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Huggins Family Insurance
Insurance for Las Vegas Nevada
LAS VEGAS INSURANCE, LAS VEGAS CAR INSURANCE, LAS VEGAS LIFE INSURANCE, LAS VEGAS ALLSTATE AGENT
When you think of family who do you think of? Children, wife, mom, dad are probably who comes to mind first. I agree with that I love my immediate family so much that I would almost do anything for them. I would want to protect there lifestyle and make sure that they always have what they need. This is what parents do, don’t you agree? When you go to work everyday do you think that you might not get to see your wife or kids later? I don’t think so most people don’t think that way. But let’s say you do get killed on the way to work, do you have everything in place if that happens? Your family are the most important things in your lives and I am sure you would want them taken care of if something like this happens to you! Most people want Life insurance when they are dying and that is to late. Even if you decide to get a quote from another company at-least you are taking care of your family! I know I don’t type very good but I have taken care of my family have you?
Call us to schedule you a appointment today don’t wait!
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Huggins Family Insurance
Welcome to Huggins Family Insurance!! Please take a look around our site and leave comments please!!
We are always here to help and want to make sure you are always covered correctly, please give us a call to go over your current insurance policy. Huggins Family insurance says it all we are in business for you and your families only. Insurance seems to me is going towards more of a personal side these days and why not have an agent on your side. We strive to have the best customer service in Las Vegas and the surrounding areas and my clients constantly refer family and friends to our agency. We grow year after year because our clients trust us and you will too!! We provide all types of insurance coverage’s for example:
Auto, Homeowners, Condo, Renters, Landlords, Motorcycle, Boatowners, Commercial, Life and Financial services
Give us a call and become a Huggins Family Member!!
1-702-616-8384
Servicing the state of Nevada PROUDLY!!
Ever wonder why your next door neighbor is getting a better rate on there Las Vegas auto and Homeowners insurance. That is a great question and I have some answers for you. There is a lot of things that go into figuring out your rate for example:
Financial Stability can change your rate, does your neighbor have better credit than you?
Driving record, do you have young drivers on the policy? Amount of coverage you are carrying, the kind of cars you insure, is your vehicles exactly like yours neighbors probably not! Now these are a few example’s but trust me there is a lot of factors that go into your rate and your neighbor is not you!!!!
When you are ready to get a quote just give us a call at 1-702-616-8384. Serving Nevada proudly!!!!
Las Vegas car insurance, Las Vegas Allstate Insurance, Las Vegas insurance, Las Vegas life insurance
Huggins Family Insurance
http://allstateagencies.com/chuggins
1-702-616-8384
If you live in Las Vegas and you have Insurance questions please give my agency a call. We are here from 8 to 5pm Monday-Friday and as always waiting to help!! Insurance can be hard to understand but we have a great way to help you understand what exactly you are buying and why. What ever you need help on for example auto insurance, home insurance, life insurance, motorcycle insurance, condominium insurance, renters insurance, business, personal umbrella’s , boat insurance we have you covered! If you are tired on your insurance company not calling you back well we want your business and we will fight for it.
Please call 1-702-616-8384
DMV Registration Penalties
Senate Bill 323, passed during the 2011 Legislative Session, replaces the former
$250 reinstatement fee for an insurance lapse with a tiered system of fees and fines.
Below is a matrix of the new penalties.
They are based on the length of the lapse of coverage and the number of previous lapses.
This goes into effect July 1, 2011.
| Length of Lapse: | 1-30 Days | 31-90 Days | 91-180 Days | 181 Days or More |
| 1st Offense | ||||
| Reinstatement Fee | $250 | $250 | $250 | $250 |
| Fine | $0 | $250 | $500 | $1,000 |
| SR-22 Insurance | No | No | Yes | Yes |
| TOTALS | $250 | $500 | $750 | $1,250 |
| 2nd Offense | ||||
| Reinstatement Fee | $500 | $500 | $500 | $500 |
| Fine | $0 | $500 | $500 | $1,000 |
| SR-22 Insurance | No | No | Yes | Yes |
| TOTALS | $500 | $1,000 | $1,000 | $1,500 |
| 3rd Offense | ||||
| Reinstatement Fee | $750 | $750 | $750 | $750 |
| Fine | $0 | $500 | $750 | $1,000 |
| SR-22 Insurance | No | No | Yes | Yes |
| Driver License Suspension | Min. 30 Days | Min. 30 Days | Min. 30 Days | Min. 30 Days |
| TOTALS | $750 | $1,250 | $1,500 | $1,750 |
If the owner of the vehicle declares it dormant due to mechanical or seasonal circumstances during the period in question, the owner must sign a Dormant Vehicle Affidavit (NVL-003) and present documentation to verify the status. The reinstatement requirements will then include presenting current proof of insurance and a payment of $50.00.
