Avoid Driving Distractions on the Road

According to the NHTSA (National Highway Traffic Safety Administration), 2,841 individuals died from distracted driving in 2018. It’s up to everyone to try to keep the roads a little safer when driving and one way you can help is to avoid driving distracted. The Pete Webb Agency would like to share a few tips for you when driving in Fredericksburg, VA.

  • Cellphone. Using your phone to read emails, text, or watch videos might only take your eyes off of the road for a few seconds, but during that time a child could run into the street or another car could swerve into your lane. Wait until you get where you’re going before using your cellphone.
  • Passengers. It’s typical to want to look at a person when you’re having a conversation. When you have passengers in your vehicle, just remember that they know what you look like. You don’t have to take your eyes off the road to talk to them. Little passengers can be big distractions too. Give them something to play with during the ride or play a game of I Spy.
  • Eating. Unwrapping that hamburger and reaching for some fries can be satisfying, but it’s also a distraction. You can’t always find the bag, or you want to add ketchup to your meal, either way, you’ll have to take your eyes off the road to eat. Seconds could mean an accident and getting into an accident over a French fry seems like a foolish risk. Leave earlier and eat at the restaurant or wait to eat later.

Get in touch with the Pete Webb Agency in Fredericksburg, VA. They have insurance agent that can get you started with an auto insurance policy. While you’re there check out home and life insurance too.

An Overview Of Everything That Long Term Care Insurance Entails

Based in Fredericksburg, VA, Pete Webb Agency is committed to helping residents find the insurance coverage that will help them plan for any potential risks. Sometimes accidents happen, which is why we strive to make sure that our clients have the necessary coverage so that they will be protected regardless of the situation.

Long Term Care Insurance

Long term care insurance gives you a layer of security and helps ensure that your health care is covered for an extended period of time. The policy covers you in the event that you have to undergo rehab at a special facility. You’ll also be covered in the event that you have to undergo treatment at an assisted living home. All of your therapy and medication is also covered. You’ll also be covered if you need assistance performing regular tasks such as bathing, eating, and putting on your clothes on a regular basis.

Long term care insurance is a security net for people who are unsure about their health in the future. If you have a family history of issues such as dementia and high blood pressure, the risk that you may inherit those conditions in the future is high. Long term care insurance ensures that you will be covered in the event that your health changes over time.

In some cases, you may be able to amend your policy in the event that your long term care is not as severe as you imagined. That’s why you should undergo a medical exam while you are researching different policies. If you are diagnosed with a chronic illness, you will be protected through your policy. If you suffer a severe injury that will leave you immobilized for an extended period of time, long term care insurance will help alleviate some of the stress so that you can focus on getting better.

Consult With Pete Webb Agency

To learn more information on how we serve the Fredericksburg, VA community, visit our website today!

How can I pick an auto insurance Policy?

Choosing an auto insurance policy is always going to be a big decision. For those that are in the Fredericksburg VA area, having insurance is a necessity when you want to drive. There are several tips that you can follow that can help you to pick a new auto insurance policy. 

Consider Coverage Needs

One factor that you need to think about when you are going to choose a policy is what coverage you need. For those that are in Virginia, the only legal obligation they have is to carry liability insurance. However, if you have a car that is financed with a loan or you want to receive coverage for, you should get a full collision and comprehensive policy. 

Deductible Level

Another factor that you should consider is your deductible level. The deductible in your insurance plan is the amount of money that you will have to spend out of pocket before you receive reimbursement through an insurance claim. Most people will choose a deductible that ranges from $500 to $1,000, but there is more flexibility. Generally, the higher your deductible is, the lower your premiums will be. If you do choose a high deductible, it would be wise to ensure you have this amount of money set aside in a bank account.

Picking a new auto insurance plan is a big choice for anyone in the Fredericksburg, VA area. If you are looking for insurance here, you should speak with the team at Pete Webb Agency. When you speak with the team at Pete Webb Agency, you are going to receive personalized guidance that can help you to choose a policy. This will help to ensure that you get into a policy that offers you with great coverage and support. 

Is your Business Properly Covered?

Congratulations on starting your business. You’ve worked hard to get that dream business going, and it is crucial not to let any situation come to destroy what you have built. Therefore, it is vital to obtain business insurance to protect you from receiving unexpected expenses that will hinder you from running your business. 

With the right insurance, you won’t risk going out of business because of natural disasters, accidents, and lawsuits. Having a business structure, like a corporation or LLC, will give you some personal property protection from lawsuits. However, the operative word here is "some," meaning a limited type of protection.

