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The post Important Factors That Affect Bodily Injury Claim Settlement Amounts appeared first on Casa Grande Insurance Agency.

One of the most frequent questions asked by victims of car accidents is “How much are my injuries worth?”

The truth is, there’s no simple answer to this question. There are a number of factors that can impact claim settlement amounts, all the more reason why you need to have uninsured motorist bodily injury coverage.

In some states, comparative fault is used as a way to determine how much the victim receives for their medical bills. This means that depending of how much the driver who hit you is at-fault (in percentages), those percentages apply to your medical bills.

For example, let’s assume that the driver is found responsible for 80% of the bodily injury because your brakes weren’t functioning properly. As a consequence, 80% of your medical bills will be paid by the driver at fault.

Other factors that may affect the settlement include proof of liability, the county or city where the injury occurred (known as “venue”), whether medical treatments were “reasonable and necessary,” the at-fault party’s driving record, and the claimant’s level of comparative fault.

If you want to find out more about the factors that affect bodily injury claim settlement amounts and the mistakes that might lower them, keep reading. Let’s take a closer look at these factors to see how they might affect your claim.

Factors that increase claim settlement amounts

A number of variables can make your claim settlement amounts bigger, including the location of the accident, the severity of the bodily injury, etc.

One of the most important factors is determining how much pain and suffering was involved. You’ve probably guessed it by now: the more pain, the bigger the settlement amount.

Let’s take a look at what type of injuries create more pain and suffering:

  • Hard injuries such as broken bones, damaged joints, deep wounds, and nerve damage
  • Any long-term consequences of the injury (e.g., chronic pain)
  • Long-term treatment and medication
  • Permanent injuries (e.g., loss of limb, scarring, weakness, poor mobility, etc.)
  • Emotional distress caused by the accident
  • How much of an impact the injury had on your daily life (e.g., losing a job, missing school, canceled vacations, etc.)
Factors that decrease claim settlement amounts

The lesser the damage, the lower the claim settlement amount. But these are not the only factors that can affect the amount of money you receive from the insurer.

Having an attorney on your side will also make the process easier, especially if you’re dealing with unsympathetic insurers on the other side.

When it comes to factors that have nothing to do with the injuries, you will have to look out for the following:

  • Witnesses who favor the other driver
  • Not having someone experienced on your side
  • Proof that you might be sharing blame

When it comes to injuries, your settlement amounts will be smaller if :

  • You are left with a soft tissue injury
  • The majority of the medical expenses were for diagnosis, not for the treatment
  • There was no medication prescribed after the diagnosis
  • The recovery period was short
  • No long treatment care was needed
  • No permanent injuries
  • No physical or emotional problems appeared as a consequence of the injury
How the type of medical treatment can impact your settlement amounts

Not all medical services are seen as mandatory. For example, if you go to a reputable doctor instead of receiving treatment from your local clinic, you may end up paying a large part of the medical bills yourself.

Also, the diagnosis plays a huge part. For instance, if the diagnosis is more expensive than the treatment itself, the insurer may consider that there isn’t enough pain and suffering for you to receiver a larger amount of money. On the flip side, if the diagnosis is cheaper than the treatment itself, you have a higher chance of getting your bills paid.

Another factor that impacts settlement amounts is the type of doctor you use. There’s a strong bias against non-mainstream medicine (e.g., acupuncture, physical therapy, etc), so make sure that most of your treatment comes from hospitals and M.D’s.

Clinics will always be considered more legitimate than non-physicians, even if their treatments are equally effective.

What happens when the driver at fault does not cover your injuries?

There are many cases in which the driver at fault has an insurance that barely covers the minimum requirements. In this case, you might have to find a good attorney to file a lawsuit against the driver.

But these situations can be avoided as well. For example, if you have uninsured motorist coverage, regardless if the driver at-fault insurance covers all of your medical expenses, you will still be able to use your insurance to pay off the medical bills. Another advantage of this type of insurance is that it covers other passengers in your car as well.

On top of it, you will be covered by it no matter if you’re driving or you’re a passenger in somebody’s else’s car.

The post Important Factors That Affect Bodily Injury Claim Settlement Amounts appeared first on Casa Grande Insurance Agency.

