Jan 2021 Insurance Newsletter

Please email me directly atexpertinsurancesolutions@gmail.comhitting reply will often not fwd to me, Thanks for your understanding.

~Alex Hastings~
Hastings Insurance Solutions LLC
641-494-9494 Cell
563-355-0262 Office
855-355-0262 Fax

http://www.HastingsInsuranceSolutions.com

ExpertInsuranceSolutions@gmail.com

Before You Buy Auto Insurance, Ask These 6 Questions

You need coverage for your car. How much coverage do you need, and what kind of insurance should you ask for? You should ask the questions below to help determine the best insurance coverage for you.

When?How many times a week and where do you drive your car? Your policy must be appropriate for the regular use of the vehicle.

What?What kind of vehicle do you drive? The make, year, model and purpose of your car affect the price of insurance. Some types of cars require unique policies, while others may be more suited to safety discounts due to their records or reputations.

Who?Are you the only one driving the car? What about family members? If you share the vehicle with anyone, including family, they'll need to be on your insurance policy.

Where?Do you park your vehicle at home, on the street or in a garage? Is the weather where you live sunny and calm or rainy and inclement? Think about potential damage and other risks when you choose your policy.

Why?What is your purpose for obtaining coverage? Is it to fulfill legal requirements? Do you have a lease that requires specific coverage? Do you want to keep your car in perfect condition?

How?How can you pay for auto insurance? Think about all the payment options. Consider a higher deductible to bring down your monthly payment.

Contact our office today to review your options and determine the best coverage for you, your financial situation and your vehicle.

Maple Cinnamon Apple Sweet Potatoes

Apples, sweet potatoes, maple syrup and warm spices are the perfect flavors to keep you cozy this winter. This super simple and hearty side dish is a breeze to prepare and will have your kitchen smelling oh so delicious!

Serves 6

• 2 large apples, diced medium
• 2 large sweet potatoes, diced medium
• 1 tablespoon olive oil
• 2 teaspoons ground cinnamon
• 1/2 teaspoon ground nutmeg
• 2 tablespoons pure maple syrup

Preheat oven to 400° F.

Combine the apples, sweet potatoes, olive oil, cinnamon and nutmeg in a large bowl.

Toss well to coat the apples and sweet potatoes with the oil and spices. On a large baking sheet, spread in an even layer.

Bake for 25 to 30 minutes or until the sweet potatoes and apples are tender.

Remove from oven and drizzle with maple syrup.

Serve hot.

11 Common Insurance Industry Terms Explained

Every industry has its own lingo. Do you know the language of insurance? Consumers often see common insurance terms, but many are unsure how to define them or what they mean.

The following are a few of the most common terms and definitions. Becoming familiar with these will help you navigate insurance purchases, questions and claims.

Actual cash value:Coverage equal to the value of your damaged property minus depreciation.

Adjuster:This person determines losses to resolve insurance claims.

Comprehensive coverage:This part of your auto insurance covers damage to your vehicle that is related to damage from events such as vandalism, theft and fire but is unrelated to collision.

Deductible:Your deductible is what you pay out of pocket before your policy begins to cover the rest of the claim. Higher deductibles mean lower premiums.

Depreciation:This is the decrease in value of your property because of wear and tear that usually occurs over time and through regular use.

Exclusion:Damage or acts that won't be covered under your insurance policy are in the exclusion.

Liability:If you become legally responsible for personal injury or damage to someone else's property, liability insurance will protect you from bearing the cost.

Premium:Paid annually, semiannually, or monthly, this is the amount you pay for your insurance policy.

Replacement value:Regardless of a damaged item's depreciated value, this coverage provides the money you need to replace damaged property with a new item.

Rider:This expands or limits the benefits of an insurance policy.

Underwriting:This is the process through which your insurance company reviews your policy application and sets the appropriate premium for coverage.

Here's How to Cultivate Your Creativity

January is International Creativity Month, a time we collectively acknowledge those who work in creative industries and how various creative infrastructures foster new ideas for the betterment of all. It's also a chance to ignite the latent creativity within. Here are few tips to help get that fire burning.

Before picking up a paintbrush or pencil, you may need to break out of a fixed pattern of not believing you're capable of creating in the first place. Replace closed-ended statements such as "I can't" or "I don't know" with "I have what it takes" and "There's always a way." These creative mantras will allow inspiration to bubble up to the surface naturally and spontaneously.

Finding a creative outlet may seem like a daunting task, but it's as simple as opening a box of crayons and sitting down with a coloring book. Give yourself permission to play rather than focusing on the discovery of talent or the pressure of the perfect end result. Enjoy the process of self-expression and its stress-relieving benefits. You may need to explore a few different techniques before you find one that suits you, so don't go overboard buying the latest kit or supplies.

Remember that creativity isn't confined to the fine arts. It can be anything that excites you, invigorates you or offers you a simple moment of joy. Beyond painting and writing, a whole world of creative pursuits exists. You could knit while watching old movies, get groovy during an online dance class or cook up a storm in the kitchen. Be kind to yourself when things don't go to plan. In the wise words of Bob Ross, celebrate the "happy little accidents" that occur as you navigate the lifelong journey of inspiration.