Causing an accident is certainly stressful, but knowing that you hurt a friend or family member who was riding along with you can be even more so. Our team at Partners Insurance & Financial Services Inc. knows the guilt and anxiety that can come with hurting a loved one, and we’re here to hopefully give some comfort. If you’re wondering whether your insurance company will assist in medical care reimbursement for your passengers following an accident you are deemed at fault for, the short answer is yes. Your insurance company will take care of them!
But, there are some limitations and things to know about how much to expect from your Huntington, WV or other West Virginia policy. Let’s take a look at what you’ll need to know:
Understanding Passenger Expenses Following an At-Fault Accident
West Virginia’s laws on insurance and liability make ours what is called a modified comparative fault state. This means that accidents may not be considered completely your fault. When an officer comes to the scene of an accident, they’ll write a report and consider what degree of fault each party is. Sometimes, a person may be 100% at fault for an accident, but in others, it may be 80% with the other party considered 20% at fault. Whatever percentage of fault you are found at fault of, that is the amount you are responsible for.
So, following an accident for which you are found at fault, your insurance company will pay out bodily injury liability according to your comparative responsibility and up to your policy’s limits. If your insurance policy offers Medical Payments Coverage, or "MedPay", they will use that to assist in paying for medical expenses incurred by you and your passengers regardless of fault.
Learn More About West Virginia Auto Insurance
For more information about auto insurance and protecting your household, give our team at Partners Insurance & Financial Services Inc. a call. We’re proud to serve Huntington, WV and other communities throughout the state with quality insurance.
Most people can benefit from having life insurance. It will allow your dependents to continue with the life they have while you are with them. At Partners Insurance & Financial Services Inc. in Huntington, WV, we provide personalized customer service to all of our clients. We are able to offer more choices and better prices because we are an independent insurance agency.
Life Insurance FAQs
When is the best time to buy life insurance?
Before you need it is an obvious answer. Life insurance is less expensive when you are young, but if you want term insurance, you may need to buy additional policies every few years to make sure you are covering the period of your greatest need. With whole life, buying it when you are young makes sense.
Should you have life insurance for your children?
The only type of insurance you can buy for a child is whole life. This guarantees that your child will be able to buy life insurance later on and has cash value. If you can afford it, it is a way to get them started, but it is not necessary.
Do you need life insurance after you retire?
Your children should be grown by this point, but if you want to leave something to grandchildren or if you still have a dependent, then yes you do. Many people find that they don’t need as much and that is something to discuss with your insurance agent.
Can you get life insurance without a physical exam?
You should be able to get life insurance without a physical exam. You will, however, have limited choices, and it will be more expensive than if you get a physical exam. Even without a physical exam, you will likely have to answer questions about your health.
We Can Help!
Contact Partners Insurance & Financial Services Inc. in Huntington, WV for your life insurance needs. Give our office a call today.
Workers’ compensation insurance from Partners Insurance & Financial Services Inc. is an important form of insurance for businesses and their employees. This insurance helps to protect both the employer and the employee here in the Huntington, WV area in the event of a workplace-related injury or illness.
Benefits of Workers’ Compensation
For employers, workers’ compensation coverage helps to provide financial protection against costly legal settlements or awards that could arise from a workplace injury or illness. In some cases, the coverage will even cover medical expenses for injured employees. Plus, it can help employers to avoid potential lawsuits by providing a safe and secure working environment for all employees.
For employees, workers’ compensation coverage provides them with peace of mind knowing that they will be taken care of if they become injured due to their job duties. This type of insurance ensures that any medical bills related to their injuries will be taken care of by the business and that they will receive a portion of their normal wages while they are off recovering from their injury.
Overall, workers’ comp insurance offers an essential level of protection for both business owners and their staff members in the event of an unexpected accident or illness in the workplace. By having this type of insurance in place, businesses can create a safer working environment and ensure that both employers and employees are taken care of in case something goes wrong on the job.
Reach Out To Us
For more information, give us at Partners Insurance & Financial Services Inc. a call today. We are proud to serve the Huntington, WV area and would be happy to help you find a policy that meets not only your needs but your budget as well.
For those that live in the Huntington, WV area, being a home and property owner is generally a good idea. When you are a property owner, you will have a good long-term investment and a consistent place to live. When you are evaluating your housing needs and options, you also need to get insurance for it.
There are a lot of reasons why you will need to get home coverage when you are here:
Coverage Protects Dwelling
A reason that all people in this state need to have home insurance is that it can protect a dwelling. For those that are looking to buy a home, finding a way to protect their investment will be a top priority. If you get a home insurance plan, you will have support to make repairs or replace parts of the property. This could help provide significant financial protection.
