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Otterstedt Insurance Agency
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What Does Gap Insurance Cover? - Gap insurance is one type of insurance coverage that might puzzle many drivers. Understanding what this type of coverage does and does not protect will help you make an informed decision about whether it’s the right choice for you. In order to discuss what gap insurance covers, it is best to explain what gap insurance is. This is an add-on coverage designed to help car owners cover “gaps” between the actual cash value of the vehicle at the time of the accide...

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4 Common Business Insurance Claims - As a business owner in today’s fast-paced climate you have a lot on your plate. It’s not all about operating your business, though. You must take steps to protect your business as well. With that in mind, getting insurance is a great way to help your business survive the ups and downs that happen along the way. These are four common business insurance claims you’ll want to be sure your business is properly protected against. 1) Product Liability When pro...

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How Do Insurance Companies Determine The Value of a Totaled Car?

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Should I Purchase Rental Car Insurance? - Renting a car can be confusing. When you are standing at the rental car counter and are in the process of filling out your paperwork to rent the car, oftentimes you will experience a high-pressure pitch to purchase rental car insurance. But is this something you really need to buy? There are a few reasons to consider making the investment in auto insurance from the rental car company, but there are others to forego it. In many cases, your current au...

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Renting Your House With Airbnb? Make Sure You Are Insured Properly

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Can an Employee Sue my Business if I have Workers Comp? - For the most part, providing workers’ compensation benefits to employees bars those employees from suing your organization if they are injured on the job. It’s one of the many benefits employers receive by offering this valuable insurance coverage to employees. However, there are circumstances in which employers do not have the protection that providing workers compensation coverage affords. It’s important to remember that each state...

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What Optional or Extended Coverage Can I Purchase as Part of a Homeowners Policy?

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How to Lower Car Insurance for Teenagers - For many teens, getting a driver’s license is the first of many important rites of passage. For their parents, on the other hand, it opens a new world of fears and concerns. Aside from the safety concerns, there are concerns over auto insurance and the impact of adding a teen driver to your monthly rates. Consider taking these steps to help reduce the costs of auto insurance for your teen driver. Allow Companies to Track Your Driving Many insurance...

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Will My Insurance Pay To Have a Dangerous Tree Removed? - Tree are quite common around houses and in communities throughout the U.S. Occasionally time, disease, and the elements take a toll on trees, turning them into dangers to your own property or the property of others. Does Insurance Pay for the Removal of Standing Trees? Most home insurance policies specifically exclude trees that are still standing – even after they become a danger. You, as a homeowner, are responsible for maintaining...

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Is Damage From A Hurricane Covered? - While hurricanes can occur at any time of year, the main season for hurricanes is June through November. Historically, these are the dates when tropical activity is most likely to occur. Before hurricane season gets fully into swing, it’s a good idea for anyone living in a coastal community, including those living in or near the New Jersey coastal areas, to ask themselves if they are covered for the damage hurricanes bring. Water Damage from Hurricanes ...
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