Important Factors That Affect Bodily Injury Claim Settlement Amounts was first posted on July 19, 2018 at 8:00 am.
©2017 "Casa Grande Insurance Agency". Use of this feed is for personal non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at john@regenuity.com
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The post Why You Should Have Uninsured Motorist Bodily Injury Coverage appeared first on Casa Grande Insurance Agency.

In an ideal world, everyone would have an insurance policy. Unfortunately, in the real world, only 1 in 7 drivers are either underinsured or uninsured.

But how does that impact you and your family?

Let’s say you’re involved in a car accident and the other driver is found guilty. If the driver has insurance, your medical bills and damages will be paid, but if there’s no coverage, you’ll have to pay all the expenses yourself. Uninsured motorist bodily injury coverage helps you avoid this scenario.

In certain states, this type of coverage protects your family too, even if they’re involved in a car crash in someone else’s vehicle.

Also, depending on your liability limits, you can also use the money for extended care if the car crash left you with long-term health issues.

Read on to learn the benefits of having uninsured motorist bodily injury coverage, what it covers, how it works, and how you can find advantageous rates.

What uninsured motorist injury insurance covers

If you opt for this type of insurance, the people living in your house as well as your passengers will all be covered regardless of what happens after the accident. In some cases, the driver will flee the scene, but uninsured motorist bodily injury insurance will cover the medical expenses and other damages.

This type insurance protects you from uninsured drivers and drivers who choose to leave the scene of an accident.

On top of this, you can use this insurance even if you ride in someone else’s car, or if you ride a bike.

In most cases it covers:
  • Emergency care and extended care for health issues caused by the car crash
  • Funeral expenses
  • It may help you if you lose your job due to the accident
  • Pain and emotional distress due to permanent injuries

In some states, this type of insurance is mandatory. In Arizona, the mandatory coverage for bodily injuries is $15,000. However, medical bills are often bigger than the minimum amount of insurance required.

For example, if your medical bills reach climb beyond $70,000, the insurance will cover $15,000 and the rest of the bills will be paid by you.

A good rule of thumb is to choose an insurance that has the same value as your total assets.

Why should this be the case? In a situation where you endure serious injuries and you need emergency care that also happens to be extremely expensive, you may be at risk of losing your assets if your insurance doesn’t have the same value as your home, car, etc.

Shouldn’t the driver at-fault pay anyway?

In some cases, the driver who’s at fault leaves the scene, but even in a case where the driver does stay, you can still be left with hefty medical bills.

You can sue the driver at fault, but you have to keep in mind that people who are uninsured are usually the ones who are trying to save some extra money. The driver is typically financially unstable in cases like this, and even if you do try to go to court, the driver can declare bankruptcy.

Is a premium health insurance plan enough?

Many people believe that a good health insurance plan is enough to protect them from situations where they’re hit by an uninsured driver.

Sadly, your health insurance plan only covers your medical bills. It doesn’t help you in any way if you end up losing your job as a result of the health issues or if you need treatment for a prolonged period of time.

To make things even more complicated, you may not be allowed to use your health insurance first as a means of coverage in the case of a car crash. As a result, you’ll have to use your auto insurance first and then use your health care plan to cover medical bills.

Also, you have to keep in mind that if you have passengers in your car that don’t have a good healthcare plan, they’ll have to pay for the expenses out of the pocket, a scenario that can be avoided with uninsured motorist bodily injury coverage.

How you can find affordable rates for uninsured motorist bodily injury insurance?

You can try to negotiate with insurance companies on you own and look at a few insurance packages. But chances are, you won’t be given a discount.

The advantage that insurance agents have when shopping around for insurance packages is that they have both connections and the ability to negotiate rates because they can promise more clients to companies. As an individual, you can’t say the same.

If you want to get a free quote on how much this type of insurance would cost you, feel free to reach out to us.

The post Why You Should Have Uninsured Motorist Bodily Injury Coverage appeared first on Casa Grande Insurance Agency.

Why You Should Have Uninsured Motorist Bodily Injury Coverage was first posted on July 18, 2018 at 8:00 am.
©2017 "Casa Grande Insurance Agency". Use of this feed is for personal non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at john@regenuity.com
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The post Why You Should Have Uninsured Motorist Bodily Injury Coverage appeared first on Casa Grande Insurance Agency.

