Emergency Insurance: It Could Save Your Livelihood

Does Auto Insurance Cover Tire Damage?

Posted by on 7:08 am in Uncategorized | Comments Off on Does Auto Insurance Cover Tire Damage?

Will your auto insurance come to your rescue if your tires get damaged? There isn’t a single answer to this question; it all depends on the nature of the damage and your auto insurance policy. Here are some of the situations in which your insurer may pay for tire damage:   Damage after Hitting Pothole Hitting a pothole can cause serious damage to your tires, including a puncture. Fortunately, that kind of tire damage is covered under collision insurance coverage. Collision coverage pays for car damage that occurs after hitting another car or object, such as a tree, rock, or pothole. Since collision coverage is optional, your insurer will only pay for pothole tire damage if you bought the coverage. Damage Due To Vandalism If the tire damage is caused by some wayward teenagers, then you will only be compensated if you have comprehensive insurance. Comprehensive insurance is also an optional coverage; it pays for damages caused by events that aren’t accidents. So when a natural disaster, such as an earthquake, damages your car, it is your comprehensive coverage that pays for it. Other damages that may be paid for by the coverage include fire, vandalism, and falling objects. Damaged Caused By Wear And Tear Car insurance is meant to pay for unexpected damages or losses, not normal wear and tear. Thus, you shouldn’t expect any compensation if the insurer determines that your tire damage is due to normal wear. For example, if you have been driving over rough roads for some time, your tires are likely to age and wear faster than motorists who use good roads. Unfortunately, your car insurance won’t pay for that kind of damage. Damage Caused By Tire Blowouts Tire blowouts are facts of life; every motorist experiences one sooner or later. Coverage for blowouts vary by insurer, but the general rule is that a blowout isn’t covered unless it results in further damage apart from the tires. For example, if you experience a blowout but manages to retain control of the car and doesn’t experience further damage, then your insurer isn’t likely to pay you anything. However, if you lose control of the car and hit another object, the subsequent damage may be covered, but not the damage to the tire. It’s best to clear up these things before buying car insurance so that you can add any rider or additional coverage if necessary. If you have experienced tire damage, and you don’t know whether it’s covered or not, scrutinize your policy or talk to your agent for clarity. In some situations, you may get compensation for tire damage even if it’s not from your insurer. For example, the manufacturer’s warranty may come to your rescue if it hasn’t expired.  ...

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Are You Covered? Typical Coverage Scenarios For Five Natural Phenomenon

Posted by on 8:06 am in Uncategorized | Comments Off on Are You Covered? Typical Coverage Scenarios For Five Natural Phenomenon

Your home’s primary purpose is to protect you from the elements. For the most part, they perform this task admirably. But occasionally, Mother Nature’s attacks can lead to costly damage. At times like these, it is important to understand the typical coverage characteristics of most homeowner’s insurance policies.   Each homeowner’s insurance policy is different, and you should always work closely with your insurance agent to ensure that you understand the specific details of your plan; but most common insurance policies treat different natural phenomena as follows: Floods Floods are rarely covered by standard home insurance policies; a separate policy (commonly known as an addendum or rider) must be obtained from the federal government to enjoy flood protection. In most cases, it is wise to consult flood hazard maps to determine the relative threat your home faces. Earthquakes Damage stemming from earthquakes, mudslides and sinkholes is typically not covered by homeowner’s insurance policies. However, geography plays an important role in this equation; policies written in California, for example, often include earthquake protection. Tree Failure Most homeowner’s insurance policies provide coverage for damage arising from anything falling from the sky, including trees and branches. However, you will usually have to pay your deductible unless the tree originated on your neighbor’s property, in which case your insurance company may sue your neighbor’s insurance company. Should your insurance company prevail, you may be reimbursed for your deductible. However, fallen trees that do not block access to driveways or damage your home (or any other building on your property) are generally not covered. For example, your policy may not pay for the repairs that result from a tree falling across your lawn or garden. Mold Mold – unless arising through the negligence of the homeowner or a natural flood – is often covered by homeowner’s insurance policies. Additionally, if the mold arises from your failure to take reasonable precautions, your policy may not cover the damages. For example, if a falling tree creates a hole in your roof, and you do not cover the hole with a tarp in a reasonable amount of time, you may find yourself paying to have the mold eradicated. Lightning Lightning is generally treated like most other threats that hail from the sky – most homeowner’s insurance policies cover not only damage caused by lightning, but also any fire damage that follows in its wake.  Most homeowner’s insurance policies even cover damage to trees caused by lightning, although some policies only provide coverage for trees located within close proximity to your home.  For more information, contact Kuresman Insurance or a similar...

