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Gill Insurance Advisors Blog

If my friend drives my car and gets in an accident, will me auto insurance cover the damages?

When we talk with our Plainfield, IN and other Indiana area clients about auto insurance, we mostly talk about the protection and benefits it provides to the clients themselves in the event they are in an accident. However, something that does happen, but maybe we don’t talk enough about, is the protection a good auto insurance policy will provide beyond just you as a driver.

Accidents By Someone Driving Your Vehicle: Understanding Auto Insurance

Let’s say you let your friend borrow your vehicle while on vacation and they get into an accident. You might be wondering if your auto insurance will step in. The short answer is yes! So long as you have the right coverage policy in place, your auto insurance will pay out if someone other than yourself is driving a vehicle.

Here’s what you need to know about the type of auto insurance policies that will cover an accident caused by someone other than yourself driving your vehicle:

  • Permissive use coverage. An insurance policy will cover other allowed drivers under what is called "permissive use". Indiana is pretty flexible here and ensures that so long as the person driving had consent, including implied consent, to drive the vehicle, the vehicle’s owner’s policy will apply. The only exception here is for restrictions such as unlisted drivers, which is a driver who would want to regularly use the vehicle, such as a son living in the household. 
  • Coverage limits. How much your insurer will pay out in the event a driver you are allowed to use your vehicle is in an accident will still be limited by your coverage limits. You, not the driver, will be responsible for paying the rest.

Learn More With Our Team at Gill Insurance Agency

Not sure what your auto insurance policy entails? Give our team at Gill Insurance Agency a call! We’re proud to serve clients in the Plainfield, IN and surrounding Indiana communities. 

Factors to Consider When Determining How Much Life Insurance You May Need

One of the questions that we at Gill Insurance Agency, serving the greater Plainfield, IN area, are often asked is how much life insurance a person needs. There are many factors to consider when determining how much life insurance to get.

Some of those factors include:

Financial Obligations

Consider your outstanding debts, such as mortgages, loans, or credit card balances. Life insurance helps cover these financial obligations and prevents your loved ones from being burdened with debt.

Income Replacement

Calculate the amount of income your family needs to maintain their standard of living if you are no longer around. Multiply your annual income by the number of years you would like to provide financial support to your dependents.

Education Expenses

If you have children, consider the cost of their education. Determine the funds necessary to cover their tuition fees, books, and other related expenses. Many people ensure their children can get through at least high school, but some people also plan for college.

Future Financial Goals

Think about your family’s long-term financial goals, such as retirement savings, starting a business, or paying for children’s weddings. Life insurance can help ensure that these plans can still be pursued even without your income.

Funeral and Final Expenses

The final thing to consider is the cost of your final expenses. Account for the costs associated with your funeral, burial, or cremation and any outstanding medical bills or legal fees. This ensures your family is not burdened with paying for those expenses.

We Can Help!

If you are looking to obtain life insurance in the greater Plainfield, IN area, Gill Insurance Agency can help you determine how much insurance you need and help you find the right policy. Call us today to learn more.

Commercial Insurance Helps You Recover from Natural Disasters

As part of a comprehensive plan to mitigate risks, you should make sure your commercial insurance covers natural disasters. At Gill Insurance Agency in Plainfield, IN, we have licensed agents ready to examine your current policy for gaps. In the event of a tornado, flood, snowstorm, hurricane, or wildfire, you’ll be happy you took this essential step to protect your business, employees, and inventory.

What’s Included in Commercial Insurance?

Do you operate a new store or run an anchor business in your community? In both cases, there are specific coverage options essential to your survival.

 Commercial insurance typically covers losses due to unforeseen natural disasters. Each policy is unique, but you’ll want to consider including property damage, business interruption, workers’ compensation, liability, and any other protection that will give you confidence and comfort in the midst of the wildest storm.

If you already work in an industry vulnerable to storm damage, such as agribusinesses and construction, you can incorporate coverage for your livestock and equipment. The agents at Gill Insurance Agency will assist you in inventorying assets requiring commercial insurance coverage. 

Why Your Business Needs Protection Against Natural Disasters

Whether you sell tractors or run a catering company, you need a policy written with your industry, equipment, and assets in mind. Customized commercial insurance is the answer to your continued operations following a natural disaster.

Tornadoes aren’t the only risk to Indiana business properties. Effective commercial insurance gives you a lifeboat in the event of a flood, earthquake (it can happen!), or lightning storm.

What other risks does your business need to be sheltered against?

Reach Out To Us

Our team can give you a free quote and valuable advice on what to include in your Plainfield, IN commercial insurance policy. Contact Gill Insurance Agency today to schedule an appointment.

Planning on Remodeling? First Check Your Homeowners Insurance Policy

If you’re planning on updating your home, it is essential to make sure you have adequate homeowners insurance in place before the work crew shows up. So, before construction begins and the dust flies, let the insurance professionals at Gill Insurance Agency can help you determine the coverage you will need while renovating a property in the greater Plainfield, IN area.