In an ideal world, everyone would have an insurance policy. Unfortunately, in the real world, only 1 in 7 drivers are either underinsured or uninsured.

But how does that impact you and your family?

Let’s say you’re involved in a car accident and the other driver is found guilty. If the driver has insurance, your medical bills and damages will be paid, but if there’s no coverage, you’ll have to pay all the expenses yourself. Uninsured motorist bodily injury coverage helps you avoid this scenario.

In certain states, this type of coverage protects your family too, even if they’re involved in a car crash in someone else’s vehicle.

Also, depending on your liability limits, you can also use the money for extended care if the car crash left you with long-term health issues.

Read on to learn the benefits of having uninsured motorist bodily injury coverage, what it covers, how it works, and how you can find advantageous rates.

What uninsured motorist injury insurance covers

If you opt for this type of insurance, the people living in your house as well as your passengers will all be covered regardless of what happens after the accident. In some cases, the driver will flee the scene, but uninsured motorist bodily injury insurance will cover the medical expenses and other damages.

This type insurance protects you from uninsured drivers and drivers who choose to leave the scene of an accident.

On top of this, you can use this insurance even if you ride in someone else’s car, or if you ride a bike.

In most cases it covers:
  • Emergency care and extended care for health issues caused by the car crash
  • Funeral expenses
  • It may help you if you lose your job due to the accident
  • Pain and emotional distress due to permanent injuries

In some states, this type of insurance is mandatory. In Arizona, the mandatory coverage for bodily injuries is $15,000. However, medical bills are often bigger than the minimum amount of insurance required.

For example, if your medical bills reach climb beyond $70,000, the insurance will cover $15,000 and the rest of the bills will be paid by you.

A good rule of thumb is to choose an insurance that has the same value as your total assets.

Why should this be the case? In a situation where you endure serious injuries and you need emergency care that also happens to be extremely expensive, you may be at risk of losing your assets if your insurance doesn’t have the same value as your home, car, etc.

Shouldn’t the driver at-fault pay anyway?

In some cases, the driver who’s at fault leaves the scene, but even in a case where the driver does stay, you can still be left with hefty medical bills.

You can sue the driver at fault, but you have to keep in mind that people who are uninsured are usually the ones who are trying to save some extra money. The driver is typically financially unstable in cases like this, and even if you do try to go to court, the driver can declare bankruptcy.

Is a premium health insurance plan enough?

Many people believe that a good health insurance plan is enough to protect them from situations where they’re hit by an uninsured driver.

Sadly, your health insurance plan only covers your medical bills. It doesn’t help you in any way if you end up losing your job as a result of the health issues or if you need treatment for a prolonged period of time.

To make things even more complicated, you may not be allowed to use your health insurance first as a means of coverage in the case of a car crash. As a result, you’ll have to use your auto insurance first and then use your health care plan to cover medical bills.

Also, you have to keep in mind that if you have passengers in your car that don’t have a good healthcare plan, they’ll have to pay for the expenses out of the pocket, a scenario that can be avoided with uninsured motorist bodily injury coverage.

How you can find affordable rates for uninsured motorist bodily injury insurance?

You can try to negotiate with insurance companies on you own and look at a few insurance packages. But chances are, you won’t be given a discount.

The advantage that insurance agents have when shopping around for insurance packages is that they have both connections and the ability to negotiate rates because they can promise more clients to companies. As an individual, you can’t say the same.

If you want to get a free quote on how much this type of insurance would cost you, feel free to reach out to us.

The post Why You Should Have Uninsured Motorist Bodily Injury Coverage appeared first on Casa Grande Insurance Agency.

Why You Should Have Uninsured Motorist Bodily Injury Coverage was first posted on July 18, 2018 at 8:00 am.
©2017 "Casa Grande Insurance Agency". Use of this feed is for personal non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at john@regenuity.com
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The post Time Limit to File a Claim from a Car Accident appeared first on Casa Grande Insurance Agency.

