Does auto insurance follow the driver or the car in Kansas?

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Anyone driving a vehicle in Kansas must have auto insurance. If you cannot prove financial responsibility in case of an accident, you can face serious civil and even criminal penalties. However, there may be some questions about whether you are covered when driving a particular vehicle. Marla Williams Agency can help answer your questions about who is covered by auto insurance.

Car Insurance Usually Follows the Car In Kansas

If you purchase auto insurance on your vehicle and you lend your vehicle to a friend with a license, that person is probably covered by your insurance. That includes your liability coverage, and it also includes your collision and comprehensive coverage if you have those.

Full Coverage

If you still owe money on your vehicle, your lender probably requires you to have full coverage auto insurance, which includes comprehensive and collision insurance. If you have full coverage, you also have minimum coverage that is higher than what the state requires.

  • Comprehensive coverage protects your vehicle if damage is caused by something other than a collision. If you hit a deer, or a tree falls on your car during a storm, comprehensive coverage is what will cover the damages.
  • Collision coverage repairs the damage to your own vehicle when you hit something. If you accidentally run into a fence or a tree, collision coverage protects you.

Call Today To Discuss Your Coverage

Kansas drivers have a lot of options when it comes to auto insurance. You are required to carry liability and personal injury protection, but there are other important protections you can take advantage of. If you would like to discuss your options, or if you have any questions about Kansas auto insurance, please feel free to call Marla Williams Agency today.

Small Business, Big Risks: Customizing Commercial Insurance

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Running a small business is thrilling, but it comes with unique challenges and risks. As your partner in protection in Kansas, Marla Williams Agency delves into tailoring commercial insurance for small and medium-sized enterprises (SMEs), ensuring your business is safeguarded against the unexpected.

Customizing Commercial Insurance 

Every SME is unique, and so are its risks. Identifying specific vulnerabilities, from property damage to liability, is the initial step in crafting effective commercial insurance. A tailored approach ensures comprehensive coverage.

Unlike larger corporations, SMEs have nuanced insurance needs. A customized insurance plan takes into account the unique aspects of your business, offering protection that aligns with your size and industry. This prevents gaps in coverage and unnecessary expenses.

Commercial insurance for SMEs should include vital components like property insurance, liability coverage, and business interruption insurance, forming a strong foundation against common risks.

Employees are a valuable asset. Adequate coverage for workers’ compensation, health, and benefits is essential. Tailoring insurance to address employee-related risks ensures a secure working environment.

SMEs often operate on tight budgets. A tailored insurance approach allows businesses to maximize coverage within budget constraints, optimizing their insurance investment.

As your SME evolves, so should your insurance coverage. Regular policy reviews are vital to ensuring that your commercial insurance remains aligned with your business’s growth. This safeguards against underinsurance or overpayment.

Schedule A Consultation Today

In the dynamic landscape of small business, a one-size-fits-all insurance approach falls short. Tailoring commercial insurance for SMEs is the key to navigating risks and fostering resilience. Understanding the unique challenges your business faces and customizing coverage empowers your SME with the protection it needs to thrive. If you’re looking for commercial insurance in Kansas, reach out to us at Marla Williams Agency to get started. 

What financial protection comes with a home insurance plan?

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Buying and owning your home in the state of Kansas can prove to be a great idea. If you are going to purchase a property when you are here, you will want to know that you are properly insured. A primary advantage of home insurance is that it offers financial protection and support in various situations. There are different forms of financial protection in particular that can make it a good option. 

Liability Insurance Support

A form of financial protection that comes with home insurance is liability insurance. If you are an owner of a property, you could be named liable for a variety of accidents that happen on or off your property. If you are found liable, the cost of remediation can be significant. However, if you continue to maintain liability insurance through your home insurance plan, you will have some financial protection in these situations.

Asset Coverage

Another type of financial protection you will receive is support and coverage for your assets. When you own a home, you will have a big investment in your dwelling as well as investments in various personal assets. If you continue to maintain home insurance, you will receive financial support to repair or replace them if you incur a loss due to theft, certain forms of damage, or other covered claims.

We Are Here To Help

It will always be a good idea to get home insurance when you choose to buy a property in Kansas. When you are looking for the financial benefits that come with home coverage, it would be very smart to call our team with the Marla Williams Agency. Our insurance team with the Marla Williams Agency will take the necessary steps to ensure you get into the right insurance plan for your situation. This will give you comfort knowing that you have proper insurance in place. 

Do I need to have insurance on my classic car in Kansas before I have it road worthy?

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There are a lot of reasons to own a classic car. Some people buy them because of the sense of nostalgia, reminding them of days gone by. Other people enjoy the community of classic car enthusiasts and the many fun events. Others simply like classic cars because they are beautiful. 

If you own a classic car in Kansas, you are in a special class.

