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Your car is totaled – How Much Will Insurance Pay?

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A vehicle is considered a total loss if the insurance company determines that the total cost to repair your car to pre-accident condition, plus fees for storage, salvage and a replacement rental car (if included in your policy), is more than a certain percentage of car’s retail value. Insurers set their own allowable percentage, within state-mandated guidelines (typically around 60 to 75 percent), and use their own formulas to determine a car’s value and estimated repair costs.Thus, if your $4,500-valued 2002 Honda Civic sustains $1,800 worth of damage — moderate bodywork and repainting these days — it might be deemed totaled, even though the engine still runs fine. On the other hand, a late-model Mercedes could sustain far greater damage and still be considered salvageable.

EMERGE INSURANCE904-677-5884

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What Is the Difference Between Comprehensive & Collision

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In brief, comprehensive auto insurance covers everything except collision. Collision insurance protects drivers in the case of encounters with other vehicles, objects, people, and the surface of the road. Collision insurance will cover the driver whether or not he or she is at fault for the accident. It also provides for towing, storage, and salvage if the car has been badly damaged. Generally, collision insurance will cover the cost of repairs to the vehicle, or replacement if it is badly damaged, unless the repairs are due to mechanical failure as a result of improper maintenance. In both the case of collision coverage and comprehensive auto insurance, several factors will influence the cost of the insurance. The age and experience of the driver, amount of yearly mileage anticipated, area in which the car will be driven, and value of the car will all be taken into account. With older cars, drivers should weigh the cost of the insurance against the value of the car to determine if the coverage should be carried. In almost all cases, collision and comprehensive auto insurance packages are subject to a deductible, which can range in price.Call us for an assessment of your coverage needs.EMERGE INSURANCE904-677-5884

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The Value of An Independent Agent

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When it comes to providing insurance, independence is a serious asset. As an independent insurance agency, we are not bound by the plans of a single insurance company. We have the flexibility to survey the entire market and select plans that are best suited for our clients. 

Declare your own independence, and let us help you with your specific solutions for life’s what ifs.EMERGE INSURANCE AGENCY904-677-5884

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What Is A BOP

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A business owner’s policy, or BOP, is a type of pre-packaged insurance designed for certain types of small-business owners. The BOP allows business owners to save on liability insurance costs by bundling multiple insurance policies together for a single affordable premium.

Let us assess your company’s business risk and guide you through the needed protections.EMERGE INSURANCE904-677-5884

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What Cars Will Increase the Cost of Insurance

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There are many factors that go into the calculation of car-insurance rates, and one of the most important of which is the type of vehicle being insured. As a general rule, the more expensive a vehicle is, the more costly it will be to insure. The cost of repairs is also considered, as is the claim frequency of certain makes and models. Other factors such as safety equipment and vehicle usage will affect the premium as well. Need an auto insurance quote?EMERGE INSURANCE904-677-5884 

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How Do You Switch Car Insurance And Get What You Paid Back?

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Switching car insurance is quite easy and we handle that transaction for our client.   As an independent agency we shop to find a better rate and provide you with detailed comparisons. Once the new company is found, you have applied and been approved, we handle the cancellation of the old policy. Naturally, we never cancel an existing policy before purchasing your new coverage. The process does not take long, and you could save hundreds of dollars.Need to make a switch?EMERGE INSURANCE904-677-5884
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