For the State of Virginia

Also, each state has there own requirements when it comes to business insurance. And in the state of Virginia, whether it is Fredericksburg, VA or another area, it will behoove you to obtain the legal requirements, if nothing else, to make sure you comply with the state. Other than that, different business insurance types may be needed to ensure adequate coverage. 

Common Types of Insurance

From worker compensation to commercial auto insurance, it is vital to get adequate and reliable business insurance to make sure your company is adequately insured. Don’t be caught off-guard when and if the unthinkable happens. You should contact a reliable, experienced, and licensed insurance agent to lead you in the right direction. 

Some common types of commercial insurance are utilized according to the state’s regulations, industry, property, etc. These common types include the following: 

  • General liability insurance
  • Product liability insurance
  • Professional liability insurance
  • Commercial property insurance
  • Home-based business insurance
  • Business owner’s policy

Contact Us Today

To find out more about business insurance from a reliable agent, contact Pete Webb Agency today. Located in Fredericksburg, VA, this agency has been serving this agency for several years. The staff at Pete Webb Agency are highly-trained, experienced, and will lead you in the right direction. Contact Pete Webb Agency to learn more.

 

Life insurance to help your heirs when you pass away

Generally, life insurance is taken out as a way to help your heirs deal with your final expenses after you pass away. However, as the Pete Webb Agency serving Fredericksburg, VA explains, you can and should carry enough life insurance to help your heirs carry on beyond paying your final expenses if you are still the primary breadwinner. Your surviving spouse will have some money to replace your lost income. Your surviving children will have money for their education and other expenses.

What happens when you have passed into your senior years, and your children have grown up and become adults. As it turns out, a life insurance policy can be used as part of their inheritance. Proceeds from life insurance are generally not taxable so long as they are paid off immediately after your death. They are also not subject to the probate process, so your heirs can get the money sooner than other parts of your estate.

Many people like to use life insurance to pass on an inheritance to their heirs because they have less money in savings and need their savings to supplement their social security income. Others have substantial savings but prefer to have a more comfortable retirement, say engaging in travel and other fun activities. Still, others are obliged to spend their savings on healthcare, treating the many ailments to which age is prone.

Whatever your reasons, you should consider having a substantial life insurance policy as part of your inheritance strategy. For more questions about all aspects of life insurance, feel free to contact the Pete Webb Agency serving Fredericksburg, VA.

What to Expect from Home Insurance Coverage

As a new homeowner, you’ll have countless decisions to make concerning the care, safety, and security of your property. One of these decisions is choosing home insurance. At Pete Webb Agency, we understand that home insurance can be a confusing topic for new buyers. For this reason, we’ll take the time to explain how home insurance works and what to expect from your coverage. The more you know about home insurance protection, the smarter choices you can make to safeguard your Fredericksburg, VA property.

What Kind of Protection Does Home Insurance Offer?

A standard home insurance policy offers the following coverage: 

  • Dwelling
  • Additional Structures
  • Property
  • Liability

Dwelling

Dwelling insurance protects your home structure against damage from fire, rainstorms, windstorms, lightning strikes, and water damage from faulty plumbing. Virginia is prone to disasters like tornadoes, tropical storms, winter storms, and wildfires, which can severely damage or destroy residential property. If your home is damaged by one of these perils, dwelling insurance will help cover its repair cost. By purchasing enough dwelling insurance to cover the value of your home, you’ll have the compensation you need to rebuild it if it’s totally lost in a disaster. Extra buildings on your property that are not attached to your home, such as a tool shed, can be protected with additional structures coverage.

Property 

Property coverage protects your belongings to include clothes, sports gear, electronics, etc. When choosing property coverage, it’s important to estimate the value of your goods to ensure you have enough protection to cover their loss. 

Liability

If someone has an accident when visiting your home, you can be held liable for their medical costs. Liability insurance covers these expenses to safeguard your personal finances. 

To learn more about home insurance coverage and costs, call or visit Pete Webb Agency in Fredericksburg, VA at your earliest convenience.

Does Auto Insurance Protect Belongings Left in the Vehicle?

Since you can get theft coverage on your auto insurance policy, a lot of people believe that means the things stolen out of their vehicle will be covered. But that’s not the case. Theft insurance is for theft of the vehicle itself and doesn’t provide coverage for anything that might have been inside. Those personal items that could have been left in the car will be covered under your homeowner’s policy, instead. That’s why it’s so important to make sure your insurance policies are all up to date, so you have thorough coverage for everything in your life. If you’re in the Fredericksburg, VA area, Pete Webb Agency can help with your auto policy and more.

