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Personal Insurance Protection: Why You Need the Coverage

Personal Insurance Protection is often called PIP in the insurance industry. It is part of an auto policy that pays for medical and rehabilitation bills - and in some instance, loss of wages and other related costs -...

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Fun Facts about Travel and the Travel Industry

A PRIME Insurance Special Feature 11 Travel-Related Facts to Ponder - More than 74 million employees in the US have jobs related to travel and tourism. As per air travel personnel protocol, the pilot and co-pilot...

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How to Do Your Part to Clean Up the Environment

A Prime Insurance Green-Earth Focus - Climate change, Carbon emissions – these are the issues at hand for environmentalists and anyone part of the globe. With hurricanes, tornadoes, floods, other severe weather...

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How NJ is Working towards Ride-Share Passenger Safety

Sami Josephson was a young college student just a few months away from graduating college when she mistakenly entered a car she thought was the Uber ride she had ordered. Tragically, Sami’s lifeless body was found...

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When Someone Borrowing Your Car Causes the Accident

My friend sighed as he related how he had lent his car to a cousin. Shortly thereafter, the cousin called him about an accident he had caused that had left the car with damages. The towing company needed to speak...

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Moving - Storage Company: How Insurance can protect from Liability

Moving and/or storing other people’s belongings: that’s risky business! Liable for customers’ personal and business furniture, appliances, equipment and more, a professional Moving or Storage company is responsible...

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What Insurance Policies are Required Forms of Coverage?

Since modern times, property insurance has been widely recognized as a protective measure for families, homes, property and businesses. By definition, insurance is an agreement between one party and the insuring...

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How to Change a Tire that becomes Flat While on the Road

It’s a driver’s nightmare: you’re driving and your vehicle starts bumping as if you’re on a collision course that’s full of potholes. Potholes don’t seem to be the problem here. You rightfully suspect a flat tire......

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When Insurance Covers an Auto-Bike Accident

Spring and summer’s irresistible pull to the great outdoors includes bicyclists. The added traffic strain on the roads, however, places drivers of all types of vehicles at risk of a related accident. MORE: when the...

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Fun Facts about Reasons for Insurance Claims

Of course there’s nothing funny about accidents, injury, damages or insurance fraud, but get a load of these outrageous details mentioned on insurance claims and join the professionals in a good laugh at the crazy...

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How to Get a Better Insurance Rate for your Teen Driver

Let’s face it. When it comes to teen drivers, there’s a lot to be concerned about. At a higher accident rate than other age groups, insurance does get much more expensive. Traditionally, male teen drivers pay more...

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Eight Things Every Driver Should Know about Insurance

Carrying auto insurance for your vehicle is the law. If caught without it, you may be subject to a significant fine, a suspended license, all the financial consequences when you are involved in a collision and...

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Sand and Gravel Hauler: What Kind of Insurance?

So, you operate a trucking operation that hauls sand and gravel and aggregate or ore. In regard to insurance, the underwriters generally find it difficult to place the auto liability and physical damage coverage...

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When the Traffic Ticket will Raise Your Auto Insurance Premium

Bad enough that if you get a traffic summons, you end up paying a fine, but, depending on the offense, it will also result in a rise in your auto premium. So, pay attention, drivers. This is what you need to know in...

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How Insurance protects your Quick Lube or Auto Repair Business

Like the full-service auto repair shop, those in the Quick Lube or vehicle oil changing industry may include mechanics on staff to service customers’ basic mechanical or maintenance needs. Related insurance...

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5 Fun Facts about Women and Insurance

International Women’s Day celebrates the advancement and achievements of women around the globe. Women are spotlighted in every aspect of life – home, business, politics, and insurance protection. Prime Insurance...

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What Insurance for Auto, Truck Dealers or Renters?

Though essentially different in nature, the auto seller and renter both need insurance to protect them from management hazards, related safety liability, among other involved risks. The following serves as a quick...

