DeKok Insurance Group, Inc.

507-226-8121 dekokinsgroup@gmail.com

  • Home
  • Our Team
  • Quotes
  • Claims Contacts
  • From Our Clients
  • Referrals
  • Resources
  • Contact Us

A Couple of Insurance Myths – Busted

April 16, 2012 By Jon DeKok

These comments are shared as fact. . .when in fact they are false.

  • No-fault insurance means it can’t be my fault.

No fault insurance does not mean that if you caused an accident you’re not responsible. This part of your insurance policy allows all parties to get payment for their immediate medical needs while the insurance companies of all parties are deciding who is going to pay.

Call your insurance agent to find out what no-fault insurance means in the state you live in. Most policies cover medical expenses (up to specific limits) and lost wages (for a specific amount of time) no matter who is at fault in an accident.

  • My friend borrowed my car, so she  has to pay for the damages. 

If you let someone else drive your car, and that person is involved in an accident, your insurance policy – not hers – will cover the damages.

Insurance follows the car, not the driver.

  • My laptop was stolen out of my car, but I have great auto insurance, so it’s covered.

Most car insurance policies don’t cover this kind of personal property. Your laptop or other stolen items might be covered by your homeowner’s policy, but your deductible will apply.

If you have insurance questions or want a quote, call me at 507-226-8121.

Jon

dekokinsgroup@gmail.com

[tweetthis]Insurance myths busted. #InsuranceMyths #GetTheFacts [/tweetthis]

Serving MN clients for almost 30 years, I specialize in home, auto, umbrella, business, and life insurance.

If you have any questions regarding your insurance or insurance in Minnesota, please call me at 507-226-8121.

Filed Under: Auto Insurance, Insurance Myths Tagged With: better coverage, better prices, DeKok Insurance Group, Insurance, Insurance Questions, Jon DeKok, MN auto insurance, MN business insurance, MN home insurance, MN insurance, MN Insurance Information, MN life insurance, MN umbrella insurance

  • Auto Insurance
  • Homeowners Insurance
  • Umbrella Insurance
  • Commerical Insurance
  • From Our Clients

Copyright © 2025 Jon DeKok · DeKok Insurance Group, Inc. 1027 7th St NW, Suite 208, Rochester MN 55901