Category: Car Insurance

How Depreciation Can Affect Your Auto Insurance Premiums

The value of virtually any expensive item changes as time passes. For a high-quality bottle of wine or a rare painting, the value may increase as the item ages. Cars and other vehicles usually only exclusively depreciate, losing significant value as the years pass. There are some rare exceptions, such as antique or other collectible vehicles. With a new car, the biggest drop in value... Read Article

Tips to Stay Safe While Driving in Winter Weather

You depend on your vehicle to get you from point A to point B safely and soundly, even when dealing with the hazards winter weather brings. From the moment your vehicle is in motion, winter driving demands your full attention. With rainstorms, black ice, slush, or a whiteout wall of snow, you are at higher risk of a collision or breakdown. While having auto insurance... Read Article

Avoid a Headache When You Can’t Avoid What’s in the Road

In a majority of cases, hitting an animal while driving is unavoidable. As upsetting as this event can be, it is also capable of causing substantial damage to your vehicle, particularly if the animal is large. Deer related accidents are common in rural areas, with the average repair from these accidents exceeding $3,300. At Oberryman Insurance Agency we recommend that our clients review their auto... Read Article

How to Handle Being Hit While Parked

Hit and run accidents frequently occur while a vehicle is parked on the street, in a parking structure or at the local shopping mall. Often the guilty party does not leave contact information which leaves the vehicle owner with the problem of getting the damage repaired. To add to the burden, many people are unclear on what to do in this situation and are unsure... Read Article

Two Exceptions to Permissive Use Car Insurance Coverage

Your car insurance may not cover every person who drives your vehicle on an occasional basis. Members of your household who are most likely to use your vehicle are usually named as drivers on your insurance policy. Some auto insurance policies more generally cover “household members” – but what are the exceptions? Your car insurance policy (buried in the fine print) will define the term “household... Read Article