Most states give you up to two or three years to file a claim, but if you file even a few days after the statute of limitation has passed, your claim will be rejected. However, this doesn’t mean the case must be resolved within that time frame. You just need to file the claim in two years for bodily damages and three for property damages. Fortunately, there are ways in which you can extend the time frame as well. If you want to find out more about how to file a car accident insurance claim, when you can file it, and in what cases the time frame can be extended, read on.

Filing a late claim

Let’s assume you’ve been involved in a car accident and you have insurance but you had no idea who was responsible for the damages. Perhaps you were confused and there were no other witnesses.

If it takes 2-3 years for you to find out who was behind the personal or the property damages, and the timeframe in which you could file the claim has already passed, you are eligible to file a late claim. The only reason why the timeframe is about 2-3 years in normal situations is that after this time memories often fade and records might get lost, which makes the investigation hard to carry out.

Also, you have to keep in mind that you have to be at least 18 years old to file a claim. This means that if you were a minor when the car crush occurred, you can delay filing the papers as well. The rule of discovery is another way you can file a claim late in Arizona, for example. Let’s say you discover you sustained personal injuries that weren’t obvious right away. In this case, you can file the claim on the date you discovered you have health issues due to the accident, after consulting a doctor and getting a diagnosis.

Time limits with the insurance company

Arizona’s laws are not the only ones you need to comply with when filing a claim. Insurance companies have their own time limits as well. When you do pick an insurance company, it’s important to discuss these details and ask about what happens when you are involved in a car accident, what the minimum insurance requirements are, and so on. Each insurance company has its own time limits, and if you aren’t sure what those are, you should file a claim as soon as possible. In come cases, filing a claim from home is possible too. For example, at Gebhardt you can file a claim online.

Minimum requirements for insurance

Before you worry about the time limit for filing, you have to make sure that it meets the mandatory minimum requirements.

You can’t file a claim if you don’t respect the law, and in Arizona your insurance should cover the following:

  • $15,000 personal injuries liability for one person
  • $30,000 personal injuries liability for two or more individuals
  • $10,000 property damage liability
    In The Grand Canyon State, you have several options when it comes to collecting compensation after an accident occurs.

For example, you can:

  • Contact your insurance company and file a claim for personal or property damages
  • If you are the victim you can contact the driver who caused the damages and file car insurance claim on his/her insurance company
  • If you can’t get a compensation from your insurance company or the company of the driver who is at fault, you may be able to file a lawsuit against either the insurance company or the driver
What to do before filing a claim

Often, victims of car crashes find themselves in the situation of being offered money right away to avoid reaching out to their insurance company. This situation typically occurs in minor car crashes, and since most car crashes are minor, many drivers believe that waiting for compensation and getting in touch with insurance companies is a hassle. The problem is that sometimes the driver who caused the damages might twist the truth later, especially if they speak with the police and you don’t. Before you make any arrangements, you need to have a talk with the police and with your insurance agency. Otherwise, you risk being conned.

Another mistake many victims make is apologizing and admitting fault when only the police and the experts are the ones who should make this determination. Don’t allow yourself to be manipulated by other drivers, especially when you are in shock and confused due to the collision.

Car crashes happen more often than you may think. Over 2 million people are injured or left with a disability following an accident in the United States. As a consequence, you have to make sure you don’t have any car insurance problems that might prevent you from filing a claim on time and getting your compensation. Also, when picking an insurance company, make sure you ask questions about what it covers, the time limit for filing a claim, and what your rights are.

The post Time Limit to File a Claim from a Car Accident appeared first on Casa Grande Insurance Agency.

Time Limit to File a Claim from a Car Accident was first posted on July 12, 2018 at 8:00 am.
©2017 "Casa Grande Insurance Agency". Use of this feed is for personal non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at john@regenuity.com
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The post 5 Home Safety Tips You Need to Know appeared first on Casa Grande Insurance Agency.

As an adult and as a parent, you know the basic steps of home safety, such as closing your windows at night, storing poisonous chemicals in a secure childproof location, and installing deadbolts on all outside doors. But when you think about home safety, there are many things that are easy to overlook. That’s why we offer these five home safety tips.

Keeping Your Home Safe

Whether you’re at home or away, you want to know that your belongings and your property are protected. Implement these ideas for extra protection.

