Cochrane Insurance Agency Newsletter
July 2012
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.

Should I Let Someone Borrow My Car?

Should you let someone borrow your car? And, if an accident does happen, will that person be covered under your insurance policy?

Life happens. There are times when you need a friend to run an errand for you, a co-worker may need to borrow your car to do company business, or a family member may need to borrow your vehicle. What do you do? says:  “Generally, insurance coverage ‘follows the vehicle.’  As long as a driver has the vehicle owner's permission to use it, the owner's policy will provide coverage no matter who the driver is. Whether you're lending or borrowing a car, the vehicle owner's policy should cover injuries and property damages. "

There can always be exclusions within any policy. brings out one example: “If a girlfriend you live with uses your car, she may not be covered if you did not list her on your insurance policy. On the other hand, if you live separately, she could use your car with your permission and be covered.”  

It is always best to consult your independent insurance agent regarding specifics to your individual policy. These licensed professionals are qualified to help you make the right choices and clarify any confusion.

When Should I File An Insurance Claim?

When should I pay out-of-pocket?

You purchase insurance for life’s unexpected events and you trust your independent insurance agent  to help you find the right coverage for the best price.  When you have an accident, it is always a good idea to consult with your independent insurance agent before filing a claim.  He/she is there to look out for your best interest and may have more information that may affect your decision.

What Does Boat Insurance Cover?

Most Boats are Not Covered under Your Home Insurance

You love your boat. Even more so, you love the fun, relaxation, and memories your boat offers. Think of that perfect Sunday looking for that ever-evasive fish, teaching your kids to water ski, or simply skimming the waters in your sleek sailing vessel. Ahh. However, with the pleasures, so come the responsibilities: maintenance, restoration, storm preparedness, winterization, and, yes, insurance.

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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