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Coggins Insurance Agency Blog: independent insurance agent

View the latest blog posts from Coggins Insurance Agency.

Q:  Hey Gina, what is a premium audit? A: Premium audits are commonly performed on General Liability, Liquor Liability and Workers Compensation policies. This is an audit of the exposure basis for an insurance policy (i.e. READ MORE >>

Q:  Hey Gina, how do I know if my auto insurance covers my rental car? A:   Your personal auto insurance, including all limits and deductibles, extends to almost any rental car you drive. That means, if you carry comprehensive and collision coverage on your vehicle, you’ll be protected against physical damage to your rental car. READ MORE >>

Q: Hey Gina, can you explain what PIP is and what it does?   A: The Pips put the “Woo-woo!” behind Gladys Knight’s midnight train, but in the insurance world, “PIP” stands for Personal Injury Protection. Also known as “no-fault coverage,” PIP is mandatory in Florida. READ MORE >>

Q:  Hey Gina, what is an insurance score? A: An insurance score is a numerical point system utilized by insurers to predict risk.  It is a key component to determining the total premium that an individual will pay for auto, homeowner’s, life and health insurance. READ MORE >>

Q:  Hey Gina, why does my independent insurance agent request a vehicle identification number (VIN) when I apply for a car insurance quote? A:  Using the VIN, the 17-digit alphanumeric serial number found on the dashboard on the driver's side of the vehicle, is the easiest way to determine the correct make, model, body style, engine and transmission type for your vehicle. READ MORE >>

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