1600 East Andrew Johnson Hwy. Morristown, TN 37814 |
© 2024 Bible Insurance Agency
As an independent insurance agency, we specialize in providing you with the best insurance package.
Our job is to build you a coverage portfolio from the widest range of risk protection options available.
Vehicle Insurance
Contact us to find the right coverage for your needs.
Auto, Motorcycle, or Water Vehicle Insurance
What is Vehicle Insurance?
Vehicle insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Vehicle insurance provides property, liability and medical coverage:
- Property coverage pays for damage to or theft of your car or water vehicle.
- Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
- Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
Home and auto insurance policies may provide limited coverage for personal watercraft. But you may want to consider purchasing a personal watercraft policy to protect yourself and your water vehicle in the event of an accident.
Discuss with your agent:
- How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
- What discounts are available? (Ask about good driver, multiple policy and student discounts.)
- What’s the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
- Is my water vehicle covered for use year-round?
- How much medical insurance and liability coverage is enough?
- Do I have coverage if I need to have my car or boat towed in an emergency?
Homeowners Insurance
Because everyone’s needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.
What is Homeowners Insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.
Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners’ responsibility.
Things to consider and questions to ask your agent
- How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home’s features and the things you own so you can make an informed decision about coverage.)
- Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
- What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
- What’s the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
Homeowners Insurance
Contact us to find the right coverage for your needs.
Health & Life Insurance
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Health & Life Insurance
Health Insurance
There are essentially two kinds of heath insurance: Fee-for-Service and Managed Care. Although these plans differ, they both cover an array of medical, surgical and hospital expenses. Most cover prescription drugs and some also offer dental coverage.
Long-Term Care Insurance
Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed). These six actions are called Activities of Daily Living–sometimes referred to as ADLs. In general, if you can’t do two or more of these activities, or if you have a cognitive impairment, you are said to need “long-term care.”
Disability Insurance
There are two types of disability policies: Short-Term Disability (STD) and Long-Term Disability (LTD)
In addition to the traditional disability policies, there are several options you should discuss with your insurance agent when purchasing a policy.
Life Insurance
There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.
The best way to figure out the amount and type of life insurance that makes sense for your unique circumstances and financial goals is to meet with a qualified life insurance professional.
Business & Commercial Insurance
Commercial Auto
As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel — liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options.
General Liability
Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.
General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations including product liability, contractual liability, and other many other coverages.
Workers Compensation
As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.
Business Insurance
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