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What Happens If Your Car Is Stolen and Used in a Crime? How Insurance Plays a Role

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Discovering that your car has been stolen is stressful enough, but what happens if it’s used in a crime? Many people don’t think about this possibility until it happens, leaving them wondering what their responsibility is and whether their insurance will help. At DJ Kauffman Agency, proudly providing auto insurance to residents in and around Hutchinson, KS, we help drivers understand how their auto insurance can protect them in these situations.

Are You Responsible for Crimes Committed in Your Stolen Car?

One of the biggest concerns after a vehicle theft is whether you could be held responsible for criminal activity involving your car. The good news is that if your vehicle was stolen and used in a crime, you are not legally responsible for those actions. Law enforcement will investigate and verify that the car was taken without your consent. However, you may still have to deal with the aftermath, such as recovering your vehicle or handling any damages.

How Insurance Helps Recover Your Losses

Comprehensive auto insurance is the key coverage that helps in the event of car theft. If your stolen vehicle is not recovered, your policy can compensate you for its value. If law enforcement finds your car but it has been damaged, comprehensive coverage can also help with repairs. Without this type of insurance, you may be left covering the costs out of pocket.

Protect Yourself with the Right Coverage

Car theft is unpredictable, but having the right insurance can make all the difference. If you want to ensure you’re fully protected, contact DJ Kauffman Agency, serving the Hutchinson, KS community. We can help you find the right auto insurance policy to give you peace of mind.

Your Business Deserves the Protection Only Commercial Insurance can Provide

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We could discuss the nature of your business, the industry you operate in, or the daily risks your company faces. However, the truth is, no matter the level of risk exposure, the industry, or the type of business, nothing provides protection like commercial insurance. That’s why so many business owners in Hutchinson, KS rely on the professional and experienced team at the DJ Kauffman Agency for all their commercial insurance inquiries and needs.

Commercial Insurance: The Protection Every Business Owner Deserves

Whether you’ve built your business from a mere idea and hard work, inherited it, or climbed your way up the ranks, owning a business is a personal investment. Protecting your business is about dollars and cents but also about so much more.

How many people are aware of the countless hours you’ve invested? How many know about the personal investments or risks you took to ensure your company’s success? How few understand the effort it takes to make a business work? As a business owner, you know the answers to these questions and understand why protecting your business is crucial. That’s why working with a knowledgeable and proven agent who can assist is beneficial.

Commercial Insurance Solutions for Hutchinson, KS Area Business Owners

If you’re a business owner in the Hutchinson, KS area and have questions or need commercial insurance for your business, we’re here to help. Contact us to learn more and schedule an appointment for the protection your business needs and deserves with the DJ Kauffman Agency today.

What comes standard on a home insurance policy?

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At DJ Kauffman Agency in Hutchinson, KS, we believe having a home insurance policy is as crucial as understanding what is covered in a standard policy. It can be disheartening for a homeowner to assume something is covered by their policy only to find out after a covered incident that it isn’t. Therefore, we want to inform you about what a standard home insurance policy covers.

What Does a Standard Policy Typically Cover?

A standard home insurance policy provides coverage to repair or replace the structure of your home, both inside and out, and other structures, such as sheds or detached garages. Additionally, a standard home insurance policy covers your personal belongings. It reimburses when you’re displaced from your home due to a covered peril. You also get liability coverage if someone is injured on your property or if a fire or animal from your property damages someone else’s property.

Moreover, standard home insurance policies cover a limited number of perils to your home, such as fire, explosion, wind, falling objects, and hail damage.

What Isn’t Covered?

While earthquakes and floods are valid concerns for homeowners, they are not covered by a standard home policy. However, they can be added for an additional cost or by writing a separate policy.

Furthermore, a standard home insurance policy does not cover damage from termites and other insects, rust, rot, general wear and tear, or birds or rodents.

Questions or Concerns About Home Insurance

We understand that home insurance policies can be complex at DJ Kauffman Agency in Hutchinson, KS. We would love to partner with you to ensure your home is adequately covered and you have peace of mind. Call us today at (620) 669-0410.

SR-22 Certificates in Kansas: What You Need to Know

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Your driving privileges in Kansas follow specific rules and regulations. If you’ve recently had a motor vehicle violation, you might need to obtain an SR-22 certificate. This requirement is easy to meet, but understanding what an SR-22 is and how to get one can make the process go much more smoothly.

What Is an SR-22 Certificate?

An SR-22 certificate is a formal document filed with the Kansas Department of Motor Vehicles proving you carry the required minimum of auto insurance. Essentially, it’s a way for the state to keep track of drivers who have demonstrated a higher risk on the road.

Who Needs to Get an SR-22 Certificate in Kansas?

You might need an SR-22 if you have any of the following convictions:

  • DUI or DWI
  • Driving without insurance
  • Reckless driving
  • At-fault accidents while uninsured
  • Driving with a suspended license
  • Failing to pay fines or judgments related to a car accident
  • Habitual traffic violations

How Do I Get an SR-22 Certificate?