Important Insurance Considerations for Home Renovations

Depending upon the type of renovation, you may need to adjust these aspects of your homeowner’s insurance coverage –

  • Update the overall policy limits should your planned renovation include upgraded appliances or an addition. This ensures that you will have sufficient insurance coverage to protect the new and improved version of the property.  
  • Update the limits of the homeowner’s policy regarding medical expenses coverage. This is especially important if a friend/family member does the renovation – because you may be liable for medical expenses for those injured on your property who are not family members or professionals who carry their own professional insurance.

Increasing the medical expense limit on your homeowner’s insurance policy will cover the medical bills for any injuries that may happen – on the insured property – to a person who is not a family member or resident of the home.  

  • Make sure your personal property insurance coverage will suffice. Remember, during construction, things happen – something breaks or appears to have disappeared without your knowledge.  Make sure you maintain sufficient  personal property insurance for essential property that may include –
    •  Furniture
    • Appliances
    • Electronics
    • Clothing.

Reach Out To Us!

Still have questions or concerns about the homeowner’s coverage when planning a renovation project in and around Plainfield, IN? Give our insurance professionals at Gill Insurance Agency a call today.

What Are Common Auto Insurance Myths

We all know that getting a proper auto insurance policy is one of the best and most effective ways to protect yourself on the road. However, because there are so many misconceptions regarding auto insurance, selecting the right insurance policy can be difficult. Gill Insurance Agency, serving clients in Plainfield, IN, has compiled a list of myths to dispel in order to assist you in selecting an insurance policy.

Auto Insurance Myths

Insurance for red cars is more expensive.

The truth is that there is no correlation between the color of a vehicle and the cost of auto insurance. Insurance companies are unconcerned about the color of your vehicle, and there are other criteria that influence the cost of auto insurance, such as the age of your vehicle, its condition, your credit score, location, and others.

The more expensive the vehicle, the higher the insurance premium.

The purchase price of your vehicle has no bearing on the cost of your insurance. Many mid-priced cars cost more to insure than expensive vehicles. 

Smaller cars are less expensive to insure.

There is also no correlation between car size and car insurance premiums. 

Getting a traffic ticket automatically raises your auto insurance rates.

If your traffic offense is small and has only occurred once, your insurance rate will stay the same.

Reach Out To Us Today

Are you looking for an auto insurance policy in Plainfield, IN or any other surrounding area, feel free to contact Gill Insurance Agency. We specialize in multiple types of insurance, including standard auto insurance. Give us a call if you want to know more about insurance options – we are here to help!

Whole or Term Life Insurance for Young Families?

Choosing between whole life insurance and term life insurance in Plainfield, IN can be tricky for young families. There are many aspects to consider before making the right choice for your particular situation. Here at Gill Insurance Agency, we understand this challenge and strive to help our clients make the best decision for them. To support you in making an informed decision, here’s a brief summary of what whole and term life insurance entails.

What is Whole Life Insurance?

When it comes to life insurance, whole life is permanent coverage that runs your entire lifespan provided you continue paying premiums. An aspect of this policy is the cash value component, meaning a portion of payments goes into an account that grows with time. You can access this money while still alive although this often results in higher premiums or a decreased death benefit.

What is Term Life Insurance?

Term life insurance is temporary life insurance that provides coverage for a set period, typically 10-30 years. If you die during the term of your policy, your beneficiaries will receive a death benefit. If you don’t die during the term, the policy will expire, and you will not receive any death benefit. Term life insurance generally has lower premiums than whole life insurance but does not have a cash value component. 

Which One is Right for Me?

The answer to this question depends on many factors, including age, health, financial situation, etc. If you’re healthy and looking for affordable coverage, term life insurance may be the best option. However, whole-life insurance may be better if you’re older or have health concerns. 

Contact Gill Insurance Agency today to discuss your insurance options in Plainfield, IN!

The importance of carrying workers compensation insurance

Workers’ compensation insurance is an essential part of any business, especially for those here in the Plainfield, IN area. It provides protection for businesses, their employees, and their customers in the event of a workplace injury or illness. It covers medical costs, lost wages, and other expenses related to an employee’s recovery. 

Benefits of Workers’ Compensation

Having workers’ compensation insurance from us at Gill Insurance Agency ensures that those injured or sickened while on the job have access to the care they need without the added financial burden placed on them and their families. It also protects employers from liability in legal cases relating to an employee’s injury and allows them to focus on running their business instead of dealing with costly litigation. 

By carrying workers’ compensation insurance, businesses are able to provide peace of mind for both themselves and their employees. Not only does it give employees assurance that if something happens on the job, they won’t be held financially responsible, but it also helps employers maintain a safe working environment that is free from potential risks associated with workplace accidents or illnesses. In a tight labor market, this can be a competitive edge for an employer.

Overall, having workers’ compensation insurance is an important step for all businesses in order to prevent unexpected costs and legal issues while providing a safe work environment for employees.

