Mary Schepp of Brightway Insurance, The Janicki Agency

01/22/2024

I understand that I do not have a billion followers on my business page.. but for those that are kind enough to support me I will be closing out this page. My partnership with Joe is not going anywhere any time soon and I feel that our efforts are better served if our efforts to inform, educate, and serve you all fall under the main agency page. So if you aren't already following it, if you could kindly like and follow our team on the Brightway Insurance, The Janicki Agency page it would be much appreciated!!

And as always, we are always here for all your insurance needs!! :)

07/25/2023

Is My Child Covered Under My Car Insurance?

Before they get their license, your child may be covered as a permitted driver, depending on your carrier. If they are listed on your policy, once legally licensed to drive, your teen has the same coverage levels and deductibles as you do.

If you only have liability coverage to protect against property damage and bodily injury that you cause to others, your licensed teen will have the same coverage when they start driving under your insurance, if they’re added to your policy.

Your policy may also include comprehensive and collision coverage, especially If the vehicle is leased or financed as your lender may require it. These same protections (often mislabeled as full coverage), apply to your licensed child when driving, too, if they’re added to your policy.

Car insurance typically follows the car, not the driver. This may allow your coverage to extend to someone borrowing your car, often called permissive use. However, if a licensed driver is going to be driving your car regularly, like your teenager, they must be added to your policy.

Insurance companies are in the business of assessing risk. They set your premiums based on the level of risk that you and your household represent. To accurately assess your risk, they must know about all licensed members in the household and others who will regularly be driving your vehicles.

Insurance is there to protect you financially from losses you may encounter on the road. Your carrier needs to know all the drivers of your vehicles to protect you correctly. If you don’t add a regular driver of your vehicle to your policy, like your licensed teen, they may not be covered. All carriers require you to list all licensed drivers in the household and either include or exclude them from coverage.

One of the most important assets you may have, is your ability to earn an income. Heaven forbid you are forced to liquidate assets or suffer a wage garnishment to pay off the debt from a denied claim due to an undisclosed driver.

What Happens If I Don’t Add My Teenager to My Car Insurance?
“Hiding” your teen from your auto insurance company is always a bad idea. If your teenager causes an accident or is liable for any type of claim, and your insurance company did not know about them, they can deny you coverage. This means you and your teen would be personally liable for all damages.

Moral of the story… list all legally licensed drivers in your home and those that use your vehicles regularly. 😁

05/26/2023

05/19/2023

May is Motorcycle Awareness Month, the perfect time to check in with your Brightway agent and see how much you could save on Motorcycle insurance.

03/25/2023

At Brightway Insurance, The Janicki Agency (160 E Main Street, Lake Zurich, IL) we do NOT charge additional broker/franchise fees.

We would have never thought to advertise this… but we have had numerous people ask lately if we do.

As an independent agency we have the ability to offer options from many insurance companies, but you should never have to pay an extra fee for that service.

We would be more then happy to run quotes for you. Whether we find you a better premium, or simply determine that you are already have a great coverage for the premium paid. We are here to give you peace of mind and help with all your insurance needs.

We are licensed in Illinois, Wisconsin, Indiana, Florida, Kansas, Missouri, and are happy to help at any time with your insurance needs.

847-807-3200

Brightway, The Janicki Agency, is not your typical independent insurance agency. We’re a Brightway agency, which means we have relationships with many insurance companies and can offer you expert advice as well as more choice than any other independent agent. Getting started with us is simple: we....