Home Insurance is Required for Many
For a lot of people in West Virginia, having home insurance is a requirement. When you choose to buy a home, you may take out a mortgage. If you do, the lender will require you to carry insurance until you have paid off the balance. They may also create escrows that can help ensure there is no coverage lapse. Carrying this insurance will keep you in good standing.
Give Us A Call
If you would like to get a home insurance plan and you live in the Huntington, WV area, it would be smart to call our professionals with Partners Insurance & Financial Services Inc. There are a lot of great reasons to get home insurance, and our team with Partners Insurance & Financial Services Inc. can help you build a plan that will maximize your protection. This can help ensure you remain appropriately covered at all times.
Wearing a seatbelt is one of the most important safety measures you can take when driving here in the Huntington, WV area and everywhere you go. Not wearing one can lead to serious injury or even death in the event of a crash. Wearing a seatbelt is also required by law in most states and strongly recommended by us at Partners Insurance & Financial Services Inc., so it’s important to make sure you and your passengers always buckle up before hitting the road.
Why you should always wear a seatbelt
There are several reasons why you should always wear a seatbelt when driving. One important reason is that wearing a seatbelt significantly reduces your risk of serious injury or death if you’re involved in an accident.
Studies have shown that seatbelts reduce the risk of fatal injury by 45% for front-seat passenger car occupants and by 60% for light truck occupants. In other words, the use of seatbelts can drastically reduce your chances of being severely injured or killed in an accident.
Another reason to wear a seatbelt is that it keeps you and your passengers secure in case of sudden stops, swerves, or sharp turns while driving. Without a seatbelt, you run the risk of being thrown from the vehicle and suffering catastrophic injuries when this happens. Seatbelts keep everyone inside the car and reduce potential damage to people and property in case of an accident or sudden stop.
Finally, always wearing your seatbelt helps to protect others on the road as well as yourself. When you don’t buckle up, not only are you putting yourself at risk but also any passengers who might be riding with you as well as drivers around you on the road.
Need Auto Insurance? Reach Out To Us!
For more safety tips, call us at Partners Insurance & Financial Services Inc. today. We proudly serve the Huntington, WV area.
Whole life and term life insurance are two of the most common types of life insurance policies available at Partners Insurance & Financial Services Inc. for Huntington, WV families. Whole life insurance offers a permanent life-long financial safety net for you and your family. It provides a guaranteed death benefit as well as a cash value component that can grow over time. This makes whole life insurance an attractive option if you are looking for long-term financial stability.
Term life, on the other hand, is designed to provide coverage for a predetermined “term” – usually 10, 20, or even 30 years. The premiums are typically much lower than those of whole life policies, making them more affordable for many people. Unfortunately, once the policy expires, it is no longer valid, and there is no cash value component to the policy.
Overall, both whole life and term life insurance have their own unique features that may appeal to different individuals and families depending on their needs and budget constraints. If you’re looking for an affordable way to provide financial security for your loved ones in the event of your death, term life could be the right choice for you. On the other hand, if you want to build up some cash value over time while also providing your heirs with a guaranteed death benefit, then whole life might be better suited to your needs.
Reach Out To Us
If you have any additional questions or want to find a policy that is right for you and your family, give us at Partners Insurance & Financial Services Inc. a call today. We probably serve the Huntington, WV area.
Making sure your employees stay happy and productive is ultimately going to be based on their mental health. In the past, an employee’s mental health was considered to be no concern of an employer, but now that we better understand how mental health affects all aspects of our lives, it is crucial for employers to take an active role in improving the mental health of their workers. At Partners Insurance & Financial Services Inc, we are here to help you better understand how you can help your employees in Huntington, WV and the surrounding areas.
Encourage A Healthy Communication Culture
A lot of the stress that employees experience at work is caused by the culture of the workplace. When there is not a healthy culture of communication at work, it can make it difficult for employees to be felt heard. It can also contribute to toxic work environment behaviors being perpetuated because people will not feel at liberty to speak out concerning these types of problems. All of these can ultimately contribute to poor mental health among your employees.
Consider Mental Health PTO Days
Paid time off should be used at the discretion of each employee. Employees should not feel that they owe a detailed explanation of why they need time off. Sometimes a person may need time off for reasons that they do not wish to share. When the person feels that they are not at liberty to do this, it can take a toll on their mental health.
