HWP Insurance

Auto Insurance is there to protect you from unexpected damage or accidents. It does not cover normal wear & tear or routine maintenance.

If your car stops running due to age, mechanical failure, or normal wear & tear, your auto policy will not cover the cost of repairs or a replacement vehicle.

However, if your car is totaled due to an accident, your insurance company will typically reimburse you for the Actual Cash Value (ACV) of the vehicle at the time of the loss. Keep in mind that coverage terms can vary depending on the carrier and the policy you've purchased. That's why it's important to review your auto policy carefully, so you know exactly what is included to avoid any surprises.

As your trusted insurance partner, we know your family and lifestyle deserve solutions that work for you.

Our portfolio of high‑net‑worth insurance carriers gives us the ability to tailor coverage to your unique needs. From luxury homes and fine art to complex liability exposures, you need a risk advisor with the access and expertise to safeguard your lifestyle.

Without the right coverage, you could be left underinsured and paying the cost yourself.

To start working with a risk management team that understands your needs, reach out to us today at [email protected] or visit our website.

While we welcome the fall weather, it also means the days are getting shorter and there’s more time spent driving in the dark.

So, if you find yourself behind the wheel after sunset, remember these tips from Nationwide.

🟦If you’re tired, try to avoid driving. Fatigue makes it harder to stay alert.
🟦Steer clear of two-lane highways to help minimize the unexpected blinding high beams of another car.
🟦Make sure your windshield and mirrors are clean to reduce any obstructions to your sight.
🟦Turn off unnecessary interior lights in your car, as they can be a distraction.
🟦Use high beams when necessary and don’t forget to switch them back for oncoming traffic.
🟦Drive slower so you have more time to react and anticipate unexpected distractions.
🟦Make sure your headlights are working properly and are at the right angle. If you can’t personally adjust them, an auto shop should be able to help you.

Driving at night takes extra focus. Stay alert for yourself and everyone else on the road.