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Jun 15, 2016
Rental Car Insurance
Apr 15, 2016
Life Insurance
Mar 22, 2016
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Jul

05

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Tennessee Data Breach Statute Update Written by Coker, Wolfe & Associates, Inc. on Jul 5, 2016

On March 24, 2016, Tennessee Governor Bill Haslam signed into law a bill amending the state’s Data Breach Notification Statute.  The amendments, which will go into effect on July 1, 2016, bring significant changes to how businesses must respond to data breaches involving information of Tennessee residents.
The amended statute requires notification be provided to residents affected by a data breach within 45 days after discovery of the breach. Prior to this amendment, Tennessee’s statute only mandated disclosure of a data breach be made ...

Jun

15

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Rental Car Insurance Written by Coker, Wolfe & Associates, Inc. on Jun 15, 2016

Going to rent a car while on vacation? Do you need to buy the rental car company’s expensive Collision Damage Waiver (CDW) insurance?

To be safe, yes. While your liability, collision and comprehensive coverage generally carry over to rented vehicles, there are a few “gotchas” that you need to consider.
The rental agreement makes you responsible for many other things than just direct damage to their car. While there are several areas of concern and potential ...

May

15

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Flood and Earthquake Insurance Written by Coker, Wolfe & Associates, Inc. on May 15, 2016

Flood events over the past years have prompted many questions and much discussion concerning the coverage provided by a property insurance policy.  Or, more importantly, what coverage is not provided. Standard property insurance policies exclude several perils, but most notably flood and earthquake.  Fortunately, they are the only excluded perils for which you can buy coverage.  The property policy can be endorsed to include earthquake, but flood is always purchased as a separate policy.
 
The basic flood ...

Apr

15

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Life Insurance Written by Coker, Wolfe & Associates, Inc. on Apr 15, 2016

LIFE INSURANCE Q & A – A BUYER’S GUIDE
 
How much life insurance do I need?  In a typical family situation, we recommend, at a minimum, having enough to pay off all indebtedness – home, auto, etc.  While this provides a “clean slate” at that point, there are still substantial day-to-day living expenses and maybe education costs to consider.  Will there be an adequate income or does it need supplemented?  ...

Mar

22

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Home Insurance Written by Coker, Wolfe & Associates, Inc. on Mar 22, 2016

HOME INSURANCE PITFALLS
 
You are aware, as with all policies, homeowner policies aren’t all inclusive. They have limitations on certain type losses and total exclusions on others, such as:
 
1) Flood
2) Earthquake
3) Backup of Sewers and Drains
4) Sinkhole collapse
5) Limited or no coverage for codes compliance during reconstruction
6) Power surge damage to appliances and electronics
7) Golf carts, ATV’s and watercraft
 
The good news is these ...