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Posts made in February 2019

What to Do When You’re Involved in a Car Accident

two vehicles after a rear-end collisionThe moments following a car accident are scary, and it’s not always easy to remain calm and think clearly. However, certain steps need to be taken to protect yourself and your interests.

  1. Determine the extent of injuries and damage.
    Worry about yourself and the passengers in your car first. If children are involved, it is best to call an ambulance if you’re not sure if they are hurt. Adrenaline can make people numb to the pain at first, so it’s best to be safe rather than sorry when it comes to an automobile accident.
  2. File an accident report with the police.
    Any witnesses may have already called the police, so make sure they have been notified of the accident and are sending an officer over. Even minor accidents need to be reported. Do not leave the scene until the report is complete.
  3. Get the Facts.
    It is easy to forget
    to obtain the other party’s information immediately following an accident, but this is very important for your protection. Take down license plate numbers, contact information, and insurance information. This will protect you in case the other motorist leaves the scene before the police arrive.

  4. Call your insurance company.
    Once you have given your report to the police and obtained the other party’s information, call your auto insurance agent in Peoria, AZ. You will be given a claim number that you will need to reference in any future communications with your insurance company regarding the incident.

What Does Your Insurance Protect You From?

luxury home in ArizonaMost homeowners have insurance policies to protect their home and possessions against loss. A loss could be caused by factors including fire and theft, as well as wind damage from natural storms like storm surges and hurricanes.

Rather than basing your policy on the size of your home’s structure, you should have an estimate of what your possessions are worth. If you were to only base your policy on how large or small your home is, you would not have enough funds to replace all of your possessions if something were to happen.

In addition to protecting your possessions and the structure of your home, you will be protected from personal liability. This means that if someone gets injured while in your home or on your property, they cannot bring a lawsuit against you. This type of protection covers the cost associated with hiring an attorney. It may also include protection against paying the medical bills or the damages done to the property.

Finally, homeowners insurance in Peoria, AZ, is also required by most lenders. This protects the lender’s investments in case there is damage that is caused by weather, fire, or vandalism. A homeowners insurance policy must equal at least the balance of your outstanding mortgage loan.

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