If the owner of the vehicle experienced extenuating circumstances beyond their control, the owner may complete an affidavit and present original receipts and/or documentation to verify circumstance and time frames. Financial hardship does not qualify. Examples of extenuating circumstances are hospitalization, illness or a death in the family. You must apply at a DMV office or a County Assessor that offers vehicle registration services.
Having insurance in Las Vegascan be very expensive depending on many different factors. Insurance companies uses your credit rating, driving record, zip code and many more things to determine a rate for you. When you are planning to move to Las Vegas contact your agent to recommend a great zip code for you. Everybody is trying to keep their cost down and I would love everybody to get the chance before they move to Las Vegas.
There are a lot of determining factors with regards to getting a lower rate on your car insurance. What is the best zip code? Do you already have the best coverage? Do you have too much coverage? Do I need full coverage? Do I need just liability? Do I need medical payments? Do I need uninsured motorist coverage?
I am always willing to help even if you don’t live in Las Vegas, just give me a call!!!
Bottom line get an Agent, he or she can answer these very important questions!!!
Have a great day,
Huggins Family Insurance
1-702-616-8384
Pictures you’ve e-mailed or uploaded from your smartphone could be leaking location information threatening your safety or that of your children.
Police are concerned
“It’s frightening,” said Leawood School Resource Police Officer Mark Chudik when we showed him what we had uncovered.
We combed Twitter and sites like Facebook , Craig’s List, and Photobucket .
We searched by entering the names of area cities. We easily identified the home addresses and play areas of children whose pictures were posted by their parents.
“That is legitimately terrifying,” said McDonald when we showed her information we obtained from pictures she posted of daughter Laine.
It’s a new and frightening threat to parents.
The full risk is even an unknown to many internet crime experts, like Chudik, who said he’d never seen private information shared so quickly in such an unknown manner.
He calls the hidden smartphone data today’s biggest risk online.
“It’s probably going to be number one for a while,” Chudik said.
Technique involves free, easily available software
Chudik used a free browser add-on to click on pictures of four-year-old Laine.
He not only found her home when he clicked on a picture of her bedroom, but located her day care, favorite fast food shop, and the specific part of the park where she plays.
“The fact that they found the bedroom is terrifying,” McDonald said. “Scary, like terrifying. Especially as a parent because of the fact that you can see the exact place of it.”
We searched online servers by local cities creating a menu of nearby children and their locations.
With one online bedroom picture, we were able to find the home of two Olathe brothers.
When we went to their home to warn their parents, they declined to comment, but did change the settings on their Photobucket account to private.
How it works
At UMKC, computer science Professor Deep Medhi says smartphones leave a high-tech invisible trail using the same geotracking technology that enables the social website Foursquare and handheld map apps.
“Exactly like in your GPS device in your car,” Medhi said. “When you do it, it can tell you exactly where it is.”
Medhi showed how the easily-obtained software can translate geotagged photos, uploaded or linked from popular websites, into maps.
“Exactly that spot where that picture was taken,” Medhi said.
How to deactivate your geotagging
The site icanstalku.com reposts pictures from unwitting Twitter users in real time, translating their photos into actual addresses and maps.
The site also lists a how to deactivate geotagging on the iPhone, Blackberry with GPS, Google Android, and Palm WebOS.
The site recommends restricting which applications can access GPS marking, or turning off location services altogether, in your smartphone settings.
“You want to be able to do it almost on a picture basis,” Medhi said.
“I don’t think you can think of anything worse than a stranger knowing all that information,” said Officer Chudik.
Experts say you can still be perfectly safe by turning off GPS settings before taking pictures you plan to post online and by keeping your online photo servers restricted to private.
Driving without car insurance is illegal in almost all states. Insurance protects you, and others, from financial ruin in the event of an auto accident. In addition, it can come to the rescue if your car is vandalized, damaged by fire or stolen — depending on your policy.
Driving without insurance or the ability to pay for the damages you cause in an accident puts others at financial risk. That’s why all states (except New Hampshire) require drivers to carry liability insurance, according to the Insurance Information Institute (III).
A basic auto insurance policy contains six types of coverage. Depending on where you live, some coverage is required and some is optional.
Car insurance is comprised of:
1. Bodily injury liability
2. Property damage liability
3. Medical payments or Personal Injury Protection (PIP)
4. Collision
5. Comprehensive
6. Uninsured/Underinsured motorists coverage (UM/UIM)
7. Extras, like roadside assistance
Liability insurance
Liability coverage limits (that’s for the damage you do to others) are written as three numbers, such as 15/30/10. That translates to $15,000 in bodily injury coverage per person, $30,000 in bodily injury coverage per accident and $10,000 in property-damage coverage per accident.
