Massachusetts RV Insurance

Recreational vehicles can be a adventurous way to live your life…or spend your weekend away. Getting the right insurance, will ensure that your happy weekend isn’t ruined by lack of coverage. Massachusetts RV insurance isn’t difficult. With a little understanding, you will be able to have an informed conversation with your insurance agent.

Classes of RVs

Given the wide range of vehicles that classify as an RV, there are different classifications: Class A, B, and C.  Depending on what type of RV you own and how often you are using it, your insurance options will vary.

To give you some idea of each class, let’s look at some examples:

• Class A: motor coaches, luxury coaches, and converted buses
• Class B: smaller RVs without cab-overs, travel-trailers, camper vans, and converted cargo vans style campers
• Class C: cab-over styled campers, separate cab area, and fifth wheel vehicles.

Typical Coverages for RVs

First of all, an RV is still at risk for the same things your car is, so the same coverages apply: collision, comprehensive, and liability. At the same time, the vehicle is a living space. Therefore, some of the same coverage as your homeowners insurance are needed, such as coverage on your personal belongings. In addition, other coverages will vary by agent and your specific needs, but may include:

• total-loss replacement
• emergency expense
• roadside assistance
• towing
• campsite
• vacation
• full-time usage (if you travel and live in your RV)
• uninsured/underinsured motorist
• permanent attachments

While that is a laundry list of coverages, your insurance agent will be able to walk you through the process of determining your specific needs and coverage levels.

How Much Does Massachusetts RV Insurance Cost?

Prices for Massachusetts RV insurance can vary widely, depending on two very RV-specific factors:

• Your RV Class – Classes A & C are the most costly, respectively. Finally, Class B is usually not as costly.
• Usage – If you live in your RV, the cost will naturally rise with the level of risk.

Additionally, your insurance costs will rise if you have a poor driving record, if you need additional coverages, or if you want certain limits and deductibles. Due to your personal needs, costs are very specific to you.  A ballpark figure in RV insurance might be $500 – $2,500 per year, but any of the aforementioned aspects could raise or lower your RV insurance costs.

Next Steps

Insurance on your investment is a no-brainer, even when it is parked. Yet, when you have your RV on the road, Massachusetts requires that you have insurance with at least liability coverage. So if you have purchased or are purchasing an RV and would like to have a conversation with an agent, you can contact us here and one of our friendly staff members will be happy to help you.

Is Rental Car Insurance Really Worth it?

Have you ever rented a car? If you have then you probably know that rental car companies offer optional rental car insurance…but is it worth it?

One such rental car insurance package is often called the “Full Damage Waiver” and actually I highly recommend purchasing this insurance package.

When I rented a car with Enterprise recently I got the “Full Damage Waiver” added to my rental agreement. It cost me just under $17 per day.

Now, I know what you are thinking, and yes it can add up if you have the rental vehicle for a long time. I would think that most rentals wouldn’t last for more than a week or two. So at the end of one week the total cost to add this would be about $119. If you keep the vehicle for two weeks then the cost would be about $238.

Why Rental Car Insurance?

So now you are likely wondering why would you pay for this and I will tell you. If you don’t get the coverage then:

1. If you damage the rental then the credit card you used to place the security deposit will immediately be charged the amount of the deductible on your auto policy. Most often this means a charge of $500 or $1000. (assuming you have the correct coverage on your policy)
2. If you are at fault in a collision then your driving record will be affected causing the cost of your auto insurance to increase at your next renewal.
3. You could be charged additional costs as well. These additional fees can include Administrative fees, Loss of Use, Diminishment of Value and possibly others depending on the rental car company. It is possible your auto insurance policy may pay one or more of these fees. In a recent claim only the Loss of use was covered.

So, in short if you purchase the “Full Damage Waiver” you can just walk away from any and all damage, get your deposit back. No fees or surcharge will be applied since your insurance company won’t have to pay for the damage.  This alone makes rental car insurance well worth the investment.

Next time you rent a car look for this waiver, but it may be called something else. Read the contract and add the waiver to save yourself a boat load of hassle that could come your way, if damage is done.

About the Author:

*Please note, I am a licensed agent in the state of Massachusetts. Details may vary state to state. I have prepared this as a summary of my experience with rental cars, it is intended as an item for consideration. Please do your own research and read your contracts when renting a vehicle.