  1. Garage Doors
    This may seem very basic, but you would be surprised how many homeowners forget to close their garage door. An open garage door is an open invitation to burglars. Even when you’re home, don’t leave it open since it provides an easy a view into your home and belongings.
  2. Avoiding Falls
    Injuries from falling are one of the most common household hazards. In fact, one out of five falls results in a broken bone or a head injury. Wet floors, slippery stairs, and scattered toys all create the potential for falls so keep these areas clean and clutter-free. If you are a homeowner and someone falls and injures themselves in your home, you may be financially liable for their medical or other costs. In these cases, one of the key issues becomes whether the homeowner has an insurance policy that will cover the claim.
  3. Stash Your Valuables
    A hidden and fireproof safe can help keep your valuables secure during an emergency, a robbery, or a home invasion. While you’ll want to store precious jewelry or cash in the safe, you should also use it to store important documents like the deed to your home, wills, and anything else you’d want to survive a natural disaster. Theft of any kind can be devastating for homeowners. Your home contains not only items with monetary value, but also items with emotional significance for you and your family.
  4. Fire Prevention
    Every year, there are more than 350,000 home fires resulting in over 2,700 deaths in the United States. The damage goes beyond the devastating loss of life and includes everything from mild smoke damage to total devastation.

Whether it’s a small kitchen fire or a widespread home fire that engulfs the entire home, you want to make sure that you have enough home fire insurance coverage to repair or replace destroyed property. But the best way to be prepared is to focus on prevention.

These tips can help prevent the loss from a fire.
  • Never leave a burning candle, iron, or similar electrical device unattended.
  • Stay in the kitchen while cooking and do not leave the room when the stove is being used.
  • Install smoke detectors and fire alarms on every floor and every room. Often fires start at night, when family members are asleep.
  • Test detectors every month and change the batteries twice a year. A working smoke alarm will cut the chances of burns, injuries, and even death.
  • Purchase a fire extinguisher to keep in your kitchen and near a fireplace. Most importantly, know how to use it.
Carbon Monoxide Monitors

Carbon monoxide is virtually impossible to detect by smell, sight, or sound, making it a difficult threat to notice. Even low exposure to carbon monoxide (CO) can cause headaches and dizziness, while high levels can lead to vomiting, impaired vision, and even death. According to the Journal of the American Medical Association, carbon monoxide poisoning is one of the leading cause of accidental poisoning deaths in the U.S. and kills 430 people each year. But it is totally preventable.

  • Install a carbon monoxide detectors throughout the home that alert you if CO reaches dangerous levels
  • Have a qualified professional check all fuel-burning appliances, furnaces, vents, and chimney systems at least once a year
  • Never keep your car running in the garage, even if the doors are open
Why You Need Home Insurance

Unfortunately, accidents and natural disasters happen all over Arizona. Homeowner’s and renter’s property insurance protect your home and personal property against damage or loss. It can also give you coverage if someone gets hurt while on your property. In addition, home insurance policies provide property coverage for the cost to replace your house and its contents in the event of a disaster.

If the destruction is severe, and you cannot stay in your home after a fire, storm, or other covered risks, your homeowner’s property insurance may help pay for temporary living costs, such as hotel bills.

A home is usually the biggest purchase of a person’s life. But regretfully, 59 percent of homeowners have been found to be underinsured. If there is a disaster or lawsuit, these individuals would be in dire straights.

Just as importantly, is to keep the policy current. Too often people buy their policy and never look at it again. They never talk to an insurance agent after the sale, despite the fact that they make changes and improvements to their home which affects the value.

Our specialized team of professionals at Gebhardt Insurance Group will take the time to carefully review your needs and assure that you purchase enough coverage and the proper policy to protect your home, its contents, and your peace of mind.

If You Rent…

Renter’s insurance offers coverage similar to homeowner’s insurance. However, if you are a renter, you should not, and cannot, assume your landlord carries insurance on your personal belongings. Contacting Gebhardt Insurance Group to evaluate your individual situation before your experience a traumatic event on your property is essential.

Experience Counts

At Gebhardt Insurance, we know that you have many options for insurance providers. For over 14 years we have been independent insurance specialists. Instead of selling our own insurance coverage, we shop the nation’s top carriers to find you the absolute lowest homeowner’s insurance rates with the best coverage.

