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500 Bic Dr, Suite 102
Milford, CT 06461

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White Oak Insurance LLC Blog

How Do I Know if I Have Enough Auto Insurance?

At White Oak Insurance LLC, in Milford, CT, we offer customizable insurance policies to meet your unique needs. We offer auto insurance, as well as other types of coverage. 

Coverage Requirements in Connecticut

Connecticut drivers are required to have liability insurance. The minimum requirement is $25,000 for bodily damage liability, up to $50,000 per accident, and $25,000 in property damage liability are required. 

However, this isn’t enough for most drivers. 

How Much Liability Coverage Do I Need? 

Insurance experts recommend that drivers have $100,000 in bodily damage liability, up to $300,000 per accident. This will allow your policy to cover expected medical costs if someone is injured in an accident that is your fault. 

They also recommend $100,000 in property damage liability, which will cover the property damage in most accidents. 

Under/Uninsured Motorist Coverage 

Liability coverage includes under/uninsured motorist coverage at the same coverage limit as your bodily injury liability policy. However, you can purchase up to double this amount. This covers you and your passengers if you are injured in an accident and the other party doesn’t have liability coverage or inadequate coverage. 

Experts recommend at least $100,000 and up to $300,000  in under/uninsured motorist coverage. 

Other Types of Coverage 

If you have a lien against your vehicle, you are required to carry comprehensive coverage, which includes collision and comprehensive coverage. However, if you can’t afford to replace your vehicle, you should consider this coverage even if it isn’t required. 

If your lien is more than your vehicle is worth, you should consider gap coverage to make up the difference.  

Give Us A Call

If you aren’t sure if you have adequate auto insurance coverage in Milford, CT, contact us at White Oak Insurance LLC. Our knowledgeable agents can discuss your policies and ensure that you have the coverage you need. 

Three signs that you need to update your commercial insurance policy

The insurance coverage needs of your company can change over time. That’s why it’s important for business owners to periodically update their policies. At White Oak Insurance LLC, we can help you with updating your insurance coverage on your company in Milford, CT. 

The following are three signs that you need to update your commercial insurance policy:

You’re getting involved with new operations.

If you’ve changed your operations by manufacturing a new type of product or offering new services, your company might face new risks. This means that you need to update your coverage to protect yourself against these new risks to ensure the financial health and security of your company. 

Your company has grown.

Larger companies need more commercial insurance coverage. When your company is larger, it typically means that you have more employees and that you’re dealing with more customers. A larger company also most likely has more facilities and equipment.

Reevaluate your commercial insurance policy if your company has grown significantly since you first purchased your policy. 

You’ve invested in new equipment or properties. 

It’s important that your commercial insurance covers your company’s assets. Assets including your equipment and your commercial facilities are valuable and require large investments of capital.

Make sure that your commercial insurance policy insures you up to the full value of your company’s equipment and real estate. You definitely need to update your policy if you’ve made large investments in these types of assets without changing your coverage amounts. 

Is it time to update your commercial insurance policy?

We’re here to help. Call us at White Oak Insurance LLC for commercial insurance coverage for your business in Milford, CT. 

How is classic car insurance different from other types of insurance?

White Oak Insurance LLC has been serving Milford, CT area vintage vehicle owners with classic car coverage options, and at times we get asked to compare these policies with auto insurance. Classic car insurance has a few differences from auto and other types of insurance. Keep reading to find out what these differences are and what classic car insurance has to offer.

Classic car insurance vs auto insurance

One of the most crucial differences between classic car and auto insurance is how the insurance agency determines the car’s value. Regular auto insurance goes by the car’s age and depreciation value. If you tried to get auto insurance for your classic car, you would get very little coverage based on the depreciated value. If you tried to insure the same classic car with the right insurance, you would get more insurance coverage.

Classic car insurance goes by the value you and the insurance company agree on. If you have a classic car, it can be worth a lot of money depending on how old it is and any additions you might have added to it.