Written by Bonnie J. O’Hara CISR
Barrows Insurance Agency, Inc.
http://www.barrowsins.com/

A Guide to Second Home Insurance

Many of our clients have made the decision to purchase a second home, or vacation home, some on the Cape and other places. Two common conversations come up with nearly every second home policy we write. First, why is this different from homeowners insurance? Secondly, what types of insurance are needed for a secondary home? So, let’s look at what these differences are, what insurance types are needed, and what you can do to mitigate some costs.

As a disclaimer, I will mention real estate in other places, we can usually refer you to a reputable agency for places that we do not do business.

How is Second Home Insurance Different?

Second home insurance differs from homeowners insurance in several ways. Most of these differences are simply increased risk factors and that’s what I am going to focus on.

Perhaps the biggest risk factor is that the home may go unoccupied for long periods of time. While you are at your primary residence, a storm could have ripped a hole in the roof of your second home and no one is there to address the issue. So a hole in the roof becomes water damage an mold cleanup by the time someone realizes what happened.

Another prevalent risk factor is that many vacation homes are in rural locations, like that getaway cabin in the White Mountains. Compounding the effect of being unoccupied, the risk of theft increases when the location is both unoccupied and rural.

Many people also tend to offer their second home to friends, family, coworkers, or clients. While this helps with keeping a check on the property and maintenance needs, it introduces yet another threat. Damage by a 3rd party.

Additionally, some people even rent out their second home for short periods of time. For instance, a house in Daytona may get rented out to spring breakers. Did someone say, “risk”?

So, to recap:

• Unoccupied for long periods
• Isolated rural location
• Guests
• Tenants

Types of Insurance Needed:

Many of the insurances you will need for your second home, is the same as homeowners insurance. In most homeowners insurance policies, your coverages are:

• Dwelling
• Other structures
• Personal property
• Loss of use
• Liability insurance

As you have probably figured out, you may need a few extra pieces in place. So, in addition to you’re typical homeowners insurance, you should consider:

• Earthquake
• Tornado
• Hurricane
• Additional theft/vandalism
• Tenant Insurance (if renting)
• Umbrella Policy
• Flood

What you can do to mitigate costs:

• Install an Alarm System
  • If you are leaving any valuables at your second home, then installing an alarm system isn’t only practical, it can save you money on insurance premiums.
• Combine Policies to Save
  • If possible, combine your second home insurance with your primary homeowners insurance, car insurance, boat insurance, etc. By combining these and going through the same company, you can lower your premiums.
• Umbrella Policies
  • Aside from the fact you are adding a valuable asset to your insurance coverages, there comes a point where having an umbrella policy just makes sense. In the event that something were to happen, like a 100 year flood that you didn’t anticipate or have covered, you may need some additional coverage. The more assets you are insuring, the higher the risk that you are exposed to one of these “freak accidents”. Maybe buying the second home doesn’t trigger the need for this, but keep it in mind.
• Insurance & Renting
  • If you are going to be renting out your second home, you should inform your insurance agent. While it may seem more risky to be renting, the reality is that some of the risks associated with it being empty will be alleviated, which could translate into savings.
  • Another way to save on your premiums is to require tenants to carry renters insurance with minimum amounts of coverage, as outlined by your insurance agent. In doing so, some of the risk management costs can be transferred to the tenant, again saving you money without lowering your coverage.

Choosing the right insurance agency:

As you have seen, insurance for a second home is considered higher risk than a primary home. To mitigate costs, you should consider using an agency that has access to multiple insurance companies. Not all insurance products are the same and having access to more options, as well as having a knowledgeable insurance agent, will better ensure that you have the appropriate amount of insurance at the best price possible.

Image from: houselogic.com

10 Homeowners Insurance Tips

Here are 10 tips for what to look for in homeowners insurance 

Trust- use a company that you can trust and has a reputation for genuinely caring about their clients.

Social proof- compare and rate companies based on their ability to satisfy the needs of their customers.

Home location- factors such as crime rate and home location could impact how much you spend on homeowners insurance.

Discounts- installing security systems could increase your chances of receiving a discount.

Use one company- when you use one company for all of your insurance needs, you often are discounted as a valued customer.

Replacement costs- your house should be insured based on its replacement cost rather than its market value.

Deductible costs- based on personal preferences, weigh the pros and cons for choosing a higher or lower deductible.

