Page 8 THE VILLADOM TIMES I • July 29, 2009 Area Uncovering five common car insurance myths Many drivers purchase car insurance without really understanding what they are buying. “In the rush to feel ‘covered,’ drivers can skip the details,” according to Jeffrey Allen, SPIA, ACSR, with Allen & Allen Insurance, based in Franklin Lakes. “That can lead to frustration.” Allen has uncovered five of the most common car insurance myths and discusses the realities behind them below: Myth: I bought “full coverage,” so everything is paid for. Reality: There is no such thing as “full coverage.” In most states, only liability insurance is mandatory. There are a lot of other coverage options, so select what you need and can afford based on your personal situation. Myth: I need three estimates before my wrecked vehicle can be repaired. Reality: Not necessarily. Very few insurers require this, although some might. If you decide to use a shop that is an insurance company’s “network” of pre-approved shops, you may just have to get an estimate from that shop. Myth: My insurance premium always increases if I am in an accident. Reality: Your rate can increase, decrease, or stay the same. The information about the accident is combined with other information about you, your car, and your driving history to determine your rate. Myth: If I lend my car to someone who then has an accident, I’m covered. Reality: If you or your friend do not have optional physical damage coverage, damage to your vehicle generally will not be covered. Myth: If I buy a new car, my auto insurance company automatically knows, and my new car is covered. Reality: Most insurance companies require you to notify them or your agent within a specified number of days. Generally, you have 30 days to add the new vehicle to your policy. “Insurance can be complicated,” Allen added. “It’s not something people deal with every day, but your local independent insurance agent can help you stay informed so that you can make more informed decisions.” Allen & Allen, in business since 1923, is located at 801 Franklin Avenue, Franklin Lakes. Independent agent Jeffrey Allen is available to answer questions regarding your personal situation. He is available at (201) 891-8790 and at Triple Crown winners The Wyckoff U10 Travel Baseball Team recently won the July 4 Classic Triple Crown Baseball Tournament. Wyckoff was the only town-based team, and competed against club teams whose players represented the entire tri-state area. Front row: Michael R., Michael K., Josh S., Dan D. and Pete G. Second row: Evan M., Jack S., Andrew R., Ryan C., Kyle R. and Jack R. Third row: Jacob U., Coach Unger, Sean C., Coach Runge, Coach Rice, and Coach Rozman. �������������� ��������������� ������������ ����������������������� �� ���� �������� ������� Summer Home Improvement Guide In The Villadom TIMES Summer Home Improvement Guide, you’ll reach thousands of potential clients. Show them what you’ve got! Call The Villadom TIMES to place your advertisement in this special section. ����������� � ������ �������������� ® ��������������������� ��������������� ������������ AUGUST Publication Date: Advertising Deadline: 201-652-0744 5 JULY 29 ����������������������������������������������������������� ������������������������������������������������������ Membership is open to all. For individuals and families in need, contact John Duke ext 337 for confidential assistance information and application. ������������ In The Villadom TIMES, you will reach 56,300 households right in your own back yard. ZONE 1: ZONE 2: ZONE 3: Franklin Lakes, Wyckoff, Midland Park Glen Rock, Ridgewood Allendale, Ho-Ho-Kus, Waldwick, Saddle River, Upper Saddle River, Ramsey, Mahwah YOUR NEIGHBORHOOD NEWSPAPER ZONE 4: