VISION
“At J.M. Insurance & Financial Inc. we strive to provide an irresistible experience for each and every customer or prospective customer. Additionally, we strive to provide the same level of service during each and every interaction with our referral partners. At J.M. Insurance & Financial Inc. we take great pride in the quality of our products and provide a high level of service.
MISSION
“Ensuring our clients are properly protected is our top priority. Recommending coverage and policies to meet their needs is our mission”
Time for some motorcycle maintenance! If you need to change your bike's spark plugs, start here.
ALLSTATE.COM
Change Motorcycle Spark Plugs | The Allstate Blog
Umbrella insurance provides additional liability coverage that goes above and beyond the liability limits of your existing homeowners or auto policy. See how it works.
ALLSTATE.COM
What is a Personal Umbrella Policy And When Do You Need It? | Allstate
To help protect domestic violence survivors & their frontline advocates and counselors, Allstate provided 80,000 masks to the National Network to End Domestic Violence. The masks will be distributed to more than 1,300 shelters across the U.S.
NNEDV.ORG
Domestic Violence Shelters and Survivors Receive Nearly 80,000 KN95 Masks to Protect Against COVID-19 - NNEDV
CINCINNATI.COM
Cincinnati ranks No. 2 for fastest home sales in the country, Re/Max reports
What if you had to retire earlier than you had expected? 53% of those surveyed in 2018 retired early and not by choice, primarily due to health issues or job loss. Call me today and let’s plan for the unexpected.
Teens are having back to school concerns. The Allstate Foundation offers resources to teach skills like resilience and stress-management to help them handle uncertainty. Learn more here: https://al.st/3m6mAq8
Boost your employee benefits package to help recruit and retain talent with supplemental coverage from Allstate Benefits like Accident, Critical Illness and Life Insurance. Call my agency to learn more!
ALLSTATEVOLUNTARY.COM
Accident claims with Allstate Benefits
You hope occasional renters will treat your space with as much care as you do. Allstate HostAdvantage® can help replace your stuff in case your home-sharing experience doesn't go as planned. Call me today to learn more!
Local domestic violence orgs save lives every single day. Small grants (like The Allstate Foundation's recent $500,000 funding initiative) help them keep the lights on and the doors open for those in need—like this survivor in Ohio. Read more: https://al.st/2FxbsBQ
Deer become very active in the fall. Here are some safe driving tips to help keep you safe on the road.
BLOG.ALLSTATE.COM
Deer Season: 5 Safe Driving Tips | The Allstate Blog
Critical Illness Insurance from Allstate Benefits can include a Wellness benefit that pays annually for preventive examinations. And, group plans offer competitive rates only available through employers. Call my agency to learn more at 513-574-8803.
ALLSTATEVOLUNTARY.COM
October is Breast Cancer Awareness Month
Myth: New cars cost more to insure. Learn why this isn't always the case.
ALLSTATE.COM
Do New Cars Cost More To Insure? | Allstate
We are focused on serving women to help them retire comfortably. Contact me at 513-574-8803 to see how I can help you plan for your specific needs.
A disability from an illness or injury can affect an employee’s finances. I can help individuals and families protect their finances with Disability Insurance through Allstate Benefits. Contact my agency to see how at <INSERT PHONE>.
ALLSTATEVOLUNTARY.COM
Disability Insurance from Allstate Benefits
Estate planning is not just for the top 1%. It helps ensure that your savings and property pass to intended loved ones. It can also offer protection in case of unexpected incapacity. Contact me to get started.
JM Insurance BLOG - Auto Coverage Types
Until the time we left our parents’ auto insurance coverage and had to purchase our own policy, many of us didn’t know or even care about the different insurance coverage types. Some are required by law, some required by lenders, and some are those niche needs like antique and collectable car policies.
Regardless of your situation as a newly independent policy shopper or first-time car buyer borrowing money for your dream car, you need to know your obligation. You should learn about the customary types of car insurance coverage. You will need to understand the available coverage types and how they will protect you, your passengers, and your car should you be involved in an accident.
The state you reside in determines by law which coverages you must have and which you can opt for. Knowing what your state laws are will help you determine coverage to fit your circumstance.
These coverage types are the most customary:
• auto liability coverage
• comprehensive coverage
• collision coverage
• uninsured and underinsured motorist coverage
• medical payments coverage
• personal injury protection coverage
Auto Liability Coverage
You must carry the minimum auto liability coverage in most states. For instance,
In Ohio these are the amounts:
“When you buy Ohio auto insurance coverage, you'll need at least the required state minimum amount: state minimums for Ohio are $25,000/$50,000/$25,000. $25,000 for bodily injury for each person involved, with a total maximum of $50,000 coverage per accident Liability coverage has two parts: Property Damage (PD) and Bodily Injury (BI)
In Indiana the minimum coverage amounts you must purchase are Bodily Injury (BI): up to $25,000 for the injuries or death of one person, to a total of $50,000 for two or more persons, in a given accident.
And Kentucky requires a minimum of “25/50/10” of bodily injury and property damage coverage.
• Property Damage (PD) liability covers for damage you cause to another person's property with your vehicle.
• Bodily Injury (BI) liability covers for injuries you cause to others if you hurt them in accident.
Comprehensive Coverage
Comprehensive is usually optional coverage — but your lender (bank or credit union) may require comprehensive coverage if you borrowed to purchase your vehicle.
Comprehensive helps you cover if your car is stolen or vandalized, damaged by hail, scratched by tree branches, or catches fire, etc. This type of coverage pays to have your damaged vehicle repaired or replaced depending on the extent of the harm.
A deductible generally applies with most Comprehensive policies and determines your out of pocket expense portion of the claim. Typically, the higher the deductible (what you are comfortable paying as your share before the insurance portion kicks in) the lower your premium costs. Conversely, a lower deductible amount equals a higher premium.
Collision Coverage
When you are in an accident with another car or collide with fixed objects like buildings, power poles, guardrails, or landscaping, etc., collision coverage will help you pay for the damage to your car.
Again, collision coverage may be optional. But it may be required by your bank or other financial lender.
Uninsured and Underinsured Motorist Coverage
This coverage is required in some states but not in others. When a driver crashes in to you and they don’t have insurance, your uninsured motorist coverage comes in to play. This coverage helps you pay for medical bills, and depending on your state, your car repair bills. If the driver who hits you has insurance, but they are underinsured (they have limits on their policy that aren’t substantial enough to pay your medical bills) your underinsured coverage can help.
Medical Payments (Med Pay) Coverage
This coverage is required in some states but not in others. When an accident occurs and injuries result, medical payment coverage helps pay for the associated costs. Costs for ambulance rides, emergency room and hospital visits add up quickly. You and the passengers in your insured vehicle are covered.
Personal Injury Protection (PIP)
This coverage is required in some states but not in others. This PIP coverage helps pay for expenses after the accident. It can cover costs caused by the accident among things like lost wages and babysitting if you miss work while visiting the doctor or going to physical therapy.
Many other Coverage Options are Available
Depending on your need, many other optional types of coverage are available to protect you: rental expense, new car replacement, towing costs, sound system coverage, and classic car insurance. For your auto insurance policy, call our office:
J.M. Insurance & Financial
(513) 496-2837
Our agency’s mission is to recommend coverage and policies meeting each individual need.
Ever had to fix a cracked phone screen? A phone protection plan may help pay for expensive repairs.
ALLSTATE.COM
What Is A Phone Protection Plan? | Allstate