Know your home- know the history of the home and any previous damages, such as fires and water damage.

Insure home upgrades- insure your home improvements in order to receive an accurate quote.

Know your coverage- be mindful of what is and isn’t covered, and ask your insurer if you have any questions.

7 Types of Auto Insurance Coverage

Everything You Need To Know About Massachusetts Motorcycle Insurance Coverage

When you insure an automobile, you generally insure yourself and your passengers in addition to any drivers and passengers that you could be involved in an accident with. Motorcycle insurance doesn’t  work this way. With Massachusetts motorcycle insurance, your own personal protection, the protection of your passengers, and the protection of others may all be separate types of coverage with different coverage limits. Motorcycles are often driven solo and the people most often injured by a motorcycle collision is the driver itself; this is why coverage is different with a motorcycle compared to an automobile. The standard motorcycle policy is not going to include injury coverage to the driver or the passenger.

There are four types of additional insurance that can usually be added onto a standard package:

• Personal insurance. This covers you, the motorcycle operator, if you are injured. This is understandably often the most expensive addition to a motorcycle insurance policy.
• Guest passenger insurance. This covers any passengers that you may have on the motorcycle during an accident. If you never have passengers, it may be unnecessary.
• Comprehensive insurance. This covers things that may happen to your motorcycle outside of an accident, such as theft or vandalism.
• Layup insurance. This is actually an add-on to a policy that can reduce your insurance when your motorcycle is not in use.

What Controls Your Motorcycle Premium?

Like auto insurance, your motorcycle premium is controlled by a lot of factors. Your driving history is an important one, as is your past claims history. Your motorcycle insurance company will look at how long you’ve driven a motorcycle, whether you’ve completed a training course, and the cost of your motorcycle to replace. They will also look at the type of motorcycle you’re driving and the amount of power it has; a sport bike is going to be insured at a different rate from a touring bike. Finally, your location also becomes very important — in particular, the general crime rate in your area may be applicable. Motorcycle insurance can be bundled with other types of insurance to save money, and there can also be some other discounts available such as student and military benefits.

It’s very easy to end up under-insured when it comes to Massachusetts motorcycle insurance. If you want to make sure that you have the coverage you really need, talking to an agent directly can help.  Contact us today for a free consultation!

Boat Insurance (what you need to know)

Summer and the sea go together like salt and pepper, and boating is by far one of the best ways to enjoy this winning combination. To get the most out of your summer boating experiences you’ll want to make sure your vessel is clean, properly equipped and in good mechanical condition, waxed and sealed and, last but not least, insured. Boat insurance protects not just your boat, but also you and everyone else you take out onto the water. Yes– you’re not just making sure all the time and money you spent on your boat doesn’t go to waste. You’re also protecting your friends and family, and with the average boat costing a dollar or less a day to insure, this is more than worth the price.

Of course, like all forms of insurance there are different coverage amounts to choose from. We are more than happy to talk with you in detail about your boat insurance options, but in the meantime you should consider the following to get a better idea of what you’re looking for:

Liability and Medical Coverage

Never underestimate the importance of liability coverage in a policy. This will cover you in the event of an accident that is your fault or in other situations where you may cause damage. You will also want to make sure your policy had medical coverage, in case you or any passengers are injured (regardless of who is at fault). You should also consider the fact that many other boaters may not have insurance, in which case it is wise to also get Uninsured / Under-insured Watercraft Bodily Injury coverage to protect yourself in case one of them is at fault.

Agreed Boat Value and Personal Effects

Just like cars, the value of a boat generally goes down with time (though of course various other elements factor in, like equipment updates, maintenance, etc.) If you get a cash value policy, it can therefore be difficult to replace the entire boat. If your boat is lost, stolen or destroyed, you’ll get the amount you insured it for, minus any deductible of course. Likewise, if you are storing any valuable personal effects on board you’ll also want to make sure these are covered as this will not be included in the agreed boat value. Getting additional Unattached Equipment Coverage will also cover any related boating items (safety equipment, water skis, oars etc.) that are not necessarily attached to your boat.

Emergency Assistance

Just as it suggests, this covers any necessary emergency assistance services (towing, gas delivery, etc.).

Wreckage Removal / Fuel Spill Cleanup

In the event that your boat is wrecked, you are responsible for its cleanup. And yes, this includes any fuel spills that may have occurred. Such cleanup can be very costly in addition to time consuming, so it is wise to make sure your boat insurance covers this as well.

