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How to Pull Off the Perfect Wedding

How to Pull Off the Perfect Wedding

Every little girl dreams of a Cinderella and Prince Charming wedding. And who would blame her? From the glow of the soft candle light in the garden to an ocean side destination wedding it’s the bride and groom’s special day.

Of course, the happy couple is focused on planning their special day, not on what could go wrong. Yet it’s all too common to have a wedding dress damaged or worse, it’s lost on the way to the destination wedding, or a hurricane causes the wedding to be postponed, or even worse, the wedding venue closes due to bankruptcy, and many more disasters.

The average wedding costs approximately $35,000. And, of course, you want everything on your special day to go off without a hitch.

Personal finance experts recommend the following when planning your wedding:

1. Read the Contracts

It is imperative to read every word of any contracts, especially the venue contract. Many times you may cause yourself more expense than necessary. As some contracts include requirements you have no intentions of implementing.

2. Purchase Wedding Insurance.

  • Coverage is available for weather related postponement of the wedding or if essential people in the wedding party can’t make it to the venue due to the weather, illness or death.
  • Deposits for the cake, photographer, videographer, flowers are covered if your vendors do not show up for your special day.
  • Important attire such as the wedding dress, tuxedos, and apparel worn by the wedding party are also covered.
  • Coverage is available for repair or damage to gifts and wedding rings.
  • Liability and host liability is additional coverage that is available to cover if a person is hurt or damage occurs to the wedding venue. Host liability will also protect you from injury or damage as the result of serving liquor at your wedding.

3. Consider Coverage for your Honeymoon

Honeymoons can be almost as expensive as the wedding. Your homeowners or renters insurance will usually cover your lost personal property (baggage) but there is a coverage limit. Your credit cards may offer some coverage, so check with your card company for specifics. Travel insurance will cover for trip interruption or cancellation; emergency medical and dental care; emergency medical transportation, and baggage loss or damage.

There are many decisions to be made for your special day. If you find yourself facing a disaster, make sure you have the coverage to help protect yourself from financial loss. We can’t stop bad things from happening, but we can help you pull off the perfect wedding.

Donna makes sure you get the best wedding protection at the best price.

Who Needs Uninsured Motorist Insurance?

Who Needs Uninsured Motorist Insurance?

Who Needs Uninsured Motorist Insurance?

Tammy’s Story |

Tammy was driving home from work. She was almost there. She pulled up to last stop sign, put on her blinker, and started to turn left.  That was all she remembered. A drunk driver, recently released from jail, drove up behind her. As she turned, he pulled around her truck, and slammed into the driver’s door of her new Ford F150 pickup.

The impact broke Tammy’s wrist, arm and shoulder. It caused head injuries and impacted the bones in her whole skeleton. The other driver had no insurance. After more than $50,000 dollars of uninsured bodily injury expense, Tammy is still not back to herself. She may never be. This is a true story.

One in five Texas drivers do not have automobile insurance.

If you are in an accident, your chance of it involving an uninsured driver is high.


Insurance Coverage
There are three auto insurance coverages that can pay for injury to you and others in your car.

1. Medical Payment Coverage
In an accident, Medical Payment Coverage can take care any medical bills for you or other people in your car, no matter who was at fault. In addition, if there is a death as a result of the accident, Medical Payment will pay funeral bills (up to the amount of your coverage).

2. Personal Injury Coverage
Personal Injury Coverage pays for medical bills and funeral bills on a per person basis and covers up to 80% of your lost wages, if you are a wage earner.

Medical Payment and Personal Injury are both limited to the specific amount of coverage you choose.

3. Uninsured and Underinsured Motorist Coverage
Uninsured Coverage pays medical bills for you, others in your car, and damage to your car when the person causing the accident has no insurance or not enough to cover the injuries or damage.

Damage to your vehicle has a state mandated $250.00 deductible. So your vehicle will be repaired or you will receive a cash settlement should your vehicle be totaled.

Joe’s Story

Joe was driving to work and stopped for a stop light. The driver behind him was texting and didn’t see Joe stop. The driver ran into the rear of Joe’s truck. The police responded and took a report. Joe found out later that the texting driver did not have enough insurance to take care of all the damage to Joe’s truck.

Joe filed an underinsured motorist claim that paid the difference between the at-fault driver’s insurance and the total cost to repair his truck. Joe only had to pay the $250 dollar deductible.

Who needs uninsured motorist coverage?

We all do.

Get your quote online or over the phone.