Classic car insurance has a few requirements that auto insurance doesn’t have. To qualify for classic car insurance, you must have a separate vehicle with regular auto insurance as a designated everyday vehicle. You can’t use your classic car as the car you drive every day. You also have to have a safe, covered place to store your classic car out of the way of potential damage.

Just like with auto insurance, classic car insurance requires a minimum amount of liability insurance. Although classic car insurance requires liability, it is much cheaper than auto insurance because your classic car is not considered a daily driver.

Get Classic Car Insurance Today

Now that you know some of the key differences between classic car insurance and auto insurance, you can contact us about your classic car insurance needs at White Oak Insurance LLC in Milford, CT.

How Umbrella Insurance Works

If you have at least one vehicle and a house, chances are that you have a home insurance policy as well as an auto insurance policy. Both of these types of insurance have different kinds of coverage within the policies. Each type of coverage gives you a specific type of protection, and one of these types is protection in case of accidents. When you need more of this coverage, you can get an umbrella policy to provide it.

To get started, call us at White Oak Insurance LLC in Milford, CT.

Liability Coverage

With your home and auto policies, liability coverage is an important part of these policies. The liability coverage of each one pays for medical costs and certain other costs that are due after there is an accident that you’re liable for. When someone has an accident in your home, you are responsible for any bills that come next.

The same is true if you are in an auto accident that is your fault and someone else is injured. Your home and auto policies pay for these bills. When you have umbrella insurance, it adds a higher amount of liability coverage to both of these policies. Umbrella insurance can save you an enormous amount by having a huge maximum payout. 

Using Umbrella Insurance

With an umbrella policy, you have much more liability coverage than with your home and auto policies alone. It adds coverage to both of these policies so that you won’t be stuck with overages. Your auto or home policy comes in first to pay as much as it can, and after that, your umbrella insurance comes in and pays the rest of what you owe for medical and other bills. 

Get The Right Coverage For Your Needs

When you need more coverage to protect yourself financially, call us at White Oak Insurance LLC. We proudly serve the greater Milford, CT region.

Does my auto insurance policy cover me when I drive in Canada?

If you live in Milford, CT, going on a road trip to Canada is an amazing way to spend your vacation. But will your auto insurance policy cover you while you’re there? White Oak Insurance LLC is happy to assist with all your queries. 

Here’s what you need to know before crossing the border:

Your Domestic Policy

If you have a standard auto insurance policy, chances are it won’t cover you for anything that happens outside of the United States and its territories. However, if your policy does include coverage for Canada, it typically only applies to Ontario and Quebec. If you plan to drive through other provinces, like British Columbia or Alberta, you will most likely need additional coverage.

Rental Car Coverage

If you’re renting a car while in Canada, your domestic auto insurance may not cover the rental vehicle either. That said, some credit cards offer secondary coverage for rental cars when they are used overseas, including in Canada. If something happens while driving the rental car and your primary insurance doesn’t cover it, your credit card company could pick up the tab instead. It is important to check with both your insurer and credit card provider before leaving to ensure that all of your bases are covered.

Canadian Auto Insurance Policies

If neither of these options appeals to you, then another option would be to buy an auto insurance policy from a Canadian insurance provider specifically for your trip. White Oak Insurance LLC can help you find the right policy for your needs before you leave Milford CT. Still confused? Contact us today, and we’ll answer all your questions.

More Than One Business? Your Commercial Insurance Might Cover That!

If you or your family have more than one business in Milford, CT, you might wonder if your commercial insurance policy from White Oak Insurance LLC can cover more than one business. The answer is maybe! It all depends on the details of your policy. Let’s take a closer look at how commercial insurance works and whether or not it can cover more than one business.

How Commercial Insurance Works

Commercial insurance is a type of insurance that helps businesses protect themselves from financial losses. This can include losses due to property damage, liability, or even theft. Commercial insurance can help businesses keep their doors open after an unexpected event by helping to cover the cost of repairs or replacements.

Can Commercial Insurance Cover More Than One Business?

It depends on the details of your policy. Some commercial insurance policies will only cover one business, while others will cover multiple businesses. If you’re not sure whether or not your policy covers more than one business, the best thing to do is check with us. We can give you specific information about your policy and what it covers.