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Fighting Rising Waters: 3 Ways To Keep Water Out When The Flood Waters Are Still Rising

Posted by on 6:02 am in Uncategorized | Comments Off on Fighting Rising Waters: 3 Ways To Keep Water Out When The Flood Waters Are Still Rising

When the waters of a flood start to rise and to come into your home, you want to be able to fight back. The only problem is that you may not have industrial sump pumps to keep the water out. There are some things that you can do to try to minimize the water that does get into your home. Here are some ways you can fight back against rising flood waters and reduce the water damage that it is inevitably going to cause to your home: 1.  Building Levees To Stop Rising Waters From Entering Your Home As flood waters rise, they may be getting close to your home but not gotten in yet. Before they do get in, you may want try to keep them out with a small levee, which can be made by piling sand bags, dirt or debris around low entrance areas. To prevent materials from washing away, cover them with plastic — rolls of plastic will work best but garbage bags will also work. 2. Find Any Available Hose To Use To Siphon Water Out Of Your Home One of the simplest ways to start getting the flood waters out of your home is to siphon it out, which can be done with any type of hose or pipe in your home. You can prime the hose to get suction by filling it with water at an outdoor faucet. Garden hoses work good for this, but if you have access to a wider hose, such as a pool vacuum hose, you will be able to remove a higher volume of water. 3. Use Any Small Pumps That Are Available To Start Pumping The Water Out Any type of small pumps that you can find can work for keeping flood waters out. If you have pumps for things like garden water features or a small pool filter, put them to work pumping the water out. Submersible pumps can also work really well to get water out. If you use indoor pumps, like those for an indoor fountain or fish tank, be careful not to completely submerge them in water to avoid electrical hazards. It is best to use a longer hose when possible. 4. Wet/Dry Vacuums To Start Sucking Up The Soggy Mess Caused By The Floods Wet/dry vacuums can be a great resource to clean up any type of mess around your home. During a flood, they can be used to get water out. You can even adapt the lid of the vacuum to fit a larger bucket to get water out of hard to get to places. When the waters subside, these vacuums can be an essential cleaning tool to help you clean up the mess. These are some of the ways you can fight the rising waters of an unfortunate flood. Once the waters recede, the cleaning process will begin. If you do not have flood insurance, you may want to contact an insurance agent, like United Insurance Agency Inc, to buy home insurance that includes coverage for flooding to protect you if the waters rise again....

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3 Common Ways To Lower Your Car Insurance

Posted by on 6:41 am in Uncategorized | Comments Off on 3 Common Ways To Lower Your Car Insurance

If you’re a car owner, you know that one of the biggest issues revolving around owning a car is purchasing car insurance that is right for you that is both all encompassing and affordable. Luckily, there are a few ways to lower the amount that you pay for car insurance. Throughout the course of this brief article, you will learn about just a few of those ways. Defensive Driving Course A number of car insurance providers will provide discounts to those who successfully complete a defensive driving course or series of defensive driving courses. Many of the institutions that offer such courses have partnerships with providers that allow for the provider to make this provision. A defensive driving course is a series of classes that tend to conclude with a number of different written tests and one final driving test. There are a number of matters on which you will be tested, including paying attention to all posted signage, driving the posted speed limit at all times, and heeding the instructions of signals you come across. Garage Use By storing your car in a garage, you can often save on the amount that you pay on your monthly insurance bill. The primary reason that this is the case is due to the fact that by parking your vehicle outside, you’re setting it up for potential physical trauma through an accident and you’re also exposing your vehicle to the elements, which can eventually lead to damage. If you have access to a garage, whether if it resides on your private residence or you pay for the use of a private parking garage, then you can generally save a significant amount on your insurance bill. Safety and Security Issues By making sure that your car has a premium number of safety and security features, you can wind up saving an ample amount on your monthly insurance bills. Many safety and security features are often offered as standard features of vehicles these days, such as airbags, anti-theft engine cut out systems, seat belts, and anti-lock brakes. You should discuss with a representative of your provider what sort of safety features may lead to you paying a significant amount less on your monthly auto insurance bill. Hopefully, this brief article has given you some idea of a few things you can do that will eventually lead to you paying less on your monthly auto insurance bill. For auto insurance, click on this link http://www.mattroenkerinsurance.com or do an online...

