Chris Hobart, Independent Agent

03/14/2025

Continuing our series on auto insurance myths!

If My Friend Borrows My Car and Crashes, Their Insurance Pays… Right?

Not so fast! This is one of the biggest auto insurance myths out there.

❌ Myth: If someone else is driving my car and gets into an accident, their insurance covers the damage.
✅ Truth: Car insurance follows the car, not the driver. If you let a friend borrow your car and they cause an accident, your insurance is typically responsible—not theirs. 😬

💡Here’s how it usually works:
🔹Your auto insurance is the primary coverage for damages.
🔹 Your friend’s insurance may help as secondary coverage, but only in certain situations.
🔹 If the accident is serious, you could be on the hook for deductibles and increased premiums.

🚦 Before handing over the keys:
✔️ Make sure they have a valid license.
✔️ Check if your policy includes permissive use (coverage for occasional drivers).
✔️ Remember—you’re also taking on the financial risk.

Reach out to us if you have any questions on your policy!
(785)528-2777

01/17/2024

09/28/2023

Now that fall is here, it's time to think about some home maintenance to prepare for the fall and winter seasons.
Here are a few tips:

1) Clean out your gutters to get rid of debris.
2) Inspect your roof for any damage or missing shingles and repair as needed.
3) Service your heating system to ensure it's working efficiently.
4) Seal any gaps around windows and doors to prevent cold air from seeping in.
5) Trim any tree branches near your home to prevent damage from falling limbs.
6) Clean air ducts, chimneys and fire places

Taking these steps now can save you from costly repairs later on. As always, if you have any questions about home insurance and what it does and does not cover, we're here to help.
Contact us today! (785)528-2777

06/19/2023

Happy Father's Day to all the amazing dads out there!
Here at Lakefront insurance agency, we know how important it is to protect your family's future. That's why we offer personalized insurance solutions to fit your unique needs. Cheers to all the dads who put their families first!

06/13/2023

🟢 Topeka Youth Project 🟢 - https://mailchi.mp/d2b0b21de8b0/topeka-youth-project
💥Please take a moment to learn about Topeka Youth Project. 💥
💚 We would love to make connection with your business! 💚

06/13/2023

It's baseball season!
Just like having home field advantage in baseball, having a local independent insurance agency on your side can give you an edge when it comes to protecting your assets.
At Lakefront, we understand the unique needs of our community and provide personalized insurance policies tailored to your specific needs. From homeowner's insurance to auto insurance, we've got you covered every step of the way.
Trust us to be your MVP this baseball season and all year round.
Let's hit a home run together! 🏆⚾️

06/09/2023

What vacations do you enjoy most? Cruises are my happy place.