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Posts made in July 2019

What to Do When Someone Gets Hurt on Your Property

man with cast on his legThe idea of a guest sustaining a serious injury while visiting your home may seem outlandish, but every year, plenty of homeowners find themselves facing lawsuits for that very reason. Life can be unpredictable, and sometimes visitors on our properties get hurt for one reason or another. Here are a few things you should know about these situations:

You can be sued for medical fees, legal fees, and more. If the injured party seeks medical treatment and sues you for the cost, they can also sue you for the costs of any legal counsel they retain. They may also sue you for damages done to their property as a result of your negligence–for example, if a tree on your property falls onto theirs.

Personal liability insurance can help mitigate the consequences. Depending on your insurer, your personal liability insurance in Peoria, AZ, could help protect you from lawsuits and cover the costs of damages mentioned above. Some policies even provide coverage for property damage you cause elsewhere than your own property.

You may already have personal liability coverage. Many homeowners’ insurance policies have personal liability insurance coverage built into them. It’s a good idea to check with your provider to make sure you’re protected and shop around if you’re not.

Adding Your Child to Your Car Insurance Policy

teenage girl behind the wheel of a carPassing the car keys to your teenager is as exciting for them as it is terrifying for you. Before your child gets behind the wheel, though, it’s well worth your time to research your insurance options. This can help allay your fears, as well as keep you and your teen informed going forward.

A good first step is determining whether your child needs to be added to your insurance policy when they get their learner permit or when they get their license. This varies by insurer, so be sure to talk directly with a representative to be certain.

Many families simply add their teens to their existing auto insurance in Glendale, AZ, but it’s a good idea to shop around for cheaper plans. Your current insurer may not be able to add your teen as affordably as another insurer. Switching could help you save in the long run.

Finally, take time to ensure you’re on the same page with your child regarding the coverage and your expectations. Good drivers are often eligible for discounts thanks to their clean records, and as your son or daughter grows older, they may want to take advantage of such discounts when they get their own policies. Reinforcing the importance of safe driving from an early age benefits you both.

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