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What's Wrong With A Salvage Title

A salvage title car or Truck is a vehicle that’s been in accident, weather related incident or stolen and the repair cost is almost as much or more than the car is worth.  Most states have a threshold on the amount needed to declare the car is a total loss. In Tennessee, that percentage is around 70% of the value of the vehicle.

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What Does My Uninsured Motorist Cover?

Uninsured motorist helps protect you in the event you are hit by a driver who is at fault and is either uninsured or underinsured. It can cover injury related medical expenses and costs associated with repairing your car. In Tennessee you can opt for Uninsured Motorist Property Damage (UMPD) which can cover your auto.

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What Does Comprehensive Cover On My Auto Insurance Policy?

Comprehensive coverage (sometimes listed as "other than collision), covers most incidents that are not covered under your cars collision coverage. Comprehensive covers occurances such as: fire, theft, vandalism, glass breakage, flood, storm damage, deer strikes, etc. Comprehensive coverage will not pay for collision incidents to your vehicle such as hitting another car or backing into a pole... Read More

Tis the Season for Theft - 10 Tips to Remember at Christmas Time

The agents at Royce Williams Agency hope to give families advice on how to keep possessions safe during the holiday season. Holiday auto theft increases from year to year and is the most popular form of theft. But, as always, be mindful of the various forms of theft that are common at this time.

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Usage-based Auto Insurance is on the Rise

What if your auto insurance rates were personalized to your specific driving habits?  Do you think your auto rates would decrease?  Insurance companies are willing to put you to the test.

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Consider Long Term Care for your Family

Since November is long-term care awareness month, it is appropriate to express the importance of long-term care insurance and the seriousness of acting now.  Though 51% of Americans say they need long-term care insurance, only 14% own it. This is a common dilemma for American households because most people do not know when to buy.

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Increase In Age Could Come with a Decrease In your Car Insurance Premium

Retirement opens a door for many to travel the world, spend more time with family and friends, or to simply take in ones surroundings and enjoy the simplicity of life. Because of the nature of car insurance, what most people don’t realize is that a change in lifestyle can alter the “life” of your car insurance.

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5 Types of Auto Insurance Fraud and How to Avoid Getting Scammed

Don’t think you could be a victim of auto Insurance fraud?  Think again.  Insurance fraud happens every day.  As you will see, you may not even be aware of the fraud until after the fact.  Here is a list of five most common types of auto insurance fraud and some ways to recognize and prevent them from happening to you.

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September is Life Insurance Awareness Month

Life insurance companies and their representatives observe September by providing information and activities regarding the role of life insurance as a part of a complete financial plan.  According to the LIFE Foundation, 85 percent of Americans say most people need life insurance, but only 62 percent have coverage and 33 percent admit they don’t have en

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When Should I Drop Collision Coverage on My Car?
To answer this question, we first need to provide a little background on exactly what collision insurance coverage is.  Collision coverage is basically a promise to pay a specific dollar amount for your vehicle, minus the deductible, should your vehicle become damaged in an accident.  There is a maximum to the amount of reimbursement based on the official book value of your insured vehicle... Read More

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