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College Student? Here’s How To Get The Lowest Car Insurance Rates

Posted by on 2:37 am in Uncategorized | Comments Off on College Student? Here’s How To Get The Lowest Car Insurance Rates

If you’re in college, you definitely live on a budget. When it comes to your car insurance, it’s another bill you need to worry about paying every month and sometimes it can be pretty costly. Fortunately, there are some things you can do to be proactive in order to get the lowest auto insurance rates possible. Here are a few tips to make sure you’re getting a great price on your car insurance so your budget isn’t being stretched too thin. Consider Your Car Insurance companies measure risk, so it’s only natural that a speedy sports car will  have a higher rate than a station wagon. Think about the type of car you plan to buy and find out if it will have a decent insurance rate attached. You may not need that gas-guzzling SUV for your first year of college so consider a four-door sedan instead. Other things to keep in mind include ant-theft devices, airbags, and anti-lock brakes. These safety features can help keep your insurance rates low. Many companies offer a discount for extra safety features, so look for those when you purchase a car. Keep It In The Family Now that you’re heading to college, you probably want to start doing more things on your own. But students who stay on their parents’ car insurance policy will see a much deeper discount than if they were to get a standalone policy. Most insurance companies give big discounts to families with multiple cars on one policy. They may even provide lower rates now that you’re enrolled in college. You can always offer to pay Mom and Dad the monthly fee so you’re still being responsible, but you will certainly get a lower rate if you stay on the family plan.  Keep Your Grades Up Some car insurance companies now offer discounts to students who have a certain grade average. They are rewarding your efforts with a lower rate, so be sure to study hard and make sure your GPA is high. Not only will a cheaper car insurance rate give you some incentive to do well in school, but you’ll also see the difference when you go to pay the bill each month. Another factor that comes into play is how far you are from campus. The closer you are to class, the lower your insurance rate should be. Consider these factors if you’re in college and need a car insurance plan so you can be sure you’re getting the lowest rate available. Contact a business, such as Green Light Auto Insurance Specialists, for more...

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Looking To Save Money On Car Insurance? Ask About These 3 Discounts

Posted by on 5:29 am in Uncategorized | Comments Off on Looking To Save Money On Car Insurance? Ask About These 3 Discounts

Anyone with a vehicle knows how important it is to have auto insurance. However, many people end up shorting themselves on their coverage because they cannot afford all of the extras. Instead of cutting out on the insurance you need, consider asking about some of the different discounts that are available to you. Check out three of the top discounts your agent can see if you qualify for below. Low mileage driver. While some individuals drive thousands of miles per year, others don’t. For those who don’t drive very much per year, you might be able to take advantage of the low mileage discount. This discount only applies to people who drive less than a specified amount of miles per year. Each insurance carrier will have a different threshold, so you will need to confirm the amounts with your agent. They will often need proof of your current mileage and updated documents each year to prove that you didn’t go over what they allowed. Credit union member. Since almost anyone can belong to a credit union today, it makes sense to see about getting your discount for belonging to one. Even if you don’t have an account right now, you can go out and get a savings account in mere minutes with only a few dollars down. Your insurance carrier will have you sign a form that says you belong to a credit union and your account is in good standing. They often just need the name of the credit union and your account number to give you this discount. Good student. Depending on if you are in college or you have a student in high school on your policy, you might be eligible for the good student discount. You often have to show the insurance carrier a copy of your report card showing your grades. They typically want to see A’s and B’s to be eligible for the discount. Each carrier offers a different discount, but it is definitely worth checking into to save on your insurance policy. While these are only a couple of the discounts available, there are countless others as well. You can take multiple discounts on your policy as well, which is going to help you save even more on your monthly premium. By going over the options with your insurance agent, you can afford to have the coverage you want at a price that is going to work for your...

