In-Person Service Update

Compliance Insurance values your business very much. Currently, for the safety of our customers and staff, we are asking that all face to face customer interactions at our office be done by appointment only. We are still available by phone and email as normal but please, for now, contact us for an appointment if you need to stop by our office in person. Thank you!

Covid 19 Update – Our Office is Open!

Our office in Middleton is now back open to customers from 8:30am to 4:30pm, Monday through Friday.  If you are stopping in the office for service, we are currently asking everyone to wear a mask and to keep the number of people entering the office with you to a minimum. Thank you in advance!

Covid-19 Service Update

Compliance Insurance values your business very much and is currently open with our regular hours. However, out of concern for the safety of our customers and staff we have suspended all face to face customer interaction except by appointment only. We are still available by phone and email as normal but please, for now, contact us for an appointment if you need to stop by our office in person. Best wishes to all.

How To Get Insurance With a Bad Driving Record?

Insurance companies like to do business with people that have good driving records because they have determined those people are less likely to get into an accident.  If you have a not so great driving record with tickets or accidents, the best way to find car insurance is to use a local Madison Wisconsin independent insurance agency that works with many high-risk insurance companies.  

If you have a bad driving record some insurance companies can be a bit difficult to work with but that does not mean you are excluded from getting auto insurance. 

You Are Not Alone

Thousands of people each year have auto accidents or other events that add points to their license. It is estimated that every driver will report an accident at least once over a 17 year period. Working with an agent can help you to find insurance that you can afford.

Insurance companies will charge a higher premium if you have violations or tickets on your driving record or if you have had an accident in the last five years. This is why it is very important to have an insurance agent on your side. An agent will know about available discounts and which insurance companies offer friendlier terms for people with some driving record issues.

The CLUE System

Every month insurance companies report to a single database called CLUE about all claims activity.  If you have been in an accident the insurance companies will know it because they check the CLUE reports when issuing a policy.  Omitting information on a quote application will result in an incorrect rate that will be updated once the actual information is applied to the policy.       

Additionally, DUI or OWI offenses along with all other tickets and violations are registered under your driver’s license.  Every insurance company does a motor vehicle check when issuing policies as well. The best way to go about things is to be honest about your situation and work with an agent.

You Can Get Insurance

No matter what your situation is you can get auto insurance.   You may have to pay more at first but the premium will drop over time.  As your tickets or accidents become older and drop outside three and five years old, your rates will go down accordingly.  Contact your local independent insurance agent to find a plan that will work for you.

Common Winter Claims For Homeowners Insurance

The weather outside is frightful and it can cause a lot of problems for homeowners. Snow, wind, sleet, and freezing temperatures can seriously damage your property if you are not prepared for it.

Here are some of the most common claims that homeowners file during the winter season so you can be on the lookout.  

  1. Burst water pipes. Burst pipes are a very common problem, especially during the winter months. It’s crucial to insulate your pipes and to keep your home warm to prevent them from freezing. A burst water pipe could not only cause issues for your plumbing system but also cause water damage to other parts of your house. Your homeowner’s insurance policy may cover the cost of broken pipes if they end up freezing during the winter and you can prove that your pipes were properly insulated.
  2. House fires. House fires occur the most during the winter months because more people are using portable heaters and turning lights on for longer periods of time. However, many fires also occur when holiday decorations come into contact with lit candles or an outlet. Never leave a space heater or candle unsupervised and keep your holiday decorations away from anything that could start a fire.
  3. Fallen tree branches. Winter weather can easily cause tree branches to end up where they shouldn’t be. Branches can break off under heavy snow and fierce winds. Unfortunately, if your home is in the trajectory of the branch, it could lead to roof damage, broken windows, or damaged siding. 

For all claims you are required to do what is necessary to prevent further damage to the property but wait to have full repairs done until an insurance adjuster is able to inspect all of the damage.

It’s no secret that homeowners insurance is vital to protecting your home and family. In fact, one in every 50 insured homes files a property damage claim related to wind and hail every year. That being said, if you don’t have homeowners insurance yet, it’s recommended to find an insurance company you trust.

Looking for homeowner’s insurance?

Whether you need homeowners insurance, renters insurance, car insurance, ATV insurance, or motorcycle insurance, Compliance Insurance has the insurance coverage for you. For more information about our homeowners insurance policies, contact Compliance Insurance today.

All About SR-22: How A Local High-Risk Insurance Agency Can Help

SR-22 is basically proof of insurance for your state’s motor vehicle department.  It puts you in a high-risk insurance category by most insurance companies. A local insurance agency that specializes in high-risk insurance can prepare the form that you need to prove to the state agency that you have insurance.

Not every motorist is required to obtain an SR-22 form. Typically there are three situations that may require that you have this type of insurance proof on file.

When Do You Need SR-22 Insurance?

