Cochrane Insurance Agency Newsletter
I hope that you find these articles of interest. If you have a topic for future discussion, please let me know. Please call anytime we can answer questions or be of help with your business or personal insurance needs.


Rick Cochrane
Cochrane Insurance Agency
1075 N. Rodney ste 106
Helena, MT 59601


Cochrane Insurance Agents



We always appreciate your valuable feedback!

We value our relationships and would like your opinion about our agency. Any suggestions? improvements? compliments? We would appreciate hearing from you.

Did you know ...
Our office operates differently than most Insurance Agencies. We do not have any commissioned salespeople. Everyone is paid a salary rather than commission. We do this to make sure that your best interest always comes first rather than a paycheck. We are all Licensed Customer Service Representatives FIRST and then we have additional duties.

Authorized to offer you the AARP Auto
& Home Insurance Program from The Hartford

As your local independent agent, I am authorized to offer you the AARP Auto & Home Insurance Program from The Hartford.

I can provide you with a quote … issue your policy … and handle any customer service you may require.
Think of it as getting all the benefits of this one-of-a-kind auto and home program … with the local, personal service I’m proud to offer my customers.

In order to be Authorized to Offer this innovative insurance program, our agency has completed specialized training. All of us are well-versed in the program’s many features and benefits, so we can provide you with the best service possible.

Find out why millions of AARP members enjoy the value of this award-winning program.

Whether or not you’re currently an AARP member, I urge you to call or stop by for a FREE quote.


It can be difficult to remember the correct steps listed below while under stress at the accident scene. We can provide you with an insurance card and registration holder that details these exact steps for use at the time you need them most. Just drop by the office or give us a call and we will provide one for each of your vehicles.

  1. STOP immediately, but do not obstruct traffic.
  2. ASSIST injured. Have someone call police. Repeat after 5 minutes.
  3. SECURE names, phone number, addresses of other drivers, witnesses, injured persons.
  4. SECURE make, model license numbers of all cars involved.
  5. MAKE rough drawing of scene, showing position of cars and other details.
  6. DON’T hastily accept claim settlement at scene of accident.
  7. REMAIN calm, courteous and consistent in your version of accident.
  8. NOTIFY your insurance agency as soon as possible.


The typical homeowner’s insurance policy covers the house, the garage and other structures on the property, as well as personal possessions inside the house such as furniture, appliances and clothing, against a wide variety of perils including windstorms, fire and theft. The extent of the perils covered depends on the type of policy. An all-risk policy offers the broadest coverage. This covers all perils except those specifically excluded in the policy.

Homeowners insurance also covers additional living expenses. Known as Loss of Use, this provision in the policy reimburses the policyholder for the extra cost of living elsewhere while the house is being restored after a disaster. The liability portion of the policy covers the homeowner for accidental injuries caused to third parties and/or their property, such as a guest slipping and falling down improperly maintained stairs. Coverage for flood and earthquake damage is excluded and must be purchased separately.

There are basically six different types of coverage’s. Some may be required by law. Others are optional. They are:

  1. Bodily injury liability, for injuries the policyholder causes to someone else.
  2. Medical payments or Personal Injury Protection (PIP) for treatment of injuries to the driver and passengers of the policyholder’s car.
  3. Property damage liability, for damage the policyholder causes to someone else’s property.
  4. Collision, for damage to the policyholder’s car from a collision.
  5. Comprehensive, for damage to the policyholder’s car not involving a collision with another car (including damage from fire, explosions, earthquakes, floods, and riots), and theft.
  6. Uninsured motorist’s coverage, for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance.

Odd Auto Insurance Claim Statements

"I was on my way to the doctor with rear end trouble when my universal joint gave way causing me to have an accident."
"In an attempt to kill a fly, I drove into a telephone pole."
"I didn't think the speed limit applied after midnight"
"I pulled away from the side of the road, glanced at my mother-in-law and headed over the embankment."
"I collided with a stationary truck coming the other way"
"An invisible car came out of nowhere, struck my car and vanished."
"My car was legally parked as it backed into another vehicle."
"The indirect cause of the accident was a little guy in a small car with a big mouth."
"I saw her look at me twice. She appeared to be making slow progress when we met on impact."
"The accident occurred when I was attempting to bring my car out of a skid by steering it into the other vehicle."
"No one was to blame for the accident but it would never have happened if the other driver had been alert."

The purpose of this newsletter is to provide information about industry trends and news of general interest to our clients, potential clients and other professionals. Information about product offerings, services, or benefits is illustrative and general in description, and is not intended to be relied on as complete information. While every attempt is made to ensure the accuracy of the information provided, we do not guarantee the accuracy of the information.

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