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How To Get Your Teen Driver On The Road And Pay Less For Auto Insurance

Posted by on 3:34 am in Uncategorized | Comments Off on How To Get Your Teen Driver On The Road And Pay Less For Auto Insurance

If you have a new teen driver in your household, congratulations! Your days of playing chauffeur may be numbered and you’ll be undoubtedly appreciative of the convenience and help with errands that your teen driver can provide. Your teenager must be covered with auto insurance, of course, and unfortunately, the premium for people in this age group can be quite expensive. There’s hope, though. Read below to learn some tips for paying less to have your teen driver covered and on the road safely. Choose The Right Ride You may not fully appreciate how much the make and model of the car that your teen drives can have on your insurance rates, but it’s a factor that should not be overlooked. The insurance industry rates cars on safety and the likelihood of theft in determining your premium cost. For safety, the Insurance Institute for Highway Safety rates vehicles for their crashworthiness. When it comes time to buy or choose a vehicle for your teen to drive, you can save money on your auto insurance by avoiding the most commonly-stolen vehicles. You will likely find from your research that your sturdy, basic family sedan offers the best choice in vehicles when it comes to saving on insurance premiums. Be sure to consult with your auto insurance agent to get a quote before purchasing a vehicle. It should be noted that while older vehicles often offer a better bargain, they frequently lack the standard safety equipment used in newer models, like side air bags, anti-lock brakes and stability control. Finally, you can ensure that your rates are as low as possible by matching your teen driver up to the vehicle that you already own that is the least expensive to insure. For example, designate your teen as the driver of the family sedan rather than the s.u.v. Again, your agent can guide you through this process and help you get the most from your insurance dollar. Keep Track of Your Teen Driver Several major insurance carriers now provide valuable discounts for using a plug-in device that tracks driving habits, such as braking, speed, cornering, acceleration, etc. You can even set up an alert system that keeps you informed about a certain types of poor driving behavior, like sudden braking, sudden accelerations and consistently exceeding the speed limit. Back to School Don’t overlook online or classroom safety classes that target teen drivers specifically, and offer you insurance discounts upon completion. Most of these classes focus on teens accumulating a certain number of hours with an adult licensed driver and require a final quiz. By putting the above tips into action you can rest easier knowing that your teen driver is off to a safe, and budget-friendly...

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Why You Should Consider Buying Life Insurance When You’re Young

Posted by on 10:35 am in Uncategorized | Comments Off on Why You Should Consider Buying Life Insurance When You’re Young

When many people hear the words life insurance, they think about the death benefits that might be paid to the beneficiary of the policy. As a result, many young people don’t get life insurance because they don’t have anyone depending on them for income and they might not have anyone to be a beneficiary of the policy. However, this is a mistake. There are living benefits that an owner of a life insurance policy can get that benefit many people, including young people. Here are some benefits of purchasing life insurance when you are young. 1. You Can Lock in a Low Premium If you start purchasing life insurance when you are younger, you are probably going to be in much better health than a normal person is when he or she starts thinking about a life insurance policy. This means that you are less of a risk for life insurance companies than a person who is in failing health. These insurance companies will charge you a lower premium as a result. The benefit of being charged a lower premium when you are young is that many companies will allow you to lock in the premium that you are paying so that it never changes, even if your health should change. This means that you will be paying less for the rest of your life. If there is at all a chance that you would want to start a family or get into a relationship that would result in having someone you would want as a beneficiary, then you should consider getting life insurance when you are young. 2. The Money Isn’t Inaccessible If you decide to lock into a life insurance payment plan, you will be able to access the money that you are putting towards the policy. This will reduce the amount of money that your policy is going to be worth in the long run, but if you don’t yet have a beneficiary, this is not as big of a deal. Treat the money that you pay towards the life insurance policy as a savings account. If you need to pay off your student loans with your life insurance policy, you can always use the reduced financial strain that you will be under once your loans are gone to put more money towards your policy and build it back up again. For more information, talk to a company that specializes in life...