Boating Area / Navigational Range

Where do you plan on taking your boat? How far out into the ocean will you go? Most insurance policies do not automatically guarantee you’ll be covered everywhere on the water, so make sure yours covers wherever you plan on going (you can always add additional coverage later).

Contact us today to learn more.

Have You Reviewed Your Insurance Policies Recently?

In a world of “save 15% or more” advertisements, people often buy into the idea that they really are saving X percent. The assumption is that the quote is comparing apples to apples, when in reality these ads can be misleading, because these insurance policies are often different than your existing plan.

Whether it be auto, homeowners, or any other insurance plan, it is important to know what coverages you need and what insurance policies you have. At Barrows, we believe in a very customer-centric approach. We believe that it is our responsibility to educate our customers on what coverages are best for their unique situations and help them to make informed decisions on protecting themselves.

In the event that you need to make a claim, you want to know that you are going to be covered and be compensated on the claim. Choosing the right coverages is key to making this happen.

At Barrows, our approach is rather straight forward. We look at your life situations, what coverages you need, how much coverage you need, and how much you feel is appropriate, based on how risk averse you are individually (because everyone is different). Then we make a recommendation and explain to you the coverages included with that recommendation.

In addition to having the right coverage when you purchase a policy, it is also important to update your policy as life changes. Perhaps you find out you are pregnant and you need additional health insurance or that your child is getting married and no longer needs to be on your auto policy. As our lives change, so does the context of our insurance policies. You may be paying for insurance that you no longer need.

If it has been 6 months to a year since you have discussed your coverages with your insurance agent or you aren’t sure in what areas you are covered, perhaps it is time to make the call. After all, having the right coverages can save you a lot of money.

Finally, we enjoy being a resource for our customers. At Barrows Insurance Agency, we take pride in providing value and making sure our customers are happy. If you have any questions about your policy and what coverages you have, don’t hesitate to call in and ask or send us a message.

The 10 Most Common Small Business Insurance Claims

Being the proprietor of a small business can be very rewarding, but it’s no secret that this position also comes with a wide variety of challenges. Along with working hard to maintain the business’ attraction to the public, customer service standards and general value, various unforeseen circumstances like fires, burglaries, water damage and more can heap a lot of extra stress on owners. Getting properly insured can help alleviate this, but to better understand what you’re up against keep reading below to become familiar with what kind of insurance hazards business owners can find themselves up against. According to InsuranceJournal.com, these are the 10 most common small business insurance claims filed:

1. Theft and Burglary

Burglary and theft claims account for about 20 percent of those filed annually by small businesses. These claims may include not only lost products and merchandise but also damage caused by a break in.

2. Water Damage

Nobody wants a flood, pipe breakage or rain intrusion to interrupt their business, but unfortunately it does happen and the damage can be long lasting. Interestingly enough, water damage claims may also include damage caused by ice and freezing temperatures. About 15 percent of annual small business claims are for water damage.

3. Wind and Hail Damage

Mother nature does not discriminate when it comes to who the elements affect, and small businesses are no exception. Like water damage, wind and hail damage claims account for about 15 percent of small business claims each year.

4. Fire Damage

A fire is one of the most feared situations by business proprietors, and perhaps with good reason. Not only can fires completely devastate a building and therefore a business, but they account for about 10 percent of annual small business claims.

5. Customer Slips / Falls

Nobody wants someone to become injured on their property, but it does happen, and that’s why insurance is so important. A surprising 10 percent of annual insurance claims filed by small businesses involve a customer slipping and falling on their premises.

6. Customer Injury

Going along with the above, customers can become injured in a variety of other ways as well, many times unforeseen. About 5 percent of annual claims are for a customer becoming injured or experiencing damage on a business owner’s property.

7. Struck By An Object

This is exactly what it sounds like. Whether it’s an employee or a customer who is unwittingly struck by a stray object, having insurance will help greatly with the less than 5 percent of these claims filed each year.

8. Product Liability

Sometimes products don’t function as they should, and people do file suit as a result. Less than 5 percent of annual claims are for product liability.

9. Reputational Injury / Harm

When running a small business, reputation is everything. Even if it’s someone else saying that you damaged theirs, protect yourself from feeling the blow with insurance. These claims are less than 5 percent of those filed annually.

