Collision vs. Comprehensive Coverage – What’s the difference?

As a car owner in Kansas, it is always important to protect your car in case of accidents, theft, vandalism, or natural disasters. Insurance policies can be confusing, and two of the most commonly confused types of coverage are collision and comprehensive coverage. Marla Williams Agency compares collision and comprehensive coverage and explains when each type of coverage is applicable.

Auto Coverage Differences

Collision Coverage

Collision coverage pays for damage to your vehicle caused by an accident or collision with another car or object. If the damage is severe enough, collision coverage may pay for a replacement of your vehicle. Collision coverage is ideal for drivers who want car protection against car accidents. However, it is important to note that collision coverage is not designed to cover all types of damage. Collision coverage would not typically cover damage from theft or vandalism.

Comprehensive Coverage

Conversely, comprehensive coverage pays for damage to your vehicle caused by anything other than a collision. Comprehensive coverage can protect your car against damage from theft, fire, hail, vandalism, and even hitting an animal. Comprehensive coverage can also cover the replacement cost of your vehicle if it is stolen or damaged beyond repair. Comprehensive coverage can also cover the replacement cost of your vehicle if it is stolen or damaged beyond repair. Comprehensive coverage is ideal for drivers living in high-risk areas.

Contact Marla Williams Agency Today

Understanding the difference between collisions and comprehensive coverage can help protect your vehicle and save you money on insurance premiums. If you are a Kansas driver who wants protection against accidents, collision coverage is the way to go. Comprehensive coverage may be necessary if you live in an area with high rates of theft, vandalism, or natural disasters. 

Ways To Increase Employee Retention

Employee retention has become a real issue for employers in the last five years. Finding ways to increase employee retention will be essential to your overall success. Here at Marla Williams Agency, we want to help Kansas employers overcome these challenges.

Here are some ways to increase employee retention:

Mental Health Services 

Everyone is dealing with increased amounts of stress today, and this stress is compounded by the difficulty of finding and affording quality mental health care or counseling. Considering that work stress is high on the list of factors contributing to mental health challenges, it stands to reason that employers who provide mental health services on-site, for free, or for reduced rates will send the message to employees that your mental health matters.

When employees feel that these types of needs are important to their employer and that the employer is actively seeking ways to meet those needs, they want to stick around. 

Healthy De-escalation Practices

Many employees leave jobs because of a particular event that felt like it was too much to handle or because of a series of events that were not handled properly. These types of problems often have a root in poor de-escalation practices as a whole. How tense situations are handled in the workplace becomes an integral part of your company culture. The employees recognize this over time.

Having poor de-escalation practices as a whole makes for an insecure work environment where employees do not feel safe to voice opinions, problems or confront situations. This can lead to a high turnover rate for you as the employer. 

Reach Out To Us!

If you would like to learn about commercial insurance and how it can contribute to your company’s success, please contact us at Marla Williams Agency serving Kansas. 

Kansas Home Insurance: What You Need To Know

When it comes to protecting your most valuable asset, your home, it’s crucial to choose the right home insurance policy. In Kansas, securing the right home insurance is essential to safeguard your investment and peace of mind. Before making a decision, consider the expert advice from Marla Williams Agency to ensure you’re getting the best coverage for your needs.

Marla Williams Agency is a reputable and trustworthy insurance agency serving Kansas. We are renowned for providing comprehensive and reliable insurance solutions to homeowners in the region. With years of experience in the industry, our team is ready to assist you in selecting the perfect home insurance policy tailored to your requirements.

Kansas Home Insurance

As a homeowner in Kansas, it’s vital to understand the potential risks and hazards that might impact your property. Kansas is known for its unpredictable weather, including tornadoes, hailstorms, and heavy rain, which could lead to severe damage to your home. Therefore, working with a local agency like Marla Williams Agency will ensure you’re prepared for any unexpected situations that may arise.

The first step to securing the right home insurance policy in Kansas is to assess your specific needs. We can help you evaluate your home’s value, location, and other factors to determine the level of coverage you require. We will guide you through the process of comparing different policies and selecting one that offers adequate protection at a competitive price.

Additionally, it’s crucial to understand the policy’s terms and conditions, including any exclusions or limitations that may apply. Our team will ensure you are aware of these details and provide recommendations to help you make an informed decision.

Reach Out To Us

Choosing the right Kansas home insurance policy is a critical step in protecting your home and financial future. By partnering with Marla Williams Agency in Kansas, you’ll benefit from personalized service and expert guidance, making the process of finding the perfect coverage a breeze. Contact us today to get started on securing your home insurance policy.

The Role of Appraisals in Your Classic Car Insurance

An appraisal is an expert estimate of the value of your classic car. A professional third-party appraiser researches and analyzes the condition of your car and determines its worth in current market conditions. Classic cars are unlike newer vehicles in that you may not be able to estimate their value by looking at the make and condition of the engine. The third-party appraiser will look at the interest in the old model, its rarity, history, and likely price should you sell it.

When applying for classic car insurance, having the car appraised by an expert in the same market in  Kansas is important.