You have something few people do, and you know when you drive your car that people are looking at you with envy. You obviously need insurance if you are driving on a public road in Kansas. But do you need to protect your vehicle before you have restored your vehicle to the point where you can drive it? Marla Williams Agency can answer all your questions and help you decide how much protection you need.

Classic car insurance tends to be less expensive than regular car insurance in Kansas because most people don’t drive their classic cars every day. Even when your vehicle is not on the road, there are other ways that your car could be damaged. Even if you keep your vehicle in a storage space or garage, there could be a fire or other disaster due to weather. Your vehicle could also be the victim of a crime if someone decides to vandalize your vehicle or steal it.

Consult With Us

Because of its value and because it is a motor vehicle, it is unlikely that your home insurance will cover damages if your classic car suffers damages while in storage. Even if you have not finished making your car roadworthy, you still need protection. If you have any questions or want to learn how reasonable classic car insurance can be, please call Marla Williams Agency today.

Is it a good idea to get an umbrella insurance plan?

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Personal liability risk is something that needs to be taken seriously by all people. For those that are in the state of Kansas, there are various ways you can go about managing this risk. One of the most effective ways you can do this is by getting a proper umbrella insurance plan. There are various reasons why getting a new umbrella insurance plan is a good option for those in this state. 

Get Additional Coverage

One of the reasons you should have an umbrella insurance plan is so you can get additional coverage for situations that are covered by your home or auto plans. Most liability risks that people will face are covered by home or auto liability plans. However, those plans do have a coverage limit. When you invest in an umbrella insurance plan, you will have additional support that is on top of the existing policies. 

Protection for More Scenarios

It is also a good idea to have an umbrella insurance plan as it will provide protection for more scenarios. There are a lot of situations and scenarios that are not covered by other insurance plans. If you have a proper umbrella insurance plan, it will offer broader coverage. This will help ensure you are protected against liability risks that you may not already be aware of or be considering. 

Reach Out To Us

Umbrella insurance continues to be a great way for someone in the state of Kansas to offset any personal liability risks. As you are looking for this coverage here, you can begin the search by calling our team with the Marla Williams Agency. When you work with the Marla Williams Agency, you will learn much more about this type of coverage and can get the help necessary to build a new policy. 

What Makes Classic Cars So Appealing

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There’s no doubt about it, classic cars draw the eye and can get the heart beating. Head to a classic car show or cruise night, and you’ll often catch plenty of people taking in the sights and sounds. Many famous celebrities also own extensive classic car collections. Given how valuable these collectible cars are, you can bet they insure those collections with classic car insurance. Get in touch with Marla Williams Agency, serving Kansas, to discuss classic car insurance policies.

Yet why are classic cars so valuable in the first place? Let’s explore some possibilities.

Classic Cars Are Part of History

People simply love history, and many different types of collectible antiques are popular. Museums, likewise, have been set up largely to allow people to peer back in history. Classic cars, meanwhile, are part of automotive history. Often, the most valuable classic cars are those, like the Chevrolet C1 Corvette, that played a pivotal role in shaping automotive history. If you own such a piece of history, it’s wise to protect it with classic car insurance.

Classic Cars Reflect Culture

Check out your favorite classic movies, and there’s a good chance you’ll spot some of your favorite classic cars. The 1974 film “Gone in 60 Seconds,” featured a 40-minute car chase starring a 1971 Ford Mustang nicknamed Eleanor. At the end of the day, many cars are simply cool, and that makes classic autos classic cool.

They Can be Great Investments

No more 1967 Dodge Darts are going to be manufactured. While many tens of thousands of them were once assembled, that stock has steadily declined over the years. Rarity often pushes value up, so classic Dodge Darts and other classic cars have slowly become more valuable with time.

If you have or are looking to invest in a classic car in Kansas, you’ll want to take out classic car insurance. Contact Marla Williams Agency to learn more.

Collision vs. Comprehensive Coverage – What’s the difference?

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As a car owner in Kansas, it is always important to protect your car in case of accidents, theft, vandalism, or natural disasters. Insurance policies can be confusing, and two of the most commonly confused types of coverage are collision and comprehensive coverage. Marla Williams Agency compares collision and comprehensive coverage and explains when each type of coverage is applicable.

Auto Coverage Differences

Collision Coverage

Collision coverage pays for damage to your vehicle caused by an accident or collision with another car or object. If the damage is severe enough, collision coverage may pay for a replacement of your vehicle. Collision coverage is ideal for drivers who want car protection against car accidents. However, it is important to note that collision coverage is not designed to cover all types of damage. Collision coverage would not typically cover damage from theft or vandalism.

Comprehensive Coverage

Conversely, comprehensive coverage pays for damage to your vehicle caused by anything other than a collision. Comprehensive coverage can protect your car against damage from theft, fire, hail, vandalism, and even hitting an animal. Comprehensive coverage can also cover the replacement cost of your vehicle if it is stolen or damaged beyond repair. Comprehensive coverage can also cover the replacement cost of your vehicle if it is stolen or damaged beyond repair. Comprehensive coverage is ideal for drivers living in high-risk areas.