10. Vehicle Accident

Transportation is vital for many businesses, and less than 5 percent of small business claims each year involve a vehicular accident. Get insurance to prevent a traffic accident from ruining your business.

5 Must-Know Tips For Purchasing Homeowners Insurance

Purchasing homeowners insurance can be a real challenge, especially for new home buyers.  So, here are our 5 tips for understanding what type of homeowners insurance fits your needs.

1. Get Smart About Insurance Payments

Talk to your policy provider about a payment plan that works best for your budget. Also, attaching insurance payments onto your regular mortgage payments is a good way to make things more manageable. In fact, many mortgage lenders actually prefer this.

2. Take Extra Measures to Protect Yourself

You can actually get policy discounts and therefore save on insurance costs by taking additional steps like installing fire detectors, making sure your heating system is current and fully functional, updating your electrical wiring, using dead bolts, installing a home security system and just generally making sure your home is well maintained. If you happen to live in close proximity to a fire station or police department, you may be eligible for further savings.

3. Determine the Coverage Type You Need

You can save yourself a lot of time purchasing homeowners insurance by first figuring out the type of coverage that best suits your needs. There are several different types of homeowners insurance coverage, the most common of which are:

HO-2 — This is a general-yet-detailed policy that covers a list of 16 named perils (usually including but not limited to the house itself, personal possessions and liability insurance).

HO-3 — This very common policy will cover any perils save for those that are specifically on the excluded list.

HO-5 — Essentially the premium version of the HO-3. This policy covers most perils except for those listed as excluded, but it is meant for newer, often more expensive homes (owners of older homes should see HO-8).

HO-6 — This policy is specifically meant for those living in condominiums and/or co-op residential buildings. While actual insurance will be through the homeowners association (HOA), this policy will include damage repair and personal possession coverage, as well as liability coverage.

HO-7 — Intended for mobile homes, this policy will cover any perils except for those named as being excluded.

HO-8 — This policy is designed for older homes, but it only covers the cost (monetary value) of the home. The reason behind this is that it is often harder to do repairs and replacements in older buildings.

For the most part, your insurance agent will make a determination on what type of insurance you need, but it still helps to know what is going into you insurance quote.

4. Know Your Policy Value

Know what kind of coverage amount (the monetary value) you’re looking at. This can be determined by estimating the value of your home in addition to how much various repairs will cost. Enlisting the help of a professional home builder, appraiser or insurance assessment company will greatly help in this area.

Keep in mind that the replacement cost on the home is almost always less than the pricetag of your house, because the replacement cost doesn’t include the land, which is a large part of the cost of buying a home.

5. Inventory Your Belongings

Going along with the above, it’s a good idea to make a list of your possessions (valuables) and their cost. If you’re like most people, you have some thousands of dollars worth of belongings that you would want to replace or receive compensation for should they be lost. After all, purchasing homeowners insurance is usually about more than just the building. If you can’t remember the cost and lack the receipts or other records, a professional appraiser can also help with this task.

Accident Forgiveness

Everyone has heard the commercials — Accident Forgiveness is a hot topic. Here is a great explanation of how it works: http://ow.ly/DYj0M

Read Your Insurance Definitions Regarding Snow Damage

Read Your Insurance Definitions to Know When Snow Damage is Covered http://ow.ly/FJnvK

Steering Clear of Car Insurance Scams

Steering Clear of Car Insurance Scams http://ow.ly/EMWCt

Holiday Hazards: How to Avoid Insurance

Holiday Hazards: How to Avoid Insurance Claims http://ow.ly/2Rw843

Buyer Beware - Purchasing Insurance Online... Trick or Treat?

Happy Halloween everyone, I love this time of year! Don’t listen to anyone that says “you are too old for Halloween”. If you think dressing up for Halloween at the age of 31 is wrong, then I don’t want to be right, I think Luther Ingram said that. [tap on the shoulder, he said if loving you is wrong] well whatever you know what I mean! My wife and I are going to be a hot couple (per usual) but this time we get to be…wait for it

Hot Right!?! That is Ragnar and Lagitha from Vikings on History, great show…Where are you going with this Colby? Don’t rush me I am staring at Ragnar..>Wait What?