But we don’t stop there.  At Gebhardt Insurance we regularly review your coverage and help you receive the best value for your insurance dollar, all while providing the best customer service in the business. Visit our website to see what our clients say about us.

Contact us now at 520-445-4929 to learn more or get a free quote online.

The post 5 Home Safety Tips You Need to Know appeared first on Casa Grande Insurance Agency.

5 Home Safety Tips You Need to Know was first posted on June 30, 2018 at 8:00 am.
©2017 "Casa Grande Insurance Agency". Use of this feed is for personal non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at john@regenuity.com
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The post Facts You Need To Know About Mobile Home Insurance appeared first on Casa Grande Insurance Agency.

Mobile homes (also known as manufactured homes) are just like regular houses in terms of maintenance and homeowners insurance. Property and liability insurance policies are standard coverages for a mobile home, but additional coverages may also be necessary. Replacement cost coverage can help an owner protect against depreciated value of the home. “Stated Amount” is a specific total in an insurance policy that states the maximum amount of money that can be paid out for any damages to a mobile home. These are all aspects of insurance coverage that must be considered when insuring a mobile home.

Firstly, a mobile home is typically manufactured off-site and later delivered to the plot of land where it will be located for good. During this delivery, however, the home is not covered under a homeowners insurance policy. It is important for the buyer of the home to work with the manufacturers and delivery service to ensure that the home is insured against damage during delivery. No matter the distance the home will travel, it will be at risk of damage and should be insured. Once the home is in place, typical homeowners insurance can be put into place.

Property coverage is a standard type of insurance policy for all kinds of houses, including mobile homes. This policy covers the broadest amount of situations that could arise for a homeowner. These includes bad weather (hail, lightning, etc), theft (stolen items), vandalism (destruction / defamation of property), and fire. Depending on what else you own, you may need property coverage for a carport, porch or gazebo on the property as well. These are not automatically placed on a property insurance policy.

Some insurance companies offer limited coverage which result in a lower premium, but it is important to know exactly what will and will not be covered by these types of policies. Lower cost coverage may be convenient for their lower monthly cost, but it can also be costly if a specific incident occurred and it is not covered by the policy. Look at the details of the policy before agreeing to a low cost insurance plan for your mobile home.

Liability coverage is another common policy that many homeowners have on their mobile home. Liability mainly protects the owner against situations where others are injured while on their property. This usually covers situations where something in the home breaks and hurts a visitor, or if someone were to slip and fall inside the house. Usually it does not cover medical bills for those who live in the home and are injured. However, it usually does cover the costs that you incur if you damage a neighbor’s home or property.

An important consideration for mobile home owners is the possibility of water damage. Pipes can burst inside of any home, but are more susceptible in a manufactured home due to its smaller size and ventilation. Insurance companies offer coverage for water damage and broken pipes only in the event that the damage occurred naturally. If the damage occurred due to the owner’s bad maintenance, coverage would be denied. It is important to take extra care of the pipes in a mobile home to ensure that, if damaged, they will be covered by insurance.

Replacement cost coverage is a unique type of policy for mobile homes. This coverage protects you financially against depreciated value of the home. If part of the home is damaged, replacement cost coverage will provide enough money to replace what is needed, rather than providing money based on the current value. In this case, you will have enough money to replace the damaged areas rather than simply repair them.

This also ties into the “Stated Amount” in the policy. The Stated Amount is a specific grand total of how much the insurance company will pay out if everything were to be destroyed. It is important to know this number in the event that you need full replacement of the home and possessions. Owners must consider how much it would cost to start over with a new home.

Insuring a mobile home is very similar to insuring a house, but with a few extra considerations. Property and Liability insurance are standard coverages that protect you against most common scenarios. Make sure you take good care of the pipes and have good water damage coverage. It is important to have replacement cost coverage if you will need to replace large parts of the property at any time. Taking good care of your mobile home starts with quality insurance.

The post Facts You Need To Know About Mobile Home Insurance appeared first on Casa Grande Insurance Agency.

Facts You Need To Know About Mobile Home Insurance was first posted on June 14, 2018 at 8:00 am.
©2017 "Casa Grande Insurance Agency". Use of this feed is for personal non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at john@regenuity.com
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The post Someone Hit My Parked Car appeared first on Casa Grande Insurance Agency.

