Home Insurance In Major Catastrophes: A Car Striking Your Home

The worst situation you could imagine for your home has impacted you: an unsafe driver just ran into your home. This frustrating scenario is one we have experienced at Epic Insurance Thankfully, we can help Lees Summit, MO residents in this tough spot.

What Happens When Someone Hits Your Home With a Car

When someone hits your home with their car, they are obviously considered liable for the accident. As a result, their auto insurance policy will pay for the damages to your home up to the limit of their policy. This situation may be beneficial as you could get away without having to use your policy. 

However, situations regularly occur in which you’ll likely need to use your home insurance policy. For example, what happens if a person’s auto insurance covers $20,000 in damage, and you experience $30,000? You’re either stuck with the bill, or you have to make a claim on your auto insurance. 

In this situation, your home insurance will pay whatever is left over, up to your policy limits. So if the person who caused the accident pays $25,000 out of a $60,000 repair bill, your home insurance will pay for the remaining $35,000, depending on your policy limits. 

If your policy limit does not cover the full repairs, your insurance will pay out what it can, and you’ll have to pay for the rest. In areas near heavy traffic (such as homes near freeway exits), it isn’t a bad idea to consider expanding your limits to ensure you don’t get in a bad situation.

Don’t Hesitate to Make a Claim 

If you have a home insurance policy with us at Epic Insurance, please contact us if your home gets hit by a car. We can also help Lees Summit, MO residents get a policy that works for their needs if they are not covered adequately. 

Does My Missouri Company Need Commercial Insurance?

Calling all business owners in Lees Summit, MO — Do you have an updated commercial insurance policy? If you are unsure, the agents at Epic Insurance. recommend looking into it immediately to see what coverage you do have and where the gaps are. 

Missouri Commercial Insurance 

If you own a business in Missouri, commercial insurance is a must for financial security and the protection of any assets within the business. While commercial insurance isn’t required by law in Missouri, the protection it offers is more than enough reason to make the investment. Epic Insurance. offers expertise and assistance when it comes to selecting the right policy. 

As a business owner, you know there are risks involved in running a business. If you can minimize those risks and protect your business, why wouldn’t you? Commercial insurance is often required by lenders and investors, so you may not have many options in the matter regardless. 

Lastly, if you have a certain number of employees that work for your business, you will need worker’s compensation insurance (also depending on the type of business you have). This type of insurance protects a business in the event that an employee becomes injured on the job. 

By now, you probably understand how important commercial insurance is for any business. While it may not be required in Lees Summit, MO the benefits and protection it offers are more than worth the price. If you aren’t sure where to start with this type of insurance for your business, contact Epic Insurance today. Selecting the right policy can be stressful and confusing, and our agents are more than capable of selecting the best policy for you. 

Prevent Drunk Driving at the Holidays

Tis the season. The annual holidays are coming up, and between Thanksgiving, Chanukah, Christmas and New Year’s Eve, Americans will be consuming more alcohol. Studies show that in December, an average of 25 people a day will die in drunk driving incidents. Longer-term data suggest that traffic fatalities do tend to spike around Christmas, New Years and the July 4th holidays. The deadliest days for pedestrians are Halloween and New Year’s Day, while DUI incidents tend to spike during Spring Break.

The tragedy is that drunk driving incidents are preventable – with a little bit of planning, due diligence, and assertiveness on the part of responsible people.

Alcohol related incidents don’t just affect traffic accident victims. Party hosts have been held legally liable for drunk driving incidents that occur after intoxicated individuals leave their homes. Some states have “social host liability” laws that allow anyone injured by an intoxicated individual who got drunk or high at their party to sue the party host/homeowner. You are particularly at legal risk if the drinkers at your party are underage, or if you recklessly or negligently continue to serve alcohol to individuals who are clearly intoxicated.

For Party Hosts
• Remember that booze does not need to be the main attraction. There are lots of ways to set up the party. The wet bar or keg doesn’t have to be the first thing people see when they walk into your soiree.
• Make sure there are plenty of non-alcoholic drinks available.
• Use small cups.
• Feed people. Food takes the edge off intoxication. If nothing else, order pizzas.
• Avoid snacks that are too salty. Salt makes people drink more.
• Have a ‘key collection point.’ Toward the end of the party, station yourself by the keys. This will force all your guests to check in with you before they leave.
• Take the punchbowl or other alcohol away 1-2 hours before the party ends.
• Don’t serve alcohol to people who are already visibly drunk.
• Plan to have people sleep overnight.
• Consider renting a van for the night and providing a safe ride home for your guests yourself.
• Have a caterer run the bar, and allow people to buy their own drinks, rather than host it yourself. This provides a layer of liability insulation between you and any damage your inebriated guest may cause. You will also have a sober and professional bartender available to politely decline selling the drink and offer a soda instead.
• Also, consider a ‘dry party.’

