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Generally, a car is “totaled” when it will cost more to repair the car than the car’s actual cash value (ACV) is worth. Of course, it’s a little more complicated than that, as Gary Wickert explains in Claims JournalWhen is A Vehicle Considered a Total Loss?

“The criteria for deciding when a car is a total loss and when it can be repaired vary from insurance company to insurance...

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  • How do burglars choose a home to break in to? Once they pick a target, how do they actually break in? And once in a home, what are they looking for? If you want to know that, go to the experts. KGW TV station in Portland, Oregon did just that. They turned to 86 inmates in the Oregon Department of Corrections, poling them in a 17-question survey questions ranging from whether security signs or alarms stopped them and what homeowners can do to avoid being burglarized. They compiled the...
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Not again. The news is full of reports that more than 500 million online users had their privacy breached in the recent Yahoo online hack. Yahoo is not alone – LinkedIn, MySpace, Dropbox, Target, Anthem, Sony — it’s impossible to keep track, but you can see a list of the largest data breaches of all time for a trip down memory lane. And now we learn that Russian hackers are trying to compromise our voting and election...

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Home renovation can increase the value of your home, protect your investment, and make your home a more enjoyable place to live. But if you’re thinking about renovating, it’s really important not to shortchange the planning process.

Consumer Reports has some good start-to-finish advice for you in a recent issue. In addition to the short video clip in this post, they offer advice in the article, ...

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September is National Preparedness Month – here’s one simple thing you can do: Download some free apps for your phone so that if you find yourself in an emergency, you are ready. Pass them along to your family members too, so you can all be informed. Here are a few suggestions.

The free FEMA app is a must. One great new feature is that you can get weather alerts from the National Weather Service for up to five locations...

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If you have a child headed off to college, it’s time to check your current insurance policies and have a talk with your insurance agent to ensure your student has adequate protection.

Homeowners / renters insurance
If your student will be living in a dorm, their possessions may be covered by your homeowners policy for perils like fire, theft, vandalism and natural disasters such as a hurricane. But your coverage may have limits – the Insurance...

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Consumer Reports has a special August feature on the importance of bike helmets noting that, “More head injuries occur in biking than in any other sport—and bike helmets can save your life.” They cite data from the Insurance Institute for Highway Safety: 60% of people who died in a bike accident in 2014 were not wearing a helmet. See our prior post on ...

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Getting married? There’s a lot you need to think of both before and after the wedding, but in all the planning, one of the things that is often overlooked is your insurance needs. Have you notified your insurance agent about your plans? He or she can be one of your best friends! For example, as a couple, you may be eligible for auto discounts or a savings on health insurance. You may also want to secure life insurance, and should be sure to change the beneficiaries on any key insurance or...

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