another way you can aid yourself through the grief that you will experience when you lose a loved one is to have the peace of mind in knowing they are properly insured.
Parents of adult children might consider keeping policies on them in the event that they have not planned appropriately. Making certain that your elderly parents have the amount of insurance needed at this stage in their lives is also important to aid the transition that you will experience when they die.
There are many ways to protect the ones you love from financial hardship associated with the loss of your life. Sit down for a frank and informative conversation with a local Lake Charles Kelly Lee insurance agent.
These professionals are long-standing community members who care about their neighbors. They will explain the difference between term-life insurance and permanent life insurance.
Having the patience and understanding to answer your questions about life insurance regardless of what they may be is a customer service feature that not all insurance companies can offer. A no-obligation meeting can be made so you can have insurance explained to you.
Whether you already have life insurance policies in place or this is the first time you will explore what you and your family needs are when it comes to facing the expenses associated with your death, Kelly Lee Insurance agents are confidential, friendly, and willing to guide you through this topic. Make certain your loved ones are provided for when your time comes and lessen their grief, call Kelly Lee today.