Here are the roles the appraisal plays in your car insurance:

Determine the Replacement Cost

This will give a rough estimate of the value of the vehicle. It gives the insurance provider an idea of the replacement cost if you lose your car or it gets totaled in an accident. You want to make sure that the exact value of the car is captured in your replacement estimate so that you do not suffer a loss.

Get the Right Premiums

In addition, the vehicle’s value will enable us to assess the risk involved in insuring your vehicle. This helps in calculating your insurance premiums. Appraisals ensure that you are not overcharged for premiums.

Capture Your Investment in the Vehicle

Most classic cars require restoration, which can be an ongoing business. An appraisal enables you to cover the extra investment you have put into the vehicle so that it is captured in the insured value. If you continue improving the classic car, consider an appraisal before renewing your insurance policy.

Marla Williams Agency Is Here To Help!

Consider having your classic car appraised by a professional company, even if your insurance provider does not require it. When you want the right insurance cover for your classic car in Kansas, contact Marla Williams Agency for a quote and advice. Our team will guide you through the process and answer your queries.

Why Umbrella Insurance Should Be A Priority

Umbrella insurance is a type of liability insurance that provides an extra layer of protection for individuals and families. It offers coverage above and beyond the limits of your homeowner’s insurance, auto insurance, and other liability policies. In other words, it acts as a safety net to protect your assets and financial future. If you’re living in Kansas, you’ll want to prioritize umbrella insurance, especially if you’re looking to protect yourself and your family from potential lawsuits and financial ruin.

Marla Williams Agency in Kansas is a leading provider of umbrella insurance, helping families and individuals secure their assets and financial future. We understand that life is unpredictable, and accidents can happen at any time. That’s why we offer comprehensive umbrella insurance coverage that gives you peace of mind knowing that you and your family are protected.

Why Umbrella Insurance

One of the main benefits of umbrella insurance is that it provides added protection for your assets. If you’re sued for an amount that exceeds the coverage limits of your other liability policies, umbrella insurance can help you pay for the remaining costs. This type of insurance can also provide coverage for damages and legal fees, helping you avoid the financial burden that comes with a lawsuit.

Another advantage of umbrella insurance is that it covers a wide range of incidents. For example, it can provide coverage for accidents that occur on your property, car accidents, and even libel and slander. This means that you’ll be protected from a variety of potential liability situations, giving you peace of mind knowing that your assets are protected.

Give Us A Call

Umbrella insurance should be a top priority for individuals and families living in Kansas. By working with Marla Williams Agency, you’ll have access to comprehensive coverage that gives you peace of mind knowing that you’re protected. Don’t wait until it’s too late to secure your assets and financial future. Contact us today to learn more about our umbrella insurance options.

Is there a mileage limit on classic car insurance?

Classic cars need special insurance coverage to protect them from risks on and off the road. However, classic car insurance is different than regular auto insurance. The insurance company bases its cover on the assessed value of the car. Additionally, some stipulations for coverage may include limiting the mileage annually. If you need classic car insurance, let the experts at Marla Williams Agency, serving the residents of Kansas, help you get the ideal coverage. 

Classic Car Coverage

Classic car coverage varies with each company. Many companies may limit the number of miles you drive each year. That’s because it’s standard practice to limit the mileage to less than 5,000 miles yearly to maintain the vehicle’s value. Not all insurance companies have a mileage limit, however. 

If you need classic car insurance, our experts can help. We can work closely with the classic car owner to determine which policies offer the best coverage. Remember that selecting the right policy is vitally important to ensure you get the best level of protection. That’s why you need our agents’ expert insight and customer support service. They know the ins and outs of classic car insurance and can make sure you understand the policy terms and conditions. 

Contact Us Today

If you want to learn more about classic car insurance or any other insurance products we offer, call or stop by the office of Marla Williams Agency. We serve the state of Kansas and will help you find the ideal coverage to provide security and peace of mind. Get the coverage you need to protect your valuable investment from accidents, theft, and other covered events.

What is Collision Coverage?

Kansas is a no-fault state, which means that each motorist is responsible for paying for their own injuries and property damage, no matter who is to blame for the wreck. Drivers are required to have several types of insurance in the state of Kansas, but collision coverage is not one of them.

This protection is optional according to the law, but many people choose to purchase this protection for the benefits it offers.

This is because collision coverage will help drivers cover the costs related to their own car repairs in the event of an accident. This can be important if your vehicle is expensive and is paid off, as you could otherwise suffer a total loss with no recourse. Your policy will tend to pay for damages as long as they do not exceed your car’s actual cash value. 

You could also potentially collide with stationary objects, such as a mailbox, a pothole, or a post, and do significant damage to your car. Be sure to ask your Marla Williams Agency specialist for the details on what specific things will be included in your coverage. 

If you are currently carrying a balance on your automobile or if you are leasing, your lender will usually require you to purchase collision coverage, as this will help protect their financial investment. You will still be obligated to pay the deductible before your insurance makes any payments. 