Car accidents are never a good situation for anyone involved. While most people think of car accidents as happening at high speeds on the road, it’s just as common to have your parked car hit in a parking lot. Even worse, some people don’t bother to leave their information, making it a hit and run situation. The costs of repair can be covered by a combination of collision and uninsured motorist coverage, but you may also owe a deductible. No matter what happened, there are a few essential steps for properly handling this situation.

When someone hits a parked car, they are responsible for making contact with the vehicle owner. They must either wait for the owner to return to their car or they must leave a note with their personal contact information, insurance information and a description of what happened. All of this info can be used later by the person who was hit to contact the perpetrator and file a claim with their insurance. The perpetrator does not need to contact the police, however, if no one was hurt in the accident.

When someone hits a parked car and they do not leave information or make contact with the owner, it becomes a hit and run situation. This is against the law and causes much more trouble for the perpetrator if they are ever caught. In an event such as this, you must call the police and file an official report. This will put it on record that a hit and run occurred and the police can do what they can to find the driver. The police may even be able to obtain video from the nearby businesses who may have cameras aimed at the parking lot.

No matter what happens, it is important to document everything about the accident. Take photos of the damage as well as your vehicle’s location in the parking lot. If you caused the accident, be sure to leave your information or speak directly to the owner of the parked car. If it is a hit and run, be sure to call the police and file a report. The more information that is available, the quicker and smoother the claims process will go with the insurance carrier.

Filing a claim with your insurance in this situation is much like any other accident that occurs on the road. They will need the date and time, the location of the incident, photos of the damage, as much contact information as possible from the perpetrator, and the police report if one has been filed. Fortunately, most insurance companies offer coverage options that can take care of the vehicle repairs when you car is hit in a parking lot, whether it is a hit and run or not.

If the other driver does not have insurance, or not enough to cover the bills, the claim could be filed as an uninsured or underinsured motorist claim. This also applied in a hit and run event, as the insurance company must assume there is no coverage because there is no way of contact anyone and obtaining their insurance information. These policies will cover most or all of a repair, usually after a small deductible is paid. Collision coverage is another policy that can be utilized for covering repairs. You may owe a deductible based on your policy, but after that, the rest of the bill will go to the insurance company, up to your collision coverage limits.

Sometimes a parking lot hit causes major damage to the point of disrepair of your car. In events like this, insurance may choose to “total” the car and provide you with money to purchase a new one. If the insurance company can inspect the vehicle and determine that it would cost more to repair the damage than it would to buy a different vehicle, they will give you money to buy a different car. Depending on your specific policy, they may even provide you with enough money to buy a better car than you owned before.

Returning to a damaged car in a parking lot is not an idea situation, but it doesn’t have to be as scary and frustrating as it seems. Do what you can to make contact with the perpetrator, file a police report if necessary, and file a claim with your insurance. Be sure to document everything you can, from photos of the damage to contact information of the other party and police records. Events like this are why we have insurance in the first place.

The post Someone Hit My Parked Car appeared first on Casa Grande Insurance Agency.

Someone Hit My Parked Car was first posted on June 16, 2018 at 8:00 am.
©2017 "Casa Grande Insurance Agency". Use of this feed is for personal non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at john@regenuity.com
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The post Why Your Motorcycle Should Have Uninsured Motorist Coverage appeared first on Casa Grande Insurance Agency.

Motorcycle drivers need to have vehicle insurance just like everyone else on the road, especially Uninsured Motorist Coverage. An Uninsured Motorist policy (also known as “UM”) is a coverage that takes care of a driver if they are hit by an uninsured driver who is found responsible for the accident. In cases like these, it would be the responsibility of the uninsured driver to pay out of pocket any and all costs related to the accident. If they do not have the money to pay, however, the UM policy would cover the rest. Without the policy, the innocent party is on their own.

Uninsured Motorist insurance is a special type of insurance coverage made available to all drivers through their insurance company. The primary function of it is to take care of situations when an uninsured motorist causes an accident. Some drivers choose not to have any car insurance at all, despite this being against the law in all 50 states. If they cause an accident, not only are they liable for the entire bill themselves, but they can face additional fines and even jail time for breaking the law.