Getting an SR-22 certificate is easy. Here’s how:

  1. Contact an Insurance Agent: An insurance agent, like DJ Kauffman, will help you find an auto insurance policy that meets the state’s minimum and includes the SR-22 filing.
  2. File the Certificate: Your insurance company will electronically file the SR-22 certificate with the state.
  3. Maintain Coverage: It is crucial to maintain coverage for the specified period. A lapse in coverage could result in the suspension of your driver’s license, requiring you to start the process over.

Important Note: If your coverage lapses even for a day, the 12-month requirement restarts.

Finding the Right Insurance Company

When you need an SR-22, start by comparing quotes and services. The DJ Kauffman Agency serves Hutchinson, KS and is ready to answer any questions. Let us know how we can help today!

Get the Certainty You Deserve with Umbrella Insurance

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"You are covered." Those three words are almost as sweet as any you will ever hear if you ever need to call your insurance agent. The bad news, however, is that the other side of that coin can be more unpleasant and scary than the other side is sweet. That is also where the benefits and help of umbrella insurance can make a difference, and in more than a few ways. That is also why Hutchinson, KS residents turn to the friendly and professional team at the DJ Kauffman Agency for the certainty and extra protection that only umbrella insurance can provide.

Get the Certainty You Deserve with Umbrella Insurance

If you have an auto or home insurance policy or insurance on other assets, umbrella insurance can offer the certainty you deserve. That means that if you ever get involved in an accident or experience an unexpected event like a fire or flood, you can be assured that you have the coverage you need with the right umbrella insurance plan. That is also why discussing the benefits of umbrella insurance with your agent is a good idea: it offers the coverage you need and the certainty you deserve.

Get Umbrella Insurance Solutions in Hutchinson, KS

If you live in or around the beautiful Hutchinson, KS area and have questions or would like to learn more about umbrella insurance, we can help. Our experienced and knowledgeable team at the DJ Kauffman Agency is here to answer all your questions and help you strengthen your coverage with the right umbrella insurance solutions. Contact us to find out more and schedule an appointment today to get the protection and peace of mind the umbrella offers at the DJ Kauffman Agency.

Please note that all the information in the blog is accurate based on one general understanding of umbrella insurance.

Life Insurance – Handling Property That Will Be Inherited by Your Loved Ones

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Property Assessment: A Crucial Step in Life Insurance Policy Preparation

Conducting an assessment of your property is a crucial step in preparing your life insurance policy. Use the tips below to assist with the assessment and policy preparations.

Understanding the Value and Condition of Your Property

You might be wondering why an assessment is important. The assessment process determines the property’s overall value and reveals any structural damage or other issues that you may want to address immediately.

During the inspection process, the inspector will visually and physically assess the structural materials, the drainage conditions of the land, and other key features of your property.

Use the report’s findings to divide the property your loved ones inherit after your demise.

Accounting for Upgrades

Once your preliminary life insurance documents are drawn up, take the time to review the coverage terms. The documents should be modified as needed. For instance, if your property undergoes any renovations, you may decide to reflect the upgrades in your life insurance policy.

  • New outdoor features
  • Residential additions
  • Improved lighting
  • Upgraded HVAC system or plumbing components

The list above includes some upgrades that could indicate that you need to make changes to your life insurance policy. If the overall value of your land and home increases, you may need to increase the amount of property that each of your assigned heirs receives.

Professional Support for Your Life Insurance Needs

Don’t second guess the decisions you make concerning your life insurance policy. Speak with one of our DJ Kauffman Agency representatives during a scheduled consultation.

An agent who represents Hutchinson, KS can guide you in choosing life insurance coverage amounts that will be beneficial. They can also assist with any future life insurance policy upgrades you seek.

Do all Kansas boat owners need a watercraft insurance plan?

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Why Boat Insurance is Essential for Hutchinson, KS Residents

The Hutchinson, KS area is known for its warm summer months. Thankfully, the locale offers various recreational lakes and waterways that you can enjoy. If you own a watercraft, it’s a smart move to procure appropriate insurance. This entails securing a boat insurance plan. Here’s why boat insurance is necessary.

Ensuring Compliance

When you own a boat in Kansas, having boat insurance is crucial for compliance. If you finance your watercraft through a loan, your lender will require you to have insurance until the loan is completely repaid. Additionally, several local marinas and waterways may mandate boat insurance as a requisite for usage. Being insured helps you maintain compliance with these requirements.

Providing Financial Protection

Another reason to have boat insurance in Kansas is to secure financial protection. Owning a boat comes with various risks, including potential damage in accidents or causing an accident yourself. Either of these situations can lead to significant financial outcomes. Being insured affords you the necessary support in such circumstances.