When you take out a policy, generally speaking, your premiums will be affected by the dollar amount you set for your deductible. If you lower your deductibles, premiums tend to increase, and if you raise your deductibles, your premiums should be lower. 

Marla Williams Agency Can Lend You a Hand

Our knowledgeable agents can assist you with finding the package you need for automobiles, homeowners, life insurance, and more. Reach out to us today by calling, emailing, or stopping by the office. 

Don’t Leave Your Business Unprotected – Get Commercial Insurance

Are you the owner of a Kansas business? Are you adequately insured? Our team of insurance experts at Marla Williams Agency can provide the protection your business needs.

Commercial Insurance: Vital Protection For Your Business

Do you wonder why commercial insurance is important for your business? It helps to cover the costs related to liability claims and property damage. Without this coverage, a business owner needs to pay out of pocket for costly damage or legal claims against their business. This could be the difference between closing your doors forever or remaining in business.

Commercial insurance is typically a one-year contract between an insurance company and the business owner in which the insurance company assumes responsibility for the business liability in exchange for a premium.

Most small businesses should have a BOP or business owner’s policy

It combines business liability, business property, and business income protection in one policy. Business property is sometimes referred to as “commercial property” and helps to protect the physical location of the business and its assets.

The peace of mind and protection this coverage offers are critical. If you have an employee that gets hurt on the job or becomes seriously ill as a result of his or her work, workers’ compensation insurance helps to pay medical costs, reimburse them for lost wages, and provide funeral expenses if needed.

If you have a customer that falls and gets injured on your business property, this coverage will help to pay for associated medical expenses and in the event of a lawsuit, the business will not need to pay out of pocket for the damages.

As with all types of insurance coverage, there are some things this coverage will not cover:

  • Intentional wrongdoing
  • General liabilities for day-to-day accidents not directly related to workplace activities
  • Illegal activities
  • Employee disputes, such as if an employee files a suit based on discrimination, will not be covered under commercial insurance.
  • False advertising

Looking To Protect Your Business in Kansas?

Let us at Marla Williams Agency provide the protection your business needs. Contact us today, and we will be happy to answer your questions. 

Three signs it’s time to update your home insurance policy

Your home insurance needs can change over time. That’s why you should know the signs to look out for that indicate it’s time to update your policy. 

At Marla Williams Agency, we can answer all of your questions about home insurance in Kansas and help you update your coverage when needed.

The following are three signs that it’s time to update your home insurance policy:

You’ve made some new security updates to your home

When you make updates to your homes such as adding improved locks or security cameras, you may be eligible for lower home insurance rates. 

Make sure you let your home insurance company know about security updates and look into potential discounts on your premiums. 

You’ve recently remodeled your home

If you’ve recently remodeled your home, it could mean that your home is more valuable. Increased home value might mean that you want to increase the coverage amount on your home insurance policy.

Reevaluate the coverage maximums on your policy and the increased value of your home after your remodel project. 

You’re keeping some expensive new items in your home

Your home insurance offers coverage for the possessions you have in your home. If you’ve recently purchased valuable items such as expensive electronics or pieces of jewelry, it could be a good idea to increase your coverage limits,

If you don’t increase your coverage limits after purchasing expensive new possessions, your home insurance policy might not be fully protecting you financially. This leaves you at risk of experiencing financial loss in the event of damage to your home. 

Give Us A Call

We’re here to assist you with all your home insurance needs in Kansas. Get in touch with us at Marla Willaim Agency for answers to all your questions about home insurance. 

Is My Car Eligible for Classic Car Insurance in Kansas?

You love taking your classic car for the occasional weekend romp or showing it off at nearby car shows. However, you may worry about whether you have sufficient insurance to cover your expenses in the event of damage or loss. Fortunately, the insurance agents at Marla Williams Agency help drivers in Kansas determine whether their car qualifies for classic car insurance and the type of protection needed to give you peace of mind.

Is Your Car a Classic Car?

Classic cars include muscle cars and hot rods. These cars have different insurance requirements than the ones you drive every day. Although there are various definitions of what makes a car “classic,” the one that matters is what your insurance company considers classic.

In general, vehicles eligible for classic car insurance include antique cars 25 to 30 years old (or older), hotrods (“souped” up vehicles), luxury vehicles, classic trucks, and muscle cars. Some insurers also cover classic motorcycles, antique tractors, and military vehicles.

How to Qualify for Classic Car Coverage

Meeting the above factors can help you qualify for specialized insurance. Since classic vehicles cost more to repair or replace, insurance providers have additional requirements regarding usage and storage.

You cannot use your classic car for everyday use. Most policies include mileage limits. When you attend car shows and auto club events, many classic car policies cover your travel back and forth as an exception to this rule.

You also need to show that you store your vehicle in a protected environment, such as an enclosed, locked, and private storage unit or garage. In addition, if you have a good driving record, you have an excellent chance of obtaining classic car insurance.

Classic Car Insurance in Kansas

While not all vehicles qualify for vintage car insurance, yours might. Contact Marla Williams Agency to speak with a knowledgeable representative. We want to help you understand and procure classic car insurance so that you don’t miss a single car show.