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  • Life insurance policy

“I’m About to Have a Baby!” – Life Insurance Matters

With a new baby on the way, you may be thinking about how your new addition may affect your life insurance policy and what you’re covered for. At James Flynn Insurance, we’ve put together some pointers on what to expect when you’re expecting. Be Prepared for Your New Arrival If you don’t already have one, a life insurance policy is a great way to ensure that your loved ones are taken care of should anything happen to you. If you’re pregnant, now is the time to be thinking about how having a baby could affect a multitude of things and Read more
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What Is the Difference Between Split Limit Liability Coverage and Single Limit Liability Coverage?

What Is the Difference Between Split Limit Liability Coverage and Single Limit Liability Coverage? Split limit liability is what you would typically see on a personal auto policy. The options are typically: 30/60/25 50/100/50 100/300/100 250/500/250 In these scenarios, the first number represents the limit for bodily injury per person. The second number is a per accident limit for bodily injury and the third is a per accident limit for property damage. In a single limit policy (usually only available in a business auto policy) there is one cumulative limit to cover any injury or damage occurring from a covered Read more
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What Is the Difference Between Bodily Injury Liability Coverage and Medical Payments Coverage in Auto Insurance?

What Is the Difference Between Bodily Injury Liability Coverage and Medical Payments Coverage in Auto Insurance? Whenever the word liability is included in insurance coverage, it will pertain to covering someone other than the person insured under the policy. If you were to collide with someone else and they were injured, the bodily injury limits on your policy would apply to their medical needs. Medical payments coverage is there for you if the accident you caused injured you. Often, people will have limits on medical coverage that match the deductible for their personal health insurance policy. Read more