There are certain situations that will warrant having SR-22 insurance.  These are the likely scenarios that will require this additional proof:

  • You have been arrested for a DWI or a DUI
  • You have been in an accident and did not have insurance coverage in force
  • A judge or the Department of Motor Vehicles has ordered it for another reason. For example, if you have been involved in a reckless endangerment incident with your automobile or there are some other extenuating circumstances, this might be the case for you.

A lot of people think that once they are convicted of a DUI or DWI,  they can kiss the possibility of getting auto insurance goodbye. But the fact is you will still be able to get coverage.

There is Help Available

A local high-risk insurance agency can help you to get the coverage that you need in all types of situations. Finding the right solution is easy when you have a team of insurance professionals on your side. The right local insurance agency has options, many with multiple insurance companies, waiting for you that will help keep you in compliance and get you back on the road.

What You Need To Know About Boat Insurance

An insurance policy for your boat is a great way to protect your investment.  Boat insurance helps to protect your boat from numerous risks, such as theft, vandalism damage, and collision. 

Everyone can agree that many vessels are not cheap and can be a large investment. Boat insurance helps to protect your investment.

The Argument for Boat Insurance

Today, there are insurance plans available for just about everything that you own. Some insurance is mandatory like Madison Wisconsin car insurance.  Other insurance is not mandatory but strongly suggested like renter’s insurance which more and more people are opting for (between 2011 and 2016 12% more policies were issued).

Boat insurance in Madison Wisconsin is not required by law but it is insurance you should seriously consider. There are plenty of risks out on the water, and while your boat is docked that insurance can help to mitigate.

You would not drive your car without auto insurance because of the potential dangers, why would you drive your boat without insurance? Most people think it is safer on the water than it is on the street but the fact is boating can be just as dangerous as driving a car. Consider the following:

  • According to the United States Coast Guard, recreational boating accidents in 2017 resulted in over 600 deaths.
  • In 2017 4,000 recreational boating accidents in the US were recorded many of them while docking the boat, totaling over $46 million in reported damages.
  • Most accidents occur according to the US Coast Guard on vessels that are less than 21 feet.

What happens to the boats that are not insured after an accident? The owner has to make some tough decisions about whether or not repairing the boat is something they can afford. They also have to absorb the costs of any liability or damages to other people’s property that may have occurred.

Without boat insurance after an accident, you may be left high and dry and faced with a tremendous amount of financial loss. Insuring your boat will ensure that you are covered against financial losses after an accident.

Protect Your Investment

This type of insurance not only protects your investment after an accident but it can also protect your investment after vandalism, theft, fire, and more. Learn more about insurance for your boat from a trusted insurance agent.

Types of Insurance Policies and Why We Need Them

Why Insurance is Our Life Jacket

Insurance is our safety net when preparing for tragedies that might come our way. Without these policies, we may end up drowning in a sea of debt. However, something that is so crucial to our well being can be quite complicated to understand. With so many types of policies, from auto insurance to renters insurance, how do we know which plan best suits our needs? Well, let’s break it down and simplify all the fine details so we have a better understanding of the policies that may be available to you — and why you might need them.

Auto Insurance

An automobile driver will have an accident claim once every 17.9 years on average. There are several options when it comes to selecting your auto insurance policy that proves affordable while providing the protection you need when you have a fender bender or vehicle theft or injury from an accident.

The level of coverage you select for your auto insurance will determine your monthly rate. The higher the out-of-pocket expense (known as the deductible), the less you will pay for your monthly rate (or premiums). If you choose to select a lesser deductible then you will have higher monthly rates.  Some other factors that are part of determining your rate/premiums are your driving record, insurance score, years of driving experience and where you live.  

A local insurance agency will be able to assist you with picking the best plan for you and your family. Every state has different laws that pertain to driving any motorized vehicle and they will be able to walk you through the process. Other details that will be important to you and the insurance agent is if an Sr-22 form is required and proof of insurance coverage maintained for the past several years. These two items are relevant when determining how to locate the lowest rate to fit your financial budget.

Home or Renter’s Insurance

If you own your home or are in the process of buying a new place of residence, then homeowners insurance should be at the top of your list. This policy will cover costs when damage is caused to your property. Whether it be fire or tornadoes, your policy is intended to repair or replace the damage that has been done.  Homeowners coverage can be complicated, be sure to read the policy terms carefully and purchase additional coverage options when necessary. Speak to your agent about the various options available. Again, your rate will be determined by the level of insurance coverage you purchase and what exactly you decide to have placed under the policy.

If you don’t own a home, consider Renters insurance.  There are various levels of coverage to protect you and your family’s personal property.  Break-ins, theft, and fire or wind damage to your property are always a possibility. Give some serious thought to speaking to your agent about Renters insurance.  Prices for these types of policies are usually quite inexpensive.

