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Alan Galvez Insurance Blog

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In Ohio, accidents appear on your driving record for 3 years (on average). However, just because they’ve vanished from your motor vehicle report, does NOT necessarily mean they don’t affect your present or future auto insurance. Read on…… How accidents affect you when applying for NEW auto insurance READ MORE >>

The answer will depend on what type of policy you have. Let’s take a moment and do some background review first…. What makes up a homeowners insurance policy? In its most basic form, a homeowners insurance policy is a package policy covering both property and liability. READ MORE >>

One of our long time customers recently experienced a house fire. I decided immediately that telling their story was necessary, in the event you too suffer a fire. For the sake of privacy, I have renamed the customers Jack and Jane, but everything discussed here is exactly how it played out post-fire. READ MORE >>

I’m going to be honest- this is one of those articles I NEVER wanted to write. There is nothing good that comes when a teenage driver you insure is killed in an auto accident. It is the most horrific situation I’ve ever experienced in my many years of being in the insurance business. READ MORE >>

 Car accidents on private property can often work differently than accidents on public roadways. This article walks you through a typical private property accident and the claims process that follows.  The accident Two people just finish grocery shopping and are both backing out of their parking spaces when they unfortunately meet. READ MORE >>

Luckily, most auto accident claims are handled well and settled pretty quickly. But sometimes, they aren’t. And when you’re the one waiting and wondering, it can get pretty frustrating. And if there are injuries and medical bills, then your level of frustration can reach epic proportions. READ MORE >>

 Deductibles are a critical part of insurance policies. Whether you have car insurance, home insurance or even health insurance, chances are good there are deductibles on your policy. What is a Deductible? In the simplest terms, a deductible is the dollar amount that you pay for a claim. READ MORE >>

Ohio is quietly changing its driver license and most of the population doesn't know anything about it. The result? Confusion, frustration and anger when you go to the BMV and try to renew your license. So, before you waste a trip because you don’t understand the changes or don’t have the correct documents, read our article so you can get your license without any trouble. READ MORE >>

The short answer is yes. But that would make for a pretty short article, so keep on reading for background on how car insurance policies work and the typical process for switching. By reading this article and following our tips, the switch will be a lot easier on you.  How car insurance policies work READ MORE >>

 When you buy a home, especially the first time, your lender will often require a mortgage escrow account be established for your homeowners insurance and property taxes. For a more detailed explanation of how this works, you can read our article “What is a Mortgage Escrow account and how does it work? READ MORE >>

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Alan Galvez Insurance
134 W. Columbus Ave.
Bellefontaine, OH 43311

 (937) 592-4871

 info@galvezinsurance.com

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