FAQ
Below you will find the questions about insurance that are most commonly asked along with the answers to the questions. If the information you seek cannot be found, please contact me directly. I will gladly answer any questions you may have or help you resolve any problems.
Q: How do I place a claim?
A: I recommend that any claim be discussed with me first before making contact with the insurance company. Of course, if it’s after regular business hours or I can’t be contacted, you always have 24/7 contact with the insurance company to place a claim. It’s always a good idea to “think things through” before placing a claim to consider what your policy has to say about coverage limits.
Q: When do I report a change in my insurance needs?
A: Items such as: adding a newly purchased vehicle, adding a young driver, or increasing your Replacement Cost because you just added square footage to your home, please contact me and I will recommend the best course of action.
Q: What do I do in case of emergency?
A: Whether it’s a serious automobile accident or a house fire, make sure that people and pets are safe and call 9-1-1. In the case of auto accidents, it very important to exchange information with the other party and obtain witnesses if possible. Try to stay calm. If police assistance is necessary, it’s useful to get an accident report. Of course, you should call your agent or the Company to report a claim as soon as possible.
Q: How can I get better rates?
A: With regard to auto insurance, the kind of car you drive, miles driven per year, years of driving experience are some of the key factors that determine rates. If you’re shopping for a replacement vehicle, consider several makes and models. I can run quotes on each to see which one would be the least expensive to insure.
With regard to homeowner’s insurance, prevention devices such as burglar and fire alarms that are connected to a central service help with rates.
The best way to reduce rates is to combine auto and home together (if we haven’t already done it!).