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How to Proceed when Your Vehicle Runs out of Gas

A Guide from the Insurance Specialists - It’s never a good idea to drive when the gas meter says you’re running on low. Whatever the reason for negligence about this all-important aspect of driving, emergencies...

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How to Master the Art of Parallel Parking

If you are like many drivers, you are uncomfortable when it comes to parallel parking. But a little practice in an empty parking lot using cones or other place markers to create a mimicked parking situation can go a...

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The Staged Auto Crash: How to Recognize the Signs

The insurance industry is very vigilant about fraudulent claims. One of the most cunning examples of auto insurance claim fraud involves something known as a staged crash or collision where it is not just the...

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Fun Facts about ‘Emergency’ Calls

Here at Prime Insurance, we’re accustomed to getting emergency calls – whether it’s a homeowners’, auto, business, life, travel policy or other type of request for insurance information, related documents or submission...

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Fun Facts about Vehicle Drivers and Parking Meters

“I love parking meters,” said no one, I think. Despite its unpopularity, here’s the thing that brightens up the sore point about the parking meter. In the event you arrive after your paid time has expired and...

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Why Insurance Rates are rising for Female Teen Drivers

Though young female drivers are far less likely to be involved in hazardous driving than their male counterparts, something is taking place in various states across the United States to change the reflecting rate...

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Fun Facts about those Back-Seat Drivers

“You almost made me get into an accident! PLEASE stop being a BACKSEAT DRIVER!” I’d imagine that every driver out there can identify with the above statement. Backseat drivers are... I’ll let you fill in the dots....

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How Do I Make Sure My Child is Buckled Safely in the Car Seat?

On January 14, 2019, a Minnesota motorist’s video captured the heart-stopping episode: a car seat with a toddler strapped into it tumbled from a moving car. Miraculously, the child was uninjured and was saved from a...

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How to keep Safe when Driving during an Earthquake

If you’ve ever thought about earthquakes, you probably imagine yourself suddenly experiencing the floor shaking while you are at home or work. But there’s another scenario to consider. Can you imagine experiencing...

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Encouraging Insurance News for Furloughed Workers

Important Memo from Prime Insurance and Safeco - Prime Insurance has just received notice from the Safeco Insurance Company regarding the present US government shutdown. RELATED: Is there insurance protection for...

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Adult Child in a Parent’s Home: Will Insurance Cover?

Adult children living with their parents: it’s a trend taking place all over the country with the State of NJ ranking the highest percentage. If this living arrangement resonates in your residence, it’s wise to...

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How to Be Safe When Driving a Commercial Truck

Unsung heroes of modern commerce, truckers represent the backbone of industry as they transport merchandise as well as raw goods from one location to another. There’s no doubt that truck drivers face a multitude of...

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How to Drive Safely in Foggy Conditions

Tips from the Auto Insurance Specialists - Listed among some of the most risky driving weather conditions, fog presents undeniable visibility challenges. RELATED: how to drive in icy conditions The best possible...

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Will my Auto Insurance Rate Increase if I Drink and Drive?

- - The juncture around and on New Year’s Day is a good a date as any to analyze the effects of drunk driving on insurance rates – given the amount of partying and drinking going on – but the facts remain...

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How to Conduct the End-of-Year Auto Insurance Review

As we approach New Year’s Day, there’s something that the insurance professionals advise: use the juncture to review your insurance policies – including your auto coverage. Conducting an annual end-of-year...

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Eight Fun Facts about Happy Holiday Greetings

Holiday greetings and cards definitely have a special place in this season’s observances. As Prime Insurance delivers its own version of well-wishing, we focus on some interesting tidbits about the tradition. Holiday...

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Fun Facts about Bumper Stickers on Cars

Bumper stickers may seem like the ultimate way to getting a message across. After all, placing a sticker on a vehicle that travels from place to place certainly gives it multi-faceted exposure. Here are some fun...