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How To Get The Most Of Your Home Insurance Claim

Posted by on 5:27 am in Uncategorized | Comments Off on How To Get The Most Of Your Home Insurance Claim

If your home has suffered from any type of damage, you are going to want to receive coverage for the repairs that need to be done. This will ensure that you are not paying out of pocket and you are saving yourself some money. In order to be sure that you are being covered fully, you will want to be sure that you are getting the most out of your claim. Here’s how to go about doing this: Review Your Coverage: The first thing you are going to want to do is review your coverage. You want to know what you are going to have to pay as far as deductibles go. You also want to know what damages are definitely going to be covered according to your policy. Understanding some of the word usage on your policy can be difficult, so it’s always best to do these things before an accident occurs. You can ask your insurance agent questions to guarantee that you are able to better understand what your policy fully entails. This way, when an emergency does arise, you know what to expect.  Hire an Adjustor: Your insurance company will send out an adjustor to evaluate the damages, but you may consider hiring your own adjustor, as well. Your own adjustor will write down estimates and determine approximate value of the property that has been damaged. You should save these documents and compare with the notes from the adjustor sent out by your insurance company. If there are any disagreements between the two adjustors, you can have your own proof that the adjustor from your insurance company may not have covered some areas.  Make Temporary Repairs: If there are any holes in the windows, roof, or walls, you will want to have these covered up right away. You also want to hire professionals to extract any water to prevent mold and mildew growth in the home. Be sure that you save receipts when you do this since your insurance company will likely reimburse you for these temporary repairs. By doing this, you can be sure that your insurance company cannot deny you for extended damages because you waited too long for repairs to be done. When you know how to get the most out of your home insurance claim, you can be sure that you are receiving as much coverage as possible to fully cover the cost of damages. Contact a company, such as Reinhardt’s Insurance Agency, for more...

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Is Your Car Insurance Agent The Best In Town?

Posted by on 5:22 am in Uncategorized | Comments Off on Is Your Car Insurance Agent The Best In Town?

If you’ve been working with a car insurance agent (like those at Affordable Insurance) for some time, they should take the time to get to know you and your needs. Not all agents or agencies are alike, and there are some important qualities in an excellent insurance agent that makes them stand out among the crowd. Here are some qualities that help make agents go above and beyond for their customers and sets them apart from the rest. They Know You Personally A great insurance agent takes extra time to get to know you. They understand your personal needs like how many family members are eligible drivers, what kind of cars you own, and the average number of miles you drive each year. All of this information can help them find you better rates, and it puts a more personal touch on the business relationship. Good agents will check in with their customers from time to time to find out if there’s anything they can do to improve their insurance experience, and if the customer has made any major life changes like getting married or having children that could affect their rates. A personable agent can build lasting, solid relationships with customers that can last for years. Knowledgeable About Their Products Quality car insurance agents don’t just sell people policies. They have a thorough understanding of what their policies cover, what situations can affect the policy holder in terms of prices and deductibles, and what perks may be able to be offered. Agents who really stand behind their company and the coverage they provide will always know which coverage will work best for their customers. They can tell you about extra discounts you might not realize you’re eligible for. If your car has extra safety features, they will know that you can get a reduced monthly policy cost, for example. Involvement In Their Community An auto insurance agent who goes above and beyond shows a true care and concern for their local community. They know that their customers are also their neighbors, and this translates into their attitude and how they treat others. Agents who are active with local fundraisers or charity events can build a solid customer base as well as good reputation in the community. A willingness to help those in need and to create a tightly knit sense of community is paramount to establishing a real presence in the place they live. Your insurance agent should have all of these qualities and more to provide you with the best service experience possible and the confidence to know you’ve made the right choice for your car insurance...

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