Keep A Light Hearted Environment
You can keep a productive workplace while also maintaining a light-hearted environment. Employees should not feel that their worth as individuals is based on their productivity or the success of the company. Help employees remember that this is just a job and that our jobs do not ultimately define who we are.
Reach Out To Us
If you would like to learn more about commercial insurance, please contact us at Partners Insurance & Financial Services Inc, serving Huntington, WV and the surrounding areas.
With the thought of a storm looming in the Huntington, WV area, it can be difficult to know what steps to take in order to prepare your home for bad weather.
Here are a few tips from us at Partners Insurance & Financial Services Inc. to help you stay safe and sound.
Preparing Your Home For A Storm
1. Check your roof and gutters for any potential damage or clogged debris that could cause water damage during a storm. Make sure all gutter systems are properly secured and clear of any blockages.
2. Trim branches away from your house and put away outdoor furniture, such as chairs, tables, and barbecues. This will reduce the risk of them being thrown around by powerful winds or getting damaged by hail or falling branches.
3. Bring in any outdoor decorations, toys, and other loose items to prevent them from flying away due to strong winds. Similarly, close windows and shutters if possible in order to protect against flying debris.
4. Prepare an emergency kit with essentials like food, water, medications, flashlights, batteries and anything else you may need in case of an emergency situation.
5. Keep plenty of sandbags around your home in case you need to divert floodwater away from certain areas or protect the foundation from potential flooding issues later on down the line.
Also, Keep Your Home Insurance Policy Updated
A little preparation can go a long way when it comes to protecting against storms; taking these proactive steps can help save you time and money should one occur!
For more tips to keep your home and family safe, call us at Partners Insurance & Financial Services Inc. today! We can help you get the best home insurance policy for your needs. We proudly serve the Huntington, WV area.
Technology makes it easier than ever for auto insurance companies to rate drivers and rate individuals who live in the same home. The ratings are then used to help determine how much you should pay in auto insurance premiums. One of the tools that are becoming more and more common is a tool called household ratings.
At Partners Insurance & Financial Services Inc., serving the greater Huntington, WV area, we have had clients ask what household ratings are and why insurance companies use them. Keep reading to find the answer to this question.
What Does It Mean If an Auto Insurer Utilizes Household Ratings?
When an auto insurer uses a household rating system, they assess every driver over the age of 18 who lives at one address. They determine how many accidents or tickets each of those drivers has had recently, and then they base your policy premiums on this. The logic behind this is that you and those who live with you may share vehicles.
What If You Don’t Agree With the Household Rating System?
If you have a driver at your residence who has a bad driving record, they can cause the insurance company to provide you with a rating that causes your rates to skyrocket. However, most insurance companies will allow you to exclude the bad driver from your policy, meaning that that driver will not be covered if they drive your car. This helps to ensure your auto insurance rate is set based on your driving record, not your household driving record.
Contact Us Today
Technology has changed the way that auto insurance companies decide how much someone will pay for auto insurance. However, this does not mean that you have to pay more than you should for auto insurance. If you are looking for fair and reasonably priced auto insurance in the greater Huntington, WV area, the agents at Partners Insurance & Financial Services Inc. can help you find a new auto insurance policy. Call us now to get started.
Some jobs are just by nature dangerous. Firefighters and police officers are continuously in dangerous situations to protect others. Logging, construction, and fishing are among the most dangerous jobs there are. People with these jobs need life insurance most of all. Consult with Partners Insurance & Financial Services Inc. serving Huntington, WV for all your insurance needs, including life insurance policies for jobs that put you at risk.
Life Insurance For Dangerous Jobs
Be Prepared For A Lot Of Questions
When you apply for life insurance, the insurer will want to know how much of a risk you are. This affects which policies you qualify for and what your rates will be. They will want to know just how dangerous your job is. For example, a parking enforcement officer may not be in as much danger as a member of a SWAT team. You may have to describe your day, including what safety equipment and procedures you use. They will want to know if you work with chemicals or machinery. If you drive or fly on the job, they will want to know about your certifications as well as the frequency and miles traveled.
The Problems With Group Coverage From Your Employer
It’s common for companies that hire people for risky jobs to offer a group plan for their employees, but it may not be all you need. Depending on how many people you want to be covered in the event of your demise, the coverage may not go far enough. Plus, because it’s tied to your job, it won’t cover you if you switch jobs. Either individual term life insurance or a permanent life insurance policy would be the better choice.
Contact Us Today
Your job may be dangerous, but it is very necessary. You deserve life insurance to take care of your family in the event of the worst. Partners Insurance & Financial Services Inc. in Huntington, WV will help you find what you need.