Reach Out To Us

If you have any additional questions, or you want to find a policy that meets your needs and your budget, give us at Gill Insurance Agency a call today. We proudly serve the Plainfield, IN area and would love to help you protect your employees, their families, and your business with a workers’ compensation policy. 

What is a Home Inventory Sheet?

A home inventory sheet is an invaluable tool to help you in the event that you have to make a claim. Depending on the disaster to befall you, it may be next to impossible to tally up the damage after the fact.

Homeowners insurance is not mandated by law for residents living in Plainfield IN, but it is usually a requirement for obtaining and maintaining a loan with a lender. Gill Insurance Agency is here to assist.

Why You Need a Home Inventory Sheet?

Though a daunting task, the objective of your home inventory sheet is to collect information regarding everything you own and to store it in one place.

It is important also to give a copy to your Gill Insurance Agency representative. 

The process may go slowly but dedicate time consistently to collecting the data to complete this important document. It’s vital to categorize possessions according to their type, such as clothing or electronics. 

If you have collectibles or items that are particularly valuable, you may want to get an endorsement to cover this class of items specifically. These can also include antiques or vintage properties that may be especially difficult to replace. 

Be sure to write down serial numbers and include receipts when possible. It is advised that you also take a photo of paper receipts, as these can degrade over time, becoming increasingly difficult to read. Along with the purchase price, including the current market value. Be sure to take videos of more costly goods, as these can also record their condition. 

Gill Insurance Agency is at Your Service

We specialize in protecting our clients in all areas of their lives with insurance products and services designed to meet their needs. We invite you to reach out to us to speak about your situation in more detail, and we serve the greater Plainfield, IN region. 

Winter Driving Safety Tips

Winter weather can be unpredictable and dangerous, especially when you’re on the roads. It’s important to be prepared and know how to navigate the Plainfield, IN icy roads safely.

Here are some tips to help keep you safe while driving this winter season:

Prepare Your Vehicle

Before heading out, check your vehicle’s essential systems, including battery power, tires, brakes, wiper blades, and antifreeze levels. Be sure that all of your lights are functioning properly and ensure that your windshield washer fluid is topped off with a solution to resist freezing temperatures. Replace worn wipers or tires before winter begins.

Know Your Route

Planning can save you time and headaches when navigating icy roads during winter. Familiarize yourself with routes with fewer hills and sharp curves to avoid getting stuck or sliding on ice. Check traffic reports to make sure there are no accidents or hazardous conditions on your intended route. Take alternate routes with better traction, such as highways, instead of back roads when possible.

If you travel on many back roads, consider adding roadside assistance to your car insurance policy if you get stuck. Contact a Gill Insurance Agency representative to learn more about add-on options for your coverage.

Drive Safely

Be mindful of speed limits, particularly on bridges and overpasses that freeze quickly due to their elevated surfaces being exposed to cold air from above and below. Take extra caution near intersections as they have more black ice than other areas of the roadways. Put extra distance between you and other drivers if you unexpectedly lose control of your vehicle because of slippery conditions.

Get Auto Insurance Today

Navigating icy roads is never easy, but these tips will help you stay safe while driving in Plainfield, IN this winter season! If you’re looking for reliable auto insurance coverage this winter season, contact Gill Insurance Agency today! We offer customized policies tailored to fit your needs–both on the road and off!

Homeowners Insurance Protects Your Most Valuable Asset

A home is the most valuable thing most of us will ever own. Make sure it is protected with homeowners’ insurance. The Gill Insurance Agency, serving the Plainfield, IN area, can help.

The four main components of a homeowners’ insurance policy:

This policy covers the dwelling or home, other structures, such as garages and storage sheds, personal property, and liability coverage. In the event of a total loss, insurance will be the primary source for rebuilding your home. It also provides liability coverage in the event of legal actions for damage or injuries to another person on their property.

Homeowners insurance will protect the equity you have in your property. Without it, you could face not only losing your home but any increase in value that has accrued.

One of the most important parts of homeowners insurance is the level of coverage

Don’t pay for more coverage than you need. The most common policy is the HO-2. It is a broad policy that protects against a wide range of perils as outlined in the policy.

There are some things homeowners insurance does not cover

Insect or termite damage, rodent or bird damage, mold, rot, rust, and general wear and tear are not covered. Also, damage from smog or smoke from agricultural or industrial sites is not covered. A home that has been poorly constructed or has a hidden defect also will not be covered.

In addition, if you are carrying a mortgage on the property, your lender will require that you have homeowners insurance. They want their interests protected in the event of a total loss of property.

Contact Us Today

Even if you own your property free and clear, homeowners insurance is still a sound financial decision to make. In the event of a lawsuit, and you own your home outright, you face the risk of losing it.

Don’t take risks with your most valuable asset. Contact the Gill Insurance Agency in Plainfield, IN today for a quote. You will be glad you did.

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