Contact Us Today

If you have more than one business, you might wonder if your commercial insurance policy can cover more than one business. The answer is maybe! It all depends on the details of your policy.

Be sure to check with White Oak Insurance LLC to find out exactly what your policy covers. In most cases, commercial insurance can help protect your Milford, CT businesses from financial losses due to property damage, liability, or even theft. Having this type of coverage can help you keep your doors open after an unexpected event.

Demystifying Common Myths About Auto Insurance

There are many myths about auto insurance, which may crowd your judgment when purchasing car insurance. White Oak Insurance LLC in Milford, CT is here to set the record straight.

Here are the common car insurance myths we would like to debunk:

Myth#1: Red cars attract high premiums

This myth is grounded on the fact that red cars are assumed to be fast, hence attract high insurance rates. Among many factors considered in calculating your premiums, color isn’t one of them. So, don’t be afraid to purchase your dream red car because of the high insurance rates.

Myth#2: comprehensive coverage protects you against all risks

This perhaps stems from the word “comprehensive.” Your comprehensive car insurance only covers you against non-collision perils, like fire, theft, and falling objects. This means you should consider other car insurance policies if you want optimal protection. Other coverage options you can consider for your car include liability coverage, medical payments, collision coverage, and uninsured/underinsured motorist coverage.

Myth#3: If your friend borrows your car, their insurance covers your vehicle

That’s a blatant lie. Only your car insurance — and not someone else’s — will cover the associated losses caused by your vehicle. So if your friend borrows your car and causes an accident, it’s your car insurance that will cover the resulting liability costs and own damage.

Myth#4: Your insurer pays for the auto loan if it’s totaled

If your car is written off or stolen, your insurer will compensate you for the fair market value of your vehicle. Sometimes, this could be significantly less than the outstanding loan balance. It’s the responsibility of the owner to pay the difference. Unless you have gap insurance, you will have to pay for the difference from your pocket.

Get Auto Insurance Today

Need to learn more about car insurance in Milford, CT? Please get in touch with White Oak Insurance LLC.

What to Look For When Buying Classic Car Insurance

Are you a classic car enthusiast? If so, you know that classic cars are a unique type of vehicle. They often have a higher value than newer models and require special care when it comes to maintenance and repairs. When insuring your classic car, it’s essential to find an insurance policy that meets your specific requirements. Consult with White Oak Insurance LLC in Milford, CT for all your insurance needs, including coverage for your classic car.

Here are a few things to look for when shopping for classic car insurance:

Assess Your Insurance Needs

The first step in finding the right classic car insurance is to assess your insurance needs. Ask yourself how often you plan to drive your classic car and what type of coverage you need. For example, if you only plan to take your car out for special occasions, then you may not need comprehensive or collision coverage. However, if you plan to drive your vehicle regularly, you’ll want to ensure you have the appropriate coverage in case of an accident.

Compare Rates

Once you know what coverage you need, it’s time to start shopping around for rates. Be sure to get quotes from multiple insurance companies so that you can compare rates and coverage options. When analyzing rates from different insurance providers, ensure that you’re comparing apples to apples. In other words, make sure that the coverage limits and deductibles are the same so that you can accurately compare rates.

Check the Company’s Reviews

It’s also a good idea to read reviews of different insurance companies before making a decision. This way, you can get an idea of the level of customer service and claims processing you can expect. You can find reviews of different insurance companies online or by talking to friends and family who have classic cars.

Read the Fine Print

Once you’ve found an insurance policy that meets your needs at a price you can afford, it’s essential to read the fine print before signing on the dotted line. This way, you’ll know exactly what’s covered and what’s not. For example, some classic car insurance policies may not cover repairs if your car is involved in a collision with another vehicle. Others may only cover certain types of damage, such as fire or theft.

Choose the Right Policy Today

Choosing the right classic car insurance doesn’t have to be difficult. By following these simple tips, you can be sure to find an insurance policy that meets your needs and budget. Then you can focus on enjoying your classic car without worrying about the financial repercussions of an accident.