Contact Marla Williams Agency Today

Understanding the difference between collisions and comprehensive coverage can help protect your vehicle and save you money on insurance premiums. If you are a Kansas driver who wants protection against accidents, collision coverage is the way to go. Comprehensive coverage may be necessary if you live in an area with high rates of theft, vandalism, or natural disasters. 

Ways To Increase Employee Retention

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Employee retention has become a real issue for employers in the last five years. Finding ways to increase employee retention will be essential to your overall success. Here at Marla Williams Agency, we want to help Kansas employers overcome these challenges.

Here are some ways to increase employee retention:

Mental Health Services 

Everyone is dealing with increased amounts of stress today, and this stress is compounded by the difficulty of finding and affording quality mental health care or counseling. Considering that work stress is high on the list of factors contributing to mental health challenges, it stands to reason that employers who provide mental health services on-site, for free, or for reduced rates will send the message to employees that your mental health matters.

When employees feel that these types of needs are important to their employer and that the employer is actively seeking ways to meet those needs, they want to stick around. 

Healthy De-escalation Practices

Many employees leave jobs because of a particular event that felt like it was too much to handle or because of a series of events that were not handled properly. These types of problems often have a root in poor de-escalation practices as a whole. How tense situations are handled in the workplace becomes an integral part of your company culture. The employees recognize this over time.

Having poor de-escalation practices as a whole makes for an insecure work environment where employees do not feel safe to voice opinions, problems or confront situations. This can lead to a high turnover rate for you as the employer. 

Reach Out To Us!

If you would like to learn about commercial insurance and how it can contribute to your company’s success, please contact us at Marla Williams Agency serving Kansas. 

Kansas Home Insurance: What You Need To Know

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When it comes to protecting your most valuable asset, your home, it’s crucial to choose the right home insurance policy. In Kansas, securing the right home insurance is essential to safeguard your investment and peace of mind. Before making a decision, consider the expert advice from Marla Williams Agency to ensure you’re getting the best coverage for your needs.

Marla Williams Agency is a reputable and trustworthy insurance agency serving Kansas. We are renowned for providing comprehensive and reliable insurance solutions to homeowners in the region. With years of experience in the industry, our team is ready to assist you in selecting the perfect home insurance policy tailored to your requirements.

Kansas Home Insurance

As a homeowner in Kansas, it’s vital to understand the potential risks and hazards that might impact your property. Kansas is known for its unpredictable weather, including tornadoes, hailstorms, and heavy rain, which could lead to severe damage to your home. Therefore, working with a local agency like Marla Williams Agency will ensure you’re prepared for any unexpected situations that may arise.

The first step to securing the right home insurance policy in Kansas is to assess your specific needs. We can help you evaluate your home’s value, location, and other factors to determine the level of coverage you require. We will guide you through the process of comparing different policies and selecting one that offers adequate protection at a competitive price.

Additionally, it’s crucial to understand the policy’s terms and conditions, including any exclusions or limitations that may apply. Our team will ensure you are aware of these details and provide recommendations to help you make an informed decision.

Reach Out To Us

Choosing the right Kansas home insurance policy is a critical step in protecting your home and financial future. By partnering with Marla Williams Agency in Kansas, you’ll benefit from personalized service and expert guidance, making the process of finding the perfect coverage a breeze. Contact us today to get started on securing your home insurance policy.

The Role of Appraisals in Your Classic Car Insurance

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An appraisal is an expert estimate of the value of your classic car. A professional third-party appraiser researches and analyzes the condition of your car and determines its worth in current market conditions. Classic cars are unlike newer vehicles in that you may not be able to estimate their value by looking at the make and condition of the engine. The third-party appraiser will look at the interest in the old model, its rarity, history, and likely price should you sell it.

When applying for classic car insurance, having the car appraised by an expert in the same market in  Kansas is important.

Here are the roles the appraisal plays in your car insurance:

Determine the Replacement Cost

This will give a rough estimate of the value of the vehicle. It gives the insurance provider an idea of the replacement cost if you lose your car or it gets totaled in an accident. You want to make sure that the exact value of the car is captured in your replacement estimate so that you do not suffer a loss.

Get the Right Premiums

In addition, the vehicle’s value will enable us to assess the risk involved in insuring your vehicle. This helps in calculating your insurance premiums. Appraisals ensure that you are not overcharged for premiums.

Capture Your Investment in the Vehicle

Most classic cars require restoration, which can be an ongoing business. An appraisal enables you to cover the extra investment you have put into the vehicle so that it is captured in the insured value. If you continue improving the classic car, consider an appraisal before renewing your insurance policy.

Marla Williams Agency Is Here To Help!

Consider having your classic car appraised by a professional company, even if your insurance provider does not require it. When you want the right insurance cover for your classic car in Kansas, contact Marla Williams Agency for a quote and advice. Our team will guide you through the process and answer your queries.