OK on to the real reason I started this blog, thanks for putting up with my…I mean look at him just evokes power…[ok, youre creeping me out] I received an email from the MAIA, (Massachusetts Associations of Insurance Agents) they send weekly updates of what is going on in the state, a newsletter of sorts. This particular email had to deal with a lawsuit that is currenly pending in Massachusetts

Last week, the U.S. District Court, District Court of Massachusetts handed down a

Memorandum and Order on Motions for Summary Judgment made by Progressive

Direct Insurance Company in lawsuits brought by Wanda Estrada, Walter Estrada,

J.E., Natalie Estrada, Carmen Badillo, and Jose Burgos, individually and on behalf of

all other persons similarly situated, alleging unfair and deceptive practices in the

online sale of automobile insurance policies. The plaintiffs purchased automobile

insurance from Progressive Direct Insurance Company and claim they were denied

personal injury protection (PIP) benefits after they were involved in automobile

accidents because they purchased insurance policies with an $8,000 PIP

deductible. The plaintiffs brought suit against Progressive, contending that they

only purchased policies with a deductible because of Progressive‘s unfair and

deceptive practices. The complaint alleges violations of M.G.L. c. 93A, 176D, and

175. If you want to read the whole Lawsuit here is the link www.massagent.com/info/maoctober302014.pdf#1

This post is not about bashing Progressive (we sell Progressive they are a great company), this is about buying something online when you haven’t done your research or asked a professional. Why would you buy something online if you don’t know everything about it? Especially something as important as Insurance (of any kind). In this particular case they purchased the insurance online, the PIP coverage had a limit of $8000 with a  deductible of $8000. That coverage probably cost $13, (trick or treat?) Its a trick because they didn’t have any coverage for the $13 they spent! Here is the full definition of PIP coverage (starts on page five) http://www.prac.com/public/Plymouthrock/staticfiles/PDF/8thEdition-sm.pdf

If you are buying online to save money, you will lose service. Never sacrifice one for the other. Call me or call another local agent, we are trained to make sure you are getting the right coverage at the right price. Now if you will excuse me I have to go make my costume. Sing it Luther!

Author: Colby Barrows

Welcome to My Blog - First and Last Propaganda Piece

Thanks for stopping by my blog. My name is Colby Barrows, I work for Barrows Insurance Agency in Mansfield MA. The business was started by my Grandmother Janice Barrows over 30 years ago. She started the business out of her home with the simple concept of – Providing customers the insurance coverage they needed while giving them the service they wanted.   We provide insurance coverage for anything from daily commuter cars to exotic collectables, starter homes to mansions, lemonade stands to corporations. We have a rate for anything you wish to insure, well almost anything. With that being said, I need to say, I didn’t create this blog to sell you anything. I created this blog to teach you about the insurance industry from the perspective of an agent. I have been an agent for over 10 years, I try to learn something new everyday with the goal of providing my clients with the best advice I can give them.  My hope is to educate the public about the in’s and outs of insurance and how it impacts your daily life. In my 10 years I have probably heard most questions twice but insurance is all encompassing so I know with out a doubt I haven’t heard it all, I doubt anyone has. So ends my propaganda piece…

Someone once said a story without conflict is just propaganda. So every commercial you see on TV hear on the Radio or read on the Internet is just propaganda. Of course it is, why would anyone advertise their product that way? Marketers want to  portray their product as being the end all be all greatest out there, that’s marketing 101, first day stuff…So I ask where does that leave you?

I’ll tell you where, right where you are. Sitting in your underwear scouring the internet reading reviews to make sure the BS they are pedaling is the actual truth; will that Rogaine really grow your hair back to the way it was at junior prom? probably not, but why not check out what people who have used it are saying? The internet is full of crash test dummies that buy everything huge companies are feeding them. We the public then get to go online and read what these people have to say. Its like going to the zoo and watching the zoo keeper feed the monkeys.  If companies told you the good and bad about their product you wouldn’t have to research it. That’s what I am here to do, tell you about the good and bad. I deal with insurance everyday and unless you sell it too then I think it is safe to say I hate it more than you do. Lets face it, insurance sucks no one likes it. Flo is lying to you when she says she loves it. She just loves that you need it and they have (Progressive) a large enough marketing budget to cram it down your throat.

That’s all I have for now, but check back later. Maybe my next post will be about the insurance lawyer who made my life a living hell for a week or maybe I will explain what accident forgiveness really is. You never know, what you should know is I tell it how it is and wont pull any punches. Thanks for reading!

Colby Barrows