It’s back-to-school time again. We thought it might be a good time to review some of those circumstances that are unique to the school year, especially as they relate to your insurance coverage and liability.
The bus stop is in front of my home
Having the bus stop is in front of your home can seem convenient. However, children gathering for the bus in front of your home every day could very well result in accidents, however minor, at some point throughout the school year. The issue will become whether your homeowners insurance policy carries enough liability coverage. So you will want to have a conversation with your insurance agent before the start of the school year to be sure that you have the right coverage in the right amount to meet your unique needs.
My child’s belongings were stolen from school
You will want to determine the total value of all items stolen so that you can make the appropriate reports to the school and perhaps to the local police agency as well as your insurance agent. If you have homeowners or renters insurance, then it will likely cover the loss of the stolen items up to the limits of the policy, assuming that the total value of stolen items exceeds your policy’s deductible level. If your policy includes personal property replacement coverage, then you can replace the stolen items with new ones of the same kind and quality. If jewelry was stolen, the coverage limit on your policy will vary. Your insurance agent should be able to answer any questions you have about your policy’s coverage, limitations, exclusions, etc.
I’m the carpool parent
There are several auto insurance issues that you will want to discuss with your agent to be sure that you have the coverage you need can protect you and your passengers up to the limits of your policy.
- If you are getting paid to be the carpool person, you need to change the car to “business use” on your policy in order to assure that any injuries are covered.
- If someone were to be hurt in an accident, medical coverage would be needed.
- If you were to be found at-fault in an accident and someone was injured, optional bodily injury coverage would help pay damages for those injuries.
- If you were involved in an accident and it was not your fault, having uninsured motorist coverage or underinsured motorist coverage can cover this type of accident.
The Latimer Insurance Agency is a full-service insurance agency in Bethesda, Maryland (Montgomery County) offering business/commercial insurance, auto insurance for your vehicle, home insurance for homeowners, renters and condo dwellers, and life insurance to all of Maryland (MD), Virginia (VA) Pennsylvania (PA), Delaware (DE), New York (NY), West Virginia (WV), North Carolina (NC) and Washington DC since 1919. Our experienced insurance agents at our office Bethesda, Maryland (Montgomery County) welcome your inquiries and are glad to discuss your coverage needs at any time. The scope of your insurance coverage and options depend entirely upon the policy and the insurance company providing it. This website is not intended to advise, offer or bind coverage. You should always discuss your insurance issues with professionals such as a licensed and qualified insurance agent before making any decisions or choosing a course of action.