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    Personal Insurance Blog

    Insurance Agents: The Good Guys

    Posted by Gordon Atlantic Insurance

    Wed, Feb 15, 2017 @ 11:41 AM

    Respect your insurance companys personal home storm policies after reading this story from Andrew Gordon IncA short story, from real life:

    A lawyer in Charlotte, NC purchased an extremely expensive box of cigars that he thought he could get for free by ‘beating the system.’ He had the cigars insured against floods, storm damage, and fire (I think you see where this is going).

    The lawyer smoked the expensive cigars over the course of a month and then contacted his insurance company. According to him, the cigars had ‘been lost in a series of small fires.’ Of course, his insurer refused to pay him, assuming (correctly) that he had just smoked the cigars. The lawyer brought the insurance company to court where he used legalese to convince the judge that the insurer had never stated a condition for an ‘unacceptable’ fire.  He was awarded $15,000 in order to replace his property.

    He must not have paid very close attention in law school, because the insurance company brought him back to court, where he was found guilty of over 20 instances of arson and thus insurance fraud. He was sentenced to 2 years in prison and paid $24,000 in insurance fraud fines.

    It’s astounding to me that despite the incredible security that insurance policies offer people (give that a moment of thought; what would you do in a catastrophe if uninsured?), there are some who are convinced that they have the right to manipulate the system to make money.

    There seems to be a pervasive sentiment that insurance companies are the ‘bad guys,’ looking to pay as little as possible for the tragedies of their clients. While I can’t speak for all insurance agencies, as far as ours is concerned, the insurer is batting for the same team as the insured. Our job is to protect  our clients, not rob them.

    Yes, Insurance is a business; and our philosophy is that the most successful businesses are the ones that work for their customers.

    Read another staff member's blog on direct writers vs. independent agents here

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    Corbin Foucart

    Tags: insurance, Charlotte North Carolina, Cigar, Lawyer, financial services

    How is the Cost of My Car Insurance Policy Determined?

    Posted by Gordon Atlantic Insurance

    Fri, Jan 20, 2017 @ 12:10 PM

    Have you ever wondered how your car insurance rates are calculated?  What affects that number on the bottom of the page? Here’s the answer:

    1. Understand how your auto insurance policy and rates are determined with Andrew Gordon IncWhat type of car you drive- some cars cost more to insure than others do. Your rate can be affected by how likely your car is to be stolen, its age, the cost of any future repairs, and how safe it is (or isn’t).
    2. Your driving record- your driving record largely determines how well you drive (at least in the eyes of your insurance provider). The fewer incidents you’ve been involved in, the lower your premium will be. If you have a slew of accidents and driving violations on your road resume, expect to pay significantly more than if you have a clean record.
    3. Where you live- Outside of your own driving ability, some areas are simply safer to drive in than others, both in terms of crime and accident statistics. Your rate can vary depending upon where you garage your car as well.
    4. The number of miles you drive each year- Statistics says by the law of large numbers that the probability of an accident increases with the amount that you drive. Therefore expect a higher rate if you put hefty mileage onto your vehicle each year.
    5. Your age- Young drivers (especially males) will have to pay augmented rates. Generally insurance providers divide the “steps” into drivers who have been on the road for under three years, three to six years, and more than six years.
    6. Your credit- for many insurance providers, your credit score can have an impact on your insurance rates.
    7. Coverage- like any other insurance rate, the price is partially determined by the coverage you already have. Make sure you shop around and get the best possible price for the coverage you need.

    The good news: There are a variety of auto insurance discounts available to insurance customers. Learn more about our auto insurance policies and watch whiteboard videos for more information. Here’s one video made by our agency that explains the various discounts you may be eligible for:

    Learn more about your auto insurance options here, and read a staff member's blog on understanding your auto insurance policy here.


    Corbin Foucart

    Tags: auto, insurance, cheap, Automobile, Vehicle, driving, car, quote, financial services

    Insurance in the Courtroom: Are You Covered?

    Posted by Donna Bellavance

    Mon, Oct 24, 2011 @ 04:53 PM

    Many people feel that we now live in a litigious society.  We hear about lawsuits being filed for injuries resulting from seemingly minor auto accidents or slip and fall injuries at residences.  With this trend in filing lawsuits, we strongly recommend that our insureds consider purchasing an excess liability, or umbrella, policy to protect their assets.  These would include any homes or properties owned, vehicles, boats, retirement income, etc.  Coverage can be purchased starting at $1M in coverage for a relatively low premium and can often be endorsed onto the existing homeowner policy.

    Nowadays people should protect their safety and cover themselves with excess home life commercial and auto from Gordon Insurance in case of lawsuitOne might think that only well-established people would need this coverage but we have learned that even the young who may not yet own any property or have older vehicles of insignificant value should also consider this coverage.  In the event of an at fault auto accident which may have caused injuries to others, a law suit may be filed against the young operator with no assets and a judgment may be assessed to garnish future wages for many years.  A $1M umbrella would certainly help in such a situation as not only would the settlement amount be paid for under the umbrella but also the defense costs are built into this coverage.

    It is extremely important that one protects the assets that could be made available to someone who has been successful in obtaining a judgment against you.

    Another factor to consider in protecting yourself is not only to purchase this excess liability coverage, but also to try to eliminate the potential risks for injury.  When driving an auto, avoid alcohol, cell phone usage, and other distractions while observing the rules of the road and maintaining safe speed limits.  At residences, paths should be kept clear of ice and snow in the winter and smoke & carbon monoxide detectors  should be maintained in proper working order.  Power tools, weapons, and alcohol should be kept under lock and key and toys and gardening tools should not be left where visitors could trip or fall.  If there is a swimming pool or pets, verify that you are complying with town ordinance requirements for the pool’s fencing and gates as well as pet restraints. 


    It is not our intent to alarm anyone but rather to educate people by making them aware of their ability to keep themselves and their assets protected.

    For additional information on other insurance coverages or to watch some of our informative whiteboard videos, please visit our website at Learn about your home insurance options here.

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    Donna Bellevance

    Tags: insurance, Traffic collision, vehicle insurance, auto insurance terms, comprehensive car insurance, home owners insurance quotes, homeowner policy, homeowners insurance policy, Liability insurance, Trauma (medicine), financial services, lawsuit, property damage

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