If you’re looking for the best insurance coverage for your classic car, look no further than White Oak Insurance LLC in Milford, CT. Our team of insurance experts will work with you to find the perfect policy for your needs. Contact us today to get started!

How Umbrella Insurance Works

When you have insurance policies for your home and vehicle, you may believe that you already have enough insurance in case of serious incidents and accidents. However, it may be that you don’t have as much coverage as you need. Liability coverage is important to have with the high cost of medical bills, and many home and auto policies don’t have very much of it. To remedy this problem, many people get umbrella insurance.

To find out more about these policies, call us at White Oak Insurance LLC in Milford, CT.

Home, Auto, and Umbrella Insurance

Having home and auto insurance is important for protecting yourself financially as well as protecting your largest investments. When you have both home and auto insurance, you may have little in the way of liability coverage in those policies. When this is true, you can boost the liability coverage of both policies at the same time by getting an umbrella policy. This policy adds more of this coverage so that you are better protected in case there is a serious accident that costs a lot in medical bills. 

Using Umbrella Insurance

Umbrella insurance works a little differently than many other types of coverage. It doesn’t come in first after an accident has happened to pay what is owed. Instead, your auto or home insurance will come in first after an accident to pay for the medical bills of someone who is injured in an accident that you are liable for either with your vehicle or in your home. After that, any overage that is still due after this policy has maxed out will be paid by your umbrella insurance policy. 

Get Your Umbrella Policy

When you want more liability coverage, give us a call today at White Oak Insurance LLC in Milford, CT to discuss umbrella insurance. 

Connecticut’s Best Weekend Drives

With so many great weekend getaways in Connecticut, you may be wondering where to go first. Luckily, many beautiful, fascinating, and unique places throughout the state are perfect for Milford, CT residents. Let White Oak Insurance LLC present some of our favorite weekend drives across this beautiful state. Before you hit the road, however, make sure you have the right insurance coverage for your vehicle. 

Explore Connecticut With Auto Insurance Coverage From White Oak Insurance LLC

New Haven to Stonington Coastal Drive

Connecticut’s coastline is one of the state’s most visually stunning features. The drive from New Haven to Stonington will take you through beaches full of golden dunes and sandy shores. Stop and enjoy the view at numerous coastal towns along the way. Make sure to visit The Katharine Hepburn Cultural Arts Center and the Florence Griswold Museum, both excellent museums that offer unique and educational experiences.

Salmon River State Forest

This winding scenic drive is perfect for those who like to stop for some fishing or hiking along the way. The Salmon River State Forest is full of wildlife and beautiful scenery. Stop by the Day Pond, a popular spot for locals to gather and play some Frisbee or read a book.

CT State Route 169

Enjoy the scenic villages and woodlands of the Quinebaug and Shetucket Rivers Valley National Heritage Corridor. This drive is an excellent destination for peace, quiet, and nature seekers. Massive trees line your path, and the route will lead you through roads lined with ivy. The ideal time for this drive is autumn when the foliage turns color to quintessential American backroads driving.

Get The Right Auto Insurance Before You Explore

Connecticut is a state filled with beauty and history. With so many places to visit and so many ways to explore, there’s no better place to spend a weekend driving. White Oak Insurance LLC can help you drive with less worry by having an excellent auto insurance policy. If you’re a resident of Milford, CT in need of car insurance, please don’t hesitate to reach out to us today!


States Served

  • Connecticut
  • Massachusetts
  • Rhode Island
  • New Hampshire
  • Vermont
  • Maine

Partner Carriers

  • American Commerce
  • American Modern
  • AmTrust
  • Banner
  • Chubb
  • Dairyland
  • Foremost
  • Guard
  • Hagerty
  • Hanover
  • Harleysville
  • John Hancock
  • Kemper
  • Liberty Mutual
  • Lincoln Life
  • MetLife
  • Narragansett Bay
  • National General
  • National Grange
  • New York life
  • Progressive
  • Prudential
  • Quincy Mutual
  • Safeco
  • State Auto
  • The Hartford
  • Travelers
  • Utica 1st