Chunk's Advice Question:  If I wreck my new car will my insurance pay off the lease or loan? Chunk's Advice:  Great question, the answer is clearly “NO”.  When you drive off the lot, the value of your car falls faster than at any time during its life.  Often your brand new car is actually worth less than the balance on your loan at the end of the first month.  Also, if you spent your hard earned money to pay cash for the car you will fall over when you see how much value is gone in just a couple months.  Be sure to ask about “Lease/Loan Gap” insurance to avoid losing money on auto insurance losses. Ask about “Replacement Cost” for your car too, some companies are now offering limited replacement cost coverage for new cars and it is a great deal for you! Question: Chunk, do I have coverage if my dog bites someone? Chunk's Advice: I understand how your dog feels, sometimes people can get on your nerves. If you can't teach him the leg lift maneuver as a replacement to a bite, you need to make sure he is kept away from company and visitors. You are insured BUT insurance will be hard to find after a bite claim. Your loving pet may have to move away in order for you to find insurance. This happens because bite claims have grown into a billion dollar industry in America and your insurer is not willing to risk a second chance. Question: Chunk, does my homeowner policy cover floods or surface water that flows into my home? Chunk's Advice: No. Talk to the agents about a Flood Policy and remember, even a Flood Policy will not cover certain items in a finished basement.   Chunk is an unemployed English Bulldog who often sleeps the day away at Sutherin-Melling. He is a certified Therapy Dog and visits elderly residents at retirement homes. Your questions are welcome and maybe featured here. info@sutherin.com