For partygoers
• Agree ahead of time on who will be driving. That individual should abstain from drinking throughout the night, ideally.
• Contact the Sober Ride Program. The National Highway Traffic Safety Administration maintains a nationwide database of such programs. You can find a state-by-state listing here .
• Call a taxi. In many markets, 444-4444 gets you a taxi dispatcher. Or you can use a mobile-phone app such as MyTaxi, SaferRide, or Curb (formerly TaxiMagic).
• Consider a ride-sharing service. Availability varies, depending on the market, but popular options include Lyft, Uber, and Sidecar.

Content provided by Ezlynx

Did You Make a Mistake on Your Auto Insurance?

Do you worry about making mistakes on your car insurance and want to avoid getting in any trouble? We understand this fear at Epic Insurance. Thankfully, we can help Lees Summit, MO residents prevent these problems and keep their insurance strong, safe, and reasonable.

Did You File a Claim When You Shouldn’t Have Filed It?

Some people may try to file a claim when they experience minor damage to their vehicle. This common mistake is frustrating to insurance companies because it’s not likely that they’ll ever have to pay for anything and the paperwork just clogs up their system. Only file if the damage is more than your deductible.

Did You Forget to Take Pictures?

Do you know how many people don’t take pictures of their cars after an accident? We don’t know the exact number but know that it is very high. This mistake is going to make your claim much harder to prove. Your company may even refuse your coverage until you provide photos to prove it. 

Did You Tell Your Insurance Companies You’re Okay?

When talking to your insurance company, it isn’t wise to say that you feel “fine” if you plan on getting any medical care coverage. This statement tells them that you aren’t suffering, and any attempt to get coverage for medical bills may be looked on with suspicion.

Did You Provide Too Little Information? 

Car owners may hide their fault in a car accident by providing minimal information to their insurance company. This mistake is critical because insurance teams do their investigations anyway and talk to other people, painting you in a bad light. 

Work With Us to Learn More 

We at Epic Insurance understand that working with insurance companies can feel complex or challenging. However, we’re ready to help Lees Summit, MO residents avoid the kind of mistakes highlighted above. 

When should you review your home insurance policy?

Home insurance is not a one-and-done kind of insurance. As you change and your lifestyle changes, your home insurance needs to grow and change with you. At Epic Insurance in Lees Summit, MO, we make sure that we get to know our clients so that we can better access their insurance needs. No one wants to pay for insurance they don’t need or do not have the insurance they need. 

When it is time for your policy renewal, your carrier will send you a new copy of your policy. Don’t just toss it in the garbage or into a drawer, You actually need to look at it. The front page is called the declaration page. This is a synopsis of your coverage. You can look at it rather quickly and see exactly how much you are paying and what you are paying for. Do you have enough property coverage? Is the content coverage the kind you want? Do you have any endorsement? What is your deductible? What credit are you getting?  Once you have looked these all over, you can talk to your insurance agent about anything that needs to be changed. 

This is the obvious time to review your policy, but if you have made any major changes to your home, you need to make sure your insurance company knows and evaluates your house.  Have you added a dog, trampoline, or pool to your home? You may need more liability coverage. Have you replaced your roof? Added a home security system or wired smoke detectors? You may be eligible for a lower premium. It is up to you to let your insurance agent know when there are changes in your home and in your life. 

Contact Epic Insurance in Lees Summit, MO to talk about how we can help you to make sure you have the right home coverage. 

Back to School Safety Tips

A primary concern for everyone is keeping students safe.  Here are some Back to School Safety Tips.

  1. Drivers, Slow Down.
  2. A bus with an extended stop sign indicates that drivers from BOTH sides need to stop.
  3. Children should know phone numbers, address, how to dial 9-1-1.
  4. Teach children not to accept rides from anyone they don’t know.
  5. If students are walking to school, walk in groups, use crosswalks, know alternate routes.

For more details and information see the American Red Cross safety tips at https://tennesseeredcross.blogspot.com/2018/08/red-cross-offers-back-to-school-safety.html

The ABCs of Boat Insurance

Do you own a boat in Lees Summit, MO? Do you have boat insurance? Unfortunately, many boaters like talking about boating experiences, but shy away when asked about boat insurance. One of the reasons many boaters don’t carry boat insurance is that it’s not mandatory in Missouri. For other boaters, they think boating accidents are unlikely to happen. 

Unfortunately, when perils like accidents, theft, and fire strike, uninsured boaters are faced with massive losses – it’s only then they realize the power of a boat insurance policy. The good news is that you don’t have to wait until it’s too late. You can purchase boat insurance today from Epic Insurance. But before then, here are a few basics you need to know about boat insurance. 

Boat insurance may be required

While Missouri doesn’t require boat insurance, your federal-regulated lender may require you to purchase watercraft insurance until you pay off your outstanding loan.

Understand the difference between the actual value and agreed value

When it comes to loss settlements, you need to know what actual, and agreed value means. The agreed value would be the amount pre-agreed between the insurer and the policyholder if the boat suffered a total loss. In this case, you will receive the agreed value less your deductibles, but without reducing the depreciation factor.

The actual value is the replacement cost of your boat today, less the depreciation factor. While the premiums are cheaper than the agreed value, the compensation amount is less than the agreed value. 

Understand different boat insurance coverages

Just like auto or home insurance policy, boat insurance comprises various coverages to suit different needs. While you are not required to purchase all coverages, understanding different coverages helps you choose those that fit your needs. Here are some coverages to consider:

  • Collision
  • Comprehensive
  • Emergency assistance
  • Medical payments
  • Liability
  • Uninsured/underinsured boater
  • Wreckage removal and oil spillage

Do you need to learn more about boat insurance? Don’t hesitate to get in touch with Epic Insurance for more information. Else, you can pop in our Lees Summit, MO offices to speak to one of our agents.

Summer Water Safety Tips for Boaters

Summer is here in Lees Summit, MO, meaning it is time to get out of the house and go enjoy time out on the waterTaking the boat out on the water is a great way to enjoy the summer with friends and family. You can relax on the boat, jump in the water to cool off or do some tubing. There are so many summer options available when you spend time out on your boat. 

However, with the summer fun, it is essential to stay safe out on the water. In addition to contacting Epic Insurance about your boater’s insurance needs, here are some tips to help keep you safe this summer while boating. 

Conduct a Safety Check

Before going out on the water:

  1. Conduct a quick safety check of the boat.
  2. Ensure you have all the essential safety items needed, such as a first aid kit, life jackets, etc.
  3. Check to make sure there is enough gas in the boat and is current on all maintenance checks. 

Watch the Weather

Before going out on the water, check the local weather forecast. If there are storms in the area, it might not be the best day to go boating. 

Wear Life Jackets

Every passenger should have a life jacket available on board. In addition, children must wear their flotation devices at all times.

Avoid a BUI

It is against federal law to operate a boat under the influence of drugs or alcohol. Therefore, whoever is going to be driving the boat should avoid becoming intoxicated. Selecting one or two people to be the designated driver is always a good idea. 

Enjoy the freedom of being out on the water this summer in Lees Summit, MO. Epic Insurance is ready to talk to you about your boat insurance needs for any watercraft. Contact us today to learn how to protect your boat and your family. 

How to Get Health Insurance Without a Qualifying Event

Perhaps you self-insured for many years, or you recently lost your job and missed the COBRA extension date. You can qualify for insurance right now, although open enrollment for health insurance occurs each November and December. You won’t purchase your permanent health insurance this way, but you can get a temporary policy to see you through. Here is how Epic Insurance can help.

If you explore the health insurance portal from your Lees Summit, MO home, you probably found numerous options, but see that open enrollment does not occur until November or December. You probably do not want to wait that long to own health insurance. You could purchase a temporary policy now that sees you through until the December open enrollment period.

You might also qualify to purchase regular insurance now under an exception. For example, if you did lose your job and your employer provided your insurance, you qualify for an exception. Another exception is if you just moved to another state. While you must prove that you qualify for the exception, this lets you choose your permanent policy now. Other exceptions include:

  • Aging off of your parent’s insurance policy,
  • Expired COBRA coverage,
  • Getting a divorce,
  • Getting married,
  • Having a baby,
  • Adopting a child.

If you do not qualify for an exception and you simply have not had insurance, you can still obtain it now. Contact Epic Insurance, serving Lees Summit, MO to learn how to purchase temporary health insurance, so you can have coverage throughout the year. When November rolls around, you can either continue with your existing policy or you can transition to a permanent policy that provides better coverage or a cheaper price.

4 myths about auto insurance every driver needs to know

Whether you’re looking to buy a new policy or update your coverage, it’s critical that you understand the factors that affect your insurance costs. Auto insurance is a popular policy as it is mandatory in Lees Summit, MO and other states. That’s why there is a lot of misinterpretation and negative information around. Here are the four common myths we thought you should know about.

Myth #1. Red Cars are Expensive to Insure

Whether you choose to paint your car yellow, pink or purple, color doesn’t play a role in determining your insurance costs. Your insurance company will only be concerned about the model of the car, year of manufacture, engine size, and body type. They will also want to check your driving record.

Myth #2. Senior Drivers Pay More for Their Insurance Policies

That’s quite the opposite. Young drivers or inexperienced drivers are likely to pay more when buying auto insurance as their driving record is yet to be established. On the other hand, seniors or older drivers are eligible for unique discounts depending on the number of years they have been driving.

Myth #3. Other People Who Drive Your Car are Covered in Their Own Policies

The insurance you buy is primarily for your car, not you. That means that it does not matter who was driving the vehicle when the accident happened. Your insurance policy will pay for the injuries other people sustain as long as you gave the green light for the other driver to drive.

Myth #4. Auto Insurance Covers Your Injuries

This is only true if you have personal injury protection (PIP), a specific coverage designed to pay your medical bills in case you’re injured. The minimum liability coverage required by the law does not cover your injuries or damage to your car. That’s why it’s always a prudent idea to speak to an Epic insurance expert to help you determine which additional coverages to buy.

For more information about auto insurance facts, questions, and new policy discussions in Lees Summit, MO, feel free to contact Epic insurance.