PIP, Medical Payments & Uninsured Motorist Coverage Explained  When most people think about car insurance, they think about damage to vehicles. But some of the most valuable coverages on your policy are the ones designed to protect you and your passengers after…

What Happens Financially If You Cause a Car Accident?  Auto insurance can feel overwhelming, especially when trying to understand what each coverage actually does. One of the most important parts of your policy is liability coverage, the protection designed to cover damages or…

Why have insurance rates increased so much over the past few years?  Chris W: Insurance rates have risen largely due to increased claim costs. The cost of labor and materials has gone up significantly, and in the auto industry, access to parts has…

1. Does Your Insurance Cover You Out of State?  Good news: Most auto insurance policies follow you across state lines.  But:  2. Rental Car Confusion  This is where people get tripped up.  Your personal auto policy may cover rental cars, but only…

Q&A with CIA’s Agency Manager Chris Walton  Many people assume they must wait until their insurance policy renews before making any changes. But in reality, homeowners and drivers often have more flexibility than they think.  To clarify how midterm policy changes work, we spoke…

Understanding Your Coverage  Steps to Take After the Accident  Cost Considerations  Hitting an animal is often covered under comprehensive insurance. Being prepared and knowing your policy can reduce stress in an already difficult situation.  Not sure if your policy covers wildlife accidents? Contact Cornerstone Insurance…

Auto accidents can create serious financial risks, especially when bodily injuries are involved. Chris Walton explains how bodily injury coverage works, how long claims can take, and how to protect yourself with the right limits.  Q. How long does it…

What is an Insurance Portfolio?  An insurance portfolio is the collection of coverage that protects your income, assets, and loved ones. Just like a financial portfolio, it should be well-rounded and tailored to your specific needs.  A strong insurance portfolio typically includes:  How Insurance…

  Why a Home Purchase Matters for Your Financial Health  For most people, a house is the largest purchase and investment they’ll ever make. Beyond the mortgage itself, it influences everything from your monthly budget to your long-term wealth strategy.  Unfortunately, many…

  Bundling Benefits:  Combining auto and home insurance often unlocks discounts that reduce overall costs.  Bundling can simplify claims management by having a single provider handle both policies.  Shared Risk Profile:  If you’ve filed multiple auto claims, some insurers may…