Insurance

This is a question we often get asked at Chrinco because, let’s face it, auto insurance can be confusing.  In Florida, most insurance coverages follow the car that you insure. For example, the comprehensive or collision coverage you purchased for Vehicle A cannot be used to cover Vehicle B.  There...

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If you're wondering whether or not your home insurance covers flooding, the short answer is: it depends on the type of flooding. First, there is the rising water flood.  These are the types of floods that you will see on the news.  You know, when heavy rains push the river...

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Tell me if this sounds familiar… You're paying your monthly bills and notice a significant increase in your auto insurance payment. Frustrated, you contact the insurance company and ask why they didn't notify you of the change in payment before taking money out of your checking account. They tell you...

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As homeowners, most all of us have been there. Your mortgage payment goes up for some unknown reason so you call your mortgage company. Your mortgage company informs you that your insurance has increased and they needed to adjust your payment to make up the shortfall in your escrow account...

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In the State of Florida, when you allow someone to use your vehicle you are also allowing them to use your insurance.  While there are certain situations where this doesn’t apply – in most instances, the friend who wrecked your car would be considered a permissive use driver in the...

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One question we often get asked at Chrinco is whether or not the homeowner should file a claim on their home insurance for a small loss. The short answer is – it depends. There are several factors to consider before filing a homeowners insurance claim.  First, how high is your deductible. ...

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