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I am a licensed Property/Casualty agent in the state of Wisconsin, a Certified Insurance Counselor and a Certified Insurance Service Representive, with a 15+ year background in personal insurance underwriting. I am currently working in the Homeowners and Auto field, and was licensed in Life and Health insurance years ago. I can provide input if you will give me a "one paragraph what`s the story", however depending on the situation, do note that as policy forms and endorsements vary by the state, the information may be general and educational in nature.

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20+ Years



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Kahn03/18/16101010Thanks you have given me the info .....
Barbara02/22/16101010THANK you for your answer.
Jerry06/25/15101010Thanks Much!
Joe06/01/15101010Thanks for your quick and thorough reply .....

Recent Answers from Denise

2016-09-16 "His word vs mine" auto accident and insurance:

Hi Beth-  It depends on your insurance company.  You may lose an accident free discount, even if the insurance company didn't pay anything out on your claim, as they had expenses in investigating it.

2016-07-16 Can roomate sue me for damages to their truck:

Hi Vicky-  Good news for you.  While the Auto policy will generally respond with coverage to the extent that you carry, to a temporary replacement vehicle, you have to be legally liable for the policy

2016-04-27 life insurance:

Your mother committed the crime of forgery.  You will need to call the police, and probably get an attorney.  I believe an attorney could indeed argue they had no right to issue the check to someone who

2016-02-15 lapsed policy:

Sounds to me like you had a term insurance policy, which doesn't leave you with many options if you let the policy lapse.  If you don't come up with the money to reinstate it, there really isn't anything

2016-01-20 2 006 Honda Element driving problem:

Not sure how I can help you from a insurance standpoint.  As a trouble shooter, what I would try to do is look at the car schematics as to how the fuel injection system is controlled, as I would think


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