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John Eck
John Eck is the owner of the ECK Agency, Inc., which is an independent insurance agency representing over 80 companies offering life, health, property & casualty insurance. Beginning his career in 1968, he is a Certified Insurance Counselor, a licensed Kansas insurance broker, and has held numerous positions with other related business ventures. Currently an active member of his local School Board, he has also held elected positions on the City Council and Hospital Board in past years. John can be reached at his office by phone at (800) 444-4911, or you may e-mail him at: eck@eckagency.com
Insurance
2006-12-01 15:48:00
Ask the insurance man - series
ANSWER: Well, the larger the deductible the greater your savings, and risk, will be. Select a deductible based on the largest amount that you are comfortable paying for repairs to your vehicle in the event of an accident. QUESTION: What if my automobile has been stolen...will my insurance pay for a rental? ANSWER: If you carry comprehensive coverage on your stolen vehicle, you will be reimbursed on a rental up to a certain limit. However, if your auto is in the repair shop due to an accident, your insurance company will pay for a rental if you have purchased optional Substitute Transportation coverage. QUESTION: Regarding a rental, does my automobile insurance policy extend coverage to a rental car or truck? ANSWER: Some insurance companies don't cover rental cars automatically. One thing is certain, if you don't have collision or comprehensive on your current automobile policy, you will not have them on a rental car either. There may also be gaps in your insurance that will not cover the time a rental vehicle is absent from the rental fleet while it is being repaired or replaced. Check with your insurance consultant to ensure your protection. QUESTION: Why does one's premium go up when they get a ticket or have an accident? ANSWER: Statistics have shown that people who have recently been involved in an accident or have received a ticket are more likely to have another accident than those individuals whose driving records are incident free. Consequently, insurance companies charge a premium that most accurately reflects the likelihood of an individual having another accident within their policy term.
 
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