Choose a Comprehensive Boat Insurance Plan

Maintaining comprehensive boat insurance is important for residents of Hutchinson, KS. If you are shopping for a new plan, reaching out to our team at DJ Kauffman Agency would be extremely beneficial. Our professionals can guide you in assessing your needs and evaluating your options, ensuring you create the best policy for your needs.

What You Need to Consider When Buying Small Business Insurance

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Every business, regardless of its size, is about managing risk, and smaller businesses are particularly vulnerable if something goes wrong either at their premises or with their daily routines. Our agents at DJ Kauffman Agency in Hutchinson, KS, will highlight a few key points to remember when purchasing commercial insurance.

A Round-up of Various Types of Business Insurance

The type of coverage you need and possibly more than one policy depends on your industry and the services you provide. Here are the most common policy types:

  • Business Owners: A combination of commercial property and general liability insurance.
  • General Liability: A policy covering liability lawsuits resulting from property damage, third-party injuries, and defamation or copyright infringement.
  • Commercial Property: Insurance that can be included with a business policy. It covers stolen, lost, or damaged business property.
  • Business Interruption: This may also be included in a business or commercial property policy. It offers protection if your business has to shut temporarily due to a covered peril.
  • Professional Liability: Also known as errors and omissions insurance, it covers lawsuits resulting from negligence, mistakes, and oversights in your work.
  • Commercial Auto: Covers property damage, medical expenses, and legal costs if your business vehicle is involved in an accident.
  • Workers Compensation: This covers lost wages and medical expenses due to work-related illnesses or injuries.

Understanding the Legally Required Insurance

Certain types of insurance may be legally required for your small business, depending on several factors. State laws, lenders, and the clients you serve may necessitate a certain level of coverage. Landlords of your commercial space may demand general liability policies to minimize third-party lawsuits and property damage.

Securing Your Company with Suitable Coverage

If your small business is in need of insurance, don’t hesitate to get in touch with DJ Kauffman Agency in Hutchinson, KS. Our team will provide the advice you need, and we can provide an estimate for the coverage you require.

Is Your Home Insurance Up to Date?

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Comprehensive home insurance is essential, and maintaining a robust policy necessitates updating it. But, you might question when an update is necessary and who can assist you with it. This is where DJ Kauffman Agency can provide support. If you reside in the Hutchinson, KS area and require a home policy, we are ready to help you obtain the coverage you need. There’s no justification to settle for less when you have the right team supporting you. Our trusted agents are prepared to serve you.

Your yearly policy renewal is usually the optimal occasion to update your home insurance, as, during this period, you can go through your policy details with your agent to ensure you have the most appropriate coverage suitable for your specific necessities. However, your renewal isn’t the only time you might want to update your policy. If you make any significant changes to your home or other aspects of your life, you might want to update your coverage accordingly. This helps in ensuring that you have the necessary protection and eliminates any potential gaps in your coverage level.

For instance, if you add a new annex to your home or install a swimming pool, you may want to revise your insurance coverage. If you’re uncertain whether something warrants an update, the best course of action is to contact one of our experienced agents and seek their guidance. This way, you are informed and can make an intelligent decision.

Feel free to contact us today at DJ Kauffman Agency if you’re in the Hutchinson, KS, area and looking to update or renew your home insurance policy. Whether you need policy modifications or a completely new policy for a new home purchase, we can assist you in getting the right coverage to fulfill your needs.

Three Reasons to Get Auto Insurance When You Get a New Car

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Getting auto insurance is crucial when you purchase a new vehicle. If you’re contemplating buying a new vehicle, this might be the perfect time to consider a new automobile insurance policy. At DJ Kauffman Agency in Hutchinson, KS, we assist drivers in finding the most suitable auto insurance policy for their needs. We collaborate with numerous carriers to ensure our clients have lots of options.

If you’re considering purchasing a new car, contact us today to learn more about the perfect auto insurance policy for you.

1. It’s the Law

Auto insurance is a necessity for everyone on the road as it is required by law. You are required to procure liability coverage, which pays for the repair or replacement of another driver’s vehicle if you’re at fault in an accident. However, liability insurance doesn’t cover the repair of your vehicle.

2. Your Lender Requires It

If you choose to get a car loan, your lender will most likely require you to get full-coverage auto insurance. This coverage compensates for repairing or replacing your vehicle if you’re involved in a collision, regardless of who was at fault. Full coverage also includes a variety of optional insurance types, such as roadside assistance and rental car reimbursement if you need to rent a car. At the same time, yours is being repaired following a covered incident.

3. Auto Insurance Provides Protection from Financial Risk

Auto insurance safeguards you from financial risk. Car accidents can be costly if you’re left to bear the expenses for repairs. Auto insurance helps protect you from such costs.

Get in touch with your insurance agent at DJ Kauffman Agency in Hutchinson, KS to gain more insights about auto insurance. Call us today.