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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.

How to Find the Best Homeowners Insurance in Arizona

luxury home in ArizonaWhen you finance a car, you must arrange an auto insurance policy before you leave the dealership. However, buying a home is a little bit different. While you may not be required to have homeowners insurance, it is still in your best interest to find the best insurance agents in Glendale, AZ, after you have secured your new house.

Research Consumer Ratings
Simply put, some insurers provide better satisfaction than others when it comes to handling claims. Should something happen, you can help ensure that your settlement will not be too small by choosing a company that has (at least) mostly-positive ratings from customers that have filed claims.

Research Common Claims in Your Area
Before securing an insurance policy, it may be a good idea to research some claims that have been made in nearby areas. Knowing what challenges the homeowners in your area most commonly face, such as water damage or fire/lightning damage, can help you make a smarter financial decision with an insurance agency that can work with your specific needs.

Compare Rates
While your mortgage lender will likely recommend a particular insurance company, this will not help you with getting the best rate. If you work with a trusted insurance agent in your area, the shopping and comparing of plans will be done for you – saving you both time and money.

How to Maintain Affordable Auto Insurance in Arizona

managing finances with notebook and calculatorResidents of Arizona are well aware that a car is a necessity to successfully living in The Grand Canyon State. The requirements regarding coverage are apparent, but it is important to speak with a qualified insurance agent to know which additional coverage is right for you and how much more that will cost.

While Bodily Injury Liability Coverage, Property Damage Liability Coverage, and both Uninsured and Underinsured Motorist Bodily Injury Coverage is required of drivers in Arizona, you may want to look into additional coverage.

Compare Prices and Ask for Discounts
Car insurance in Arizona is a requirement, but it doesn’t mean that you have to break the bank to afford it. Before you sign with the first insurance company able to obtain coverage for your car, it is essential to do some research to ensure you are not paying an arm and a leg for a policy.

Increase Your Deductibles
Increasing your deductible can substantially help reduce the costs associated with your auto insurance in Glendale, AZ. By increasing your deductible, your collision and comprehensive costs will be reduced.

Because car insurance is a requirement to drive a vehicle, you will want to do whatever you can to reduce the costs so that you can maintain affordable and reasonable car insurance premiums. To find the best insurance plan to suit your commercial needs, contact the agents at Henderson Anderson Insurance today at (866) 241-9005.

Auto Insurance for All Vehicles and Drivers in Peoria, AZ

woman smiling driver’s seat of a red sedanNo driver should be without auto insurance, and Henderson Anderson Insurance ensures that this is the case for drivers in the great state of Arizona. The Grand Canyon State is not so beautiful when you get in an auto accident while uninsured. Fortunately, Henderson Anderson Insurance offers motorists with insurance options from a wide variety of preferred carriers. As a leading provider of auto insurance in Peoria, AZ, our agency offers competitive rates that will help you lower your bills. If you have a new car and a large car payment, this can be an especially welcome relief to you.

Getting an affordable insurance quote is easy when you contact the agents at Henderson Anderson. Our team members are experts in auto insurance policies in the state of Arizona, and we can help you create a policy that is tailored to your needs. Whether you are seeking an auto insurance policy with a low or high deductible, our agents are determined to find the perfect plan for you.

Driving while uninsured is both illegal and dangerous. To ensure that you stay out of trouble and out of debt, contact our agents at Henderson Anderson Insurance for comprehensive insurance coverage today.

Find the Right Coverage with Henderson Anderson Insurance

Henderson Anderson InsuranceWelcome to the official blog of Henderson Anderson Insurance. We will use this space to discuss our services and general information and tips about insurance in Arizona.

Insurance quotes in Arizona can be difficult to obtain. At our agency in Maricopa County, we strive to simplify the process of finding and securing the best policy for your situation. Whether you are in need of auto, home, or commercial, or liability insurance, our insurance agents in Glendale, AZ, are available to help you secure a policy at a rate that fits your budget. Remember that by working with the right insurance agency, you can save hundreds or thousands of dollars a year.

At Henderson Anderson, we are proud to provide a wide array of insurance coverage options for individuals and businesses. Because we are partnered with various preferred insurance carriers, our agents have the ability to make your life easier by doing the shopping for you. We are glad to go the extra mile to get you the policy you need at the price you deserve.

The insurance market in Arizona is in a constant state of change, so it is essential to choose an agency you can rely on with agents that will protect your assets as if they were their own. Call us today at (866) 241-9005 to find the insurance plans that suit your needs.




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