High-Risk Insurance

If you have had accidents, tickets, or past issues in finding a lower-cost car or home insurance rates, you might want to consider a high-risk insurance agency.  This type of agency has multiple companies that specialize in customers that may have been denied coverage from other companies and may have a claim history or driving history that cause high rates.  Once you have been successfully without incident for a length of time, they can transition you to more preferred insurance companies and your options will expand. Keep in mind as you search through the internet seeking policy protection that you do have options and don’t settle.

Now that we have simplified the confusion, what steps do we take next? Contact local insurance agencies to learn your options.  Don’t settle just because your driving record may not appear to be the prettiest, try a high risk agency that can check for multiple options.    

If a Natural Disaster Strikes Are You Protected? Renters Insurance Protects!

Here is an eye-opening fact for a lot of tenants, your landlord’s insurance in Madison, Wisconsin will not protect your items in the case of tornado, fire, vandalism or burglary. If you are a tenant, you need renter’s insurance to protect your personal property.

As a tenant, it is considered your responsibility to have a renter’s insurance policy that covers your possessions, your landlord does not cover them.  Many property management companies and even some private owners require proof of insurance to show that you have secured a renters insurance plan before you can move into your new apartment or home.  The good news is these plans are relatively inexpensive so they are affordable.

A lot of renters are starting to understand the importance of renters insurance.  From 2011-2016 the number of renters with insurance increased from 29% to 41% but that still leaves over half of renters without coverage.

What if You Are Displaced?

What if a storm strikes and leaves the property you are renting uninhabitable during repairs? What are your options? Many renter’s policies include coverage for temporary housing costs for the time the property you are renting is uninhabitable. 

Without coverage you will have to absorb all these costs on your own and figure out how to replace all your possessions that were lost as well. The costs can start to ring up and get out of control rather quickly.

Affordable Peace of Mind

With the right policy you can worry less about “what if’s” and enjoy the protection you deserve. Renters insurance in Madison Wisconsin from a trusted insurance agency will deliver the peace of mind knowing you are protected with a plan that fits your budget perfectly.  If you have questions, feel free to contact us today.

New to High Risk Insurance? Learn More Here

If you’re in the market for auto insurance, there are a number of factors that can lead to you paying more to keep your car on the road. Today, we’ll spend some time discussing high risk insurance, the factors that are in play with higher premiums, and how checking with a high risk agency, safe driving and a little patience can help get your rates back down again.

What is High Risk Insurance?

High risk insurance is a description used for drivers who meet any one of a number of conditions that the insurance companies deem as making them riskier to keep covered on the road.  We’ll discuss the factors in play that make a high risk driver below. 

What Determines a High Risk Driver?

DUI or OWI Offense If you have been ticketed for Driving Under the Influence(DUI) or Operating While Under the Influence(OWI), you most likely will need to carry an SR-22 form on your insurance in order to continue to drive.  Most will be required to keep the SR-22 on file with the DMV from 6 months to 5 years.

Young/First Time Driver Young drivers, typically aged 16-27, are statistically at a higher risk for auto accidents, which translates to a higher bill. The same is true of late-in-life drivers who are getting their license for the first time. While there’s nothing to do but put time under your belt as a driver, it’s worth talking to your insurance company to see whether this would still be the case if you were eligible to be added to someone’s existing policy.

Lapse in Insurance Coverage Whether you dropped your insurance because you were not driving or because you had to retool your finances, any lapse in coverage will find you paying higher premiums when you begin looking to get insured again. If you find yourself in this situation, don’t worry.  After a period of driving without incident, typically between 6-12 months, you should be able to re-quote your policy for a possible lower price. 

Poor Credit This risk factor is one that can be a nasty surprise for drivers who are looking for auto coverage, regardless of driving record. While the logic might be hard to follow, for some providers, an insurance score based on credit acts as shorthand for the insurance company being able to estimate the responsibility of its drivers.

Driving & Claims History Insurance companies look at driving history for your past three to five years.  Any tickets, including minor traffic violations, and any claims, even those where you are not-at-fault, can affect your rate.  As they fall outside the three and five year windows, your policy premiums will decrease accordingly. 

How Can I Work to Lower My Rate?

There are insurance companies and agencies such as Compliance Insurance that specialize in high risk drivers that can have much lower rates versus the more preferred carriers.  Talk to an agent about what your period of high risk coverage will look like, and see if there are ways you can save.

For most of the risk factors, their effect lowers over time.  As tickets or accidents become older, as credit improves and as young drivers gain more experience, rates come down.   

While the prospect of paying higher premiums can be daunting, it’s important to remember the risk of getting into an accident uninsured. Having high risk insurance can mean the difference between paying a little extra from month to month or paying for damages out of pocket for years if you hurt someone and have no insurance.  Still have questions? Talk to your insurance agent or call Compliance Insurance today.