You don’t have to settle for a policy you’re not clear on, or one that doesn’t cover the things that are important to you. When you work with a trusted agent, you’re much better able to get the quality support and guidance you need to make informed choices about your vehicle insurance policy. While you still won’t get coverage for belongings left inside, you’ll be able to have peace of mind that your vehicle itself is adequately protected. Whether you’re just getting an auto policy or you want to see if yours needs updating, we can help you get the peace of mind that comes with the right level of coverage.

At Pete Webb Agency, our agents are committed to meeting your auto insurance needs. We want all of our Fredericksburg, VA clients to have insurance that covers their vehicles and helps them feel safe and secure when they’re on the road. Reach out to us today, and let us help you get the policy you want and deserve. Then you can get back to enjoying your vehicle, whether you’re commuting to and from work or heading down the road on an adventure.

Why a Classic Car Owner Needs Insurance

For anyone that loves cars in the Fredericksburg, VA area, owning a classic or antique vehicle is an ultimate dream. While these vehicles can be a great addition to anyone’s collections, they are also valuable and unique assets that require proper insurance protection. To ensure that your classic car is adequately protected, there are several reasons why you need to get classic car insurance. 

Allows for Vehicle Appreciation

One of the unique features of a classic car is that it can appreciate in value. This compares to typical vehicles that depreciate. Due to this, you should get classic car insurance that provides protection for the full market value of the car. When you get a classic car insurance policy, you will receive an Agreed Value Replacement that will provide you with enough coverage to replace the vehicle and the asset value if it is damaged or stolen. 

Premiums Reflect Mileage

Another benefit of classic car insurance is that the premiums can reflect the mileage that you are driving. Most of the time, classic car owners will very rarely take their vehicles out onto a public road. Due to the limited mileage, you can accept a classic car insurance policy that will limit your mileage but will offer more affordable premiums than a standard auto insurance policy. 

Owning a classic car is a dream for many in the Fredericksburg, VA area. When you are looking for a classic car insurance policy in this area, you should talk to the team at the Pete Webb Agency. When you visit the Pete Webb Agency, you can receive the guidance that you need to choose the right insurance policy for your situation. This will ensure that the proper form of coverage correctly protects your valued asset. Contact our office to get a quote.

 

 

Why do I need auto insurance in Virginia?

Those that are in the Fredericksburg, VA area likely will need to have a car to get through their daily chores and responsibilities. Since there is a need to have a car at all times, people also need to consider their insurance needs. There are several reasons why someone in Virginia needs to make sure that they have auto insurance at all times. 

Protects Your Vehicle

One situation when you need to get auto insurance is when you want to protect your vehicle. If you have purchased a vehicle recently and want to make sure that you can rebuild, repair, or replace it in the event of an accident, getting a full auto insurance policy is beneficial. A policy that gives your comprehensive and collision coverage will provide coverage for virtually any situation that could result in a loss for you.

Allows for Legal Compliance

Additionally, those that are in Virginia should also consider their auto insurance needs because it is required by the law. Even those that are excellent drivers will always have a small risk that they could cause an accident. If this does occur, your liability auto insurance will ensure that you can pay for damages. Due to this continued risk, all drivers in Virginia are required by law to carry liability auto insurance at all times.

Those that are shopping for auto insurance should contact the team at the Pete Webb Agency as soon as they can. When you contact the team at Pete Webb Agency in Fredericksburg VA, you will get excellent advice and insight when it comes to picking your auto insurance policy. This will help to ensure that you get an auto insurance policy that protects your vehicle and gives you necessary liability coverage for any situation. 

What Constitutes Long Term Care?

Many people confuse long term care with a disability, even though the two are drastically different. The agents of Pete Webb Agency serve residents throughout the Fredericksburg, VA area. They understand the reasons behind long term care and why it is so important to have an insurance policy that covers it. Dealing with a chronic illness or injury can be a hardship in and of itself. Knowing that you are covered by insurance can relieve some of the stress and lighten the burden. 

Chronic Illness and Recovery

Chronic illness or the long term recovery of a devastating injury can require extensive medical care. In some cases, like with a stroke or accident-related, the recovery process can take months or even years. While extensive care may be needed in the beginning, as the patient recovers, the amount of care they need will decrease as their health improves. 

Assisted Living

Assisted Living is another form of long-term care that doesn’t necessarily have to do with actual medical care. As we age, there are times where we require assistance with basic, everyday tasks, like cleaning our home, bathing, cooking meals, or doing laundry. This type of long-term care allows an individual to live independently for as long as possible without having to leave their home and go to a nursing home.

The agents at Pete Webb Agency are available to answer all of your questions about long term care insurance and how having a policy will benefit you in the long run. If you live in the Fredericksburg, VA area, stop by the office or schedule a consultation today! An agent is always available during regular business hours and can provide you with the answers you need.