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How to Handle an Earthquake Situation when in the Car

Earthquakes and resulting damages have been on record here in the United States since 1900. Being that the natural disaster can occur at any moment without warning, you may be anywhere – even in the car – when...

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Holiday Party Host: How to Protect Yourself from Liability

Holidays are a time of celebration. If you are planning to host a party in your home, there’s one thing besides the guest list, menu and entertainment that you need to be cognizant of. Keep in mind that you may be...

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How an Agency Helps to Save Money on Auto / Home Insurance

From the Recent Files of Prime Insurance - A NJ insurance client called the Prime office, requesting a quote for a new condo that she was purchasing. As is our standard practice, Rachel in the Personal Lines...

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Waste Disposal/Garbage Truck: How to Pay Less for Insurance

Garbage truck or waste disposal companies deal with the associated high risks. That’s why related insurance can be so expensive. One benefit of owning a company with a large fleet of trucks is the likelihood of...

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How to Buy License Plates for Your Car

A Guide from Prime Insurance - If you are relocating from one state to another, or have just bought a new or previously owned car, you will need to purchase license plates. Before going down to the Motor Vehicle...

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Insurance Matters When the Accident is a Hit and Run

Tell Andrew Sipowicz of Buffalo, NY about hit and run accidents and he’ll likely go on about it on a personal level, as broadcast on his twitter account. While surveying the damage done to his red 2012 Ford Mustang...

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When Fall’s Leaves Lead to Parking and Driving Danger

A Prime Insurance Auto-Risk Alert - As nature heralds the way to winter, the trees’ leaves lose color, wither and fall to the ground. When leaves are moistened by dew, rainfall or snow, they present hazardous...

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Insurance Know-How: The Main Ingredient to Precise Coverage

Homeowners Insurance by the Prime Experts - Here’s just a small anecdote that emphasizes Prime’s proficiency in insurance. A Jackson, NJ customer had a homeowners policy with one of the many insurance companies we do...

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How to Make an Insurance Customer Happy

PRIME Insurance: The Art of Customer Service - Prime Insurance does it again and again, making clients, satisfied customers. Below you’ll find a recent interactive email conversation between a homeowner’s...

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Which States Rank the Highest Premiums for Auto Insurance?

With the nation-wide average auto insurance premium per year at $1,365, it may be that everybody complains about high auto insurance premiums. Nonetheless, if you live in certain states, you may actually be paying...

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Does Spring’s Clock-Change affect Your Driving Skills?

Hello, fellow drivers, say the insurance companies as they warn about the possible negative effects of turning forward the clock. Turning the clock forward in the spring season means we are changing our bodies’...

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The How-to on Do-It-Yourself Auto Oil Change

Cars and regularly changing oil: ask any mechanic and you’ll be lectured how important it is to keep up the valuable form of maintenance. RELATED: 7 ways to keep your vehicle in shape If you’ve ever considered...

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Halloween Risk: How to Prevent Auto and Auto Part Theft

The frightening statistic is in, and it’s about real people, not ghosts and goblins. The National Insurance Crime Bureau’s recent study indicates that car thieves favor Halloween over any other public holiday: it’s...

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Does Marijuana Impair Your Driving Ability?

A PRIME Insurance Report - Will marijuana have an impact on your ability to drive safely? RELATED: insurance and recreational marijuana Impaired perception, motor coordination, attentiveness, and reduced...

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Car Buyers: How to Recognize the Signs of Flood-Damage

A Prime Insurance Special Hurricane Report - Hurricanes Irma, Harvey, Florence, Michael and others like them have severely impacted cars in the region. Experts define any vehicle that has suffered flooding above...

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Fun Facts about Drivers, Driving and Auto Insurance

10 Things You May Find Amusing about Getting Behind the Wheel - S Dakota law permits 14-year-old teenagers to drive a vehicle after passing their driving test. Drivers in Hungary need to take a first aid course...

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