States require certain levels of minimum liability insurance because it’s coverage that pays for damage you do to others — including bodily injury and property damage. It also pays for your legal bills if you cause an accident.
Bodily-injury liability applies to damages you cause to others. It covers their medical bills and lost wages. Property-damage liability pays to repair or replace property that you destroy. This includes other cars or property, such as fences. It can also pay for “pain and suffering” damages if someone sues you after a car accident — but only up to your liability limits.
However, your financial responsibility may exceed your liability limits. If you cause $80,000 worth of damage and have an insurance limit of $40,000, you’re responsible for the remaining $40,000 and could be sued for it. III recommends you carry $100,000 of bodily injury protection per person and $300,000 per accident. Other insurance industry experts also recommend buying a minimum of $50,000 in property damage liability coverage.
Collision and comprehensive coverage
Unlike property damage liability, collision coverage pays to repair your own vehicle in the event of an accident. Your car is considered “totaled” when the repair costs exceed a certain threshold of the car’s value, such as 70 percent. At that point, the insurance company will tow away the car to the salvage yard and offer you the actual cash value of your car.
| Collision & comprehensive coverage: Up to youNeither collision nor comprehensive coverage is required by any state. However, your bank (if you are financing your car) may require that you carry this coverage until you have paid for your car in full. After your car is paid off, you have the option of dropping this coverage. |
To keep your premium costs down when you buy collision coverage, you can raise your deductible. According to III, collision coverage is generally sold with a deductible of $250 to $1,000. The higher your deductible, the lower your premium. But remember, you’ll have to pay that amount out of your pocket.
Comprehensive coverage pays for damage to your car that isn’t due to car accidents. That includes theft, fire, vandalism, natural disasters and collisions with animals (such as hitting a deer). Another perk that may be covered under your comprehensive coverage is your windshield. In some states, comprehensive coverage includes glass replacement with no deductible, but it varies from state to state. Ask your agent about the specifics when you purchase your policy.
Medical payments, PIP and no-fault
Medical payments (called MedPay) coverage pays for the medical expenses suffered by you and your passengers after an accident. You’re also covered if you’re driving someone else’s car (with their permission) or from injuries suffered if a car hits you. MedPay will pay no matter who caused the accident, although if someone else is at fault your insurer may subrogate against them, meaning it will seek damages from the other party.
| States that require PIP coverageArkansasDelawareFlorida
Hawaii Kansas Kentucky Maryland Massachusetts Michigan Minnesota New Jersey New York North Dakota Oregon Pennsylvania Utah Source: Insurance Information Institute |
Personal Injury Protection (PIP) coverage pays for medical expenses and lost wages for you and your passengers who are injured in an accident. It also covers funeral costs. PIP is required in 16 states. Do you need it? If you have good health insurance and disability insurance, you can skip PIP or buy only the minimum amount if it’s required. Uninsured/underinsured motorist coverage
Uninsured motorists (UM) coverage pays for your medical bills if an uninsured driver strikes your car or if you’re a victim of a hit-and-run. According to III, UM coverage is required by law in 20 states and the District of Columbia. The states are: Connecticut, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, New Hampshire, New Jersey, New York, North Carolina, North Dakota, Oregon, Rhode Island, South Carolina, South Dakota, Virginia, West Virginia and Wisconsin.
Similarly, underinsured motorists (UIM) coverage kicks in when someone causes an accident but doesn’t have enough insurance to cover all medical bills. In that case, the at-fault person’s insurance pays out to its maximum and then your UIM coverage pays for the remaining bills, up to your own limit.
UM and UIM coverage also covers pain and suffering claims and, in some states, property damage. Las Vegas Car Insurance, Las Vegas Auto Insurance, Auto Insurance Las Vegas,
The extras
There are a variety of extras you can buy. Just remember that making a claim for any of them, like towing, goes down as a claim on your record.
How to buy
There are various ways to find the least expensive auto policies. You can get car insurance quotes online or from a local independent agent. Seek quotes from several companies so you can compare prices. You also want to know that your auto insurer will have great customer service and make the claim process easy and fair in the event of an accident. For that, the recommendations of friends and family, especially those who have made claims, can be invaluable.
In addition, many state insurance departments release annual reports showing the number of consumer complaints against each insurance company that does business in the state.
The Internet has made everyday tasks more convenient—even filing taxes has become easier. In fact, the Internal Revenue Service is advocating the use of eFiling over paper filing for the 2011 tax season.
Unfortunately, the increased convenience of online tax preparation and filing has attracted phishing scams from fraudsters who pose as IRS agents. These scammers use scare tactics (threat of audit) or promise of reward (large refunds) to capture personal and sensitive information.
Sincerely,
Huggins Family Insurance