Unfortunately, many times people without insurance do not have it due to the cost, so if they cause an accident, they do not have the funds to pay for it personally. In these situations, Uninsured Motorist coverage comes into play. UM policies will allow the innocent driver to be compensated for any costs that cannot be covered by the other driver. This is a very important type of policy to have with any vehicle, especially when driving a motorcycle.

Motorcycles are naturally at a higher risk for accidents. As a smaller vehicle, they can be harder to spot from the view of a larger vehicle. Being open vehicles, motorcycle riders have a higher chance of injury due to not being enclosed within a sizeable vehicle such as a car or SUV. While there are many ways to keep oneself physically safe while riding, the Uninsured Motorist policy can keep oneself safe financially as well.

Motorcycle Uninsured Motorist coverage works just like any other insurance policy for a regular vehicle, such as a car or truck. It is an additional coverage that can be added to the base coverage when you sign up for service through an insurance carrier. Rates will vary from state to state, as well as the different amounts of coverage on the policy.

The higher the amount of coverage, the better. When an accident occurs, it can obviously leave both parties with damage to their vehicles and injuries to themselves, but costs can go beyond repairs and medical bills. An injured party could be out of work for weeks or even months, which could result in the need for payment for lost wages during that time. If the incident goes to court, it could also result in a judgment which includes “pain and suffering” money to be paid to the victim for having to deal with the whole situation through no fault of their own.

Most insurance companies offer Uninsured Motorist coverage, so it is not difficult to add it to an existing policy. While laws may be different in each state, a few states require UM coverage no matter what. Another similar form of coverage is the Underinsured Motorist policy. This policy covers similar situations, where the guilty party has insurance but not enough to cover the entire bill. Both types of coverage help take care of those who are in an accident and not guilty of causing it themselves.

Depending on the state, some injured parties may be required to sue the other driver in order to obtain payment in an Uninsured or Underinsured Motorist situation. This creates a judgement by the court that states the other driver was wrong to not have insurance coverage, or did not have enough coverage, and owes a certain amount of money to the injured. This way, there is legal documentation on file that will require either the guilty party or the injured party’s own insurance company to cover the cost of the accident.

Get The Best Motorcycle Insurance

Riding a motorcycle may be a fun experience and a convenient way to get around, but it comes with many risks. Get the best motorcycle insurance rates and be sure to check your insurance coverages and policies to ensure you are covered financially from any situation that may arise on the road. It is much better to have extra coverage and not use it than it is to not have coverage and need it.

The post Why Your Motorcycle Should Have Uninsured Motorist Coverage appeared first on Casa Grande Insurance Agency.

Why Your Motorcycle Should Have Uninsured Motorist Coverage was first posted on June 14, 2018 at 8:00 am.
©2017 "Casa Grande Insurance Agency". Use of this feed is for personal non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at john@regenuity.com
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The post How to Save More on Car Insurance appeared first on Casa Grande Insurance Agency.

If you own a car, then the first thing that comes to mind is car insurance. Car insurance is important because if you get into an accident, the insurance can have you covered. Unfortunately, car insurance can be pretty expensive. Luckily, there are ways that can help you reduce your car insurance rate by a significant amount.

Take advantage of car insurance discounts

Every car insurance has special offers or discounts to provide for their customers. If you get all the discounts that you are entitled to, you may be able to save a significant amount. The insurance agent can provide you with more information and walk you through the process. Check out previous post about Ways How To Minimize Car Insurance.

Drive safely

Every car insurance company have different insurance rates for a different age group. For example, younger people tend to have higher insurance rates because they are prone to accidents. If you can prove yourself worthy and drive safely for an extended period time, your insurance rates can drop tremendously. If you get a ticket, DUI, or sent to traffic school, these violations can increase your insurance rate. One of the most common car accidents is driving while texting. It could be tempting to talk on the phone and text your friends while driving at the same time. If you can refrain from doing that, then it can reduce your chance of getting into a car accident. This will ultimately help improve your driving record that could help reduce your auto insurance premium rate, so drive safely!

Drop car insurance that you don’t need

If your car is worth less than your deductible plus the amount that you pay for an annual coverage, then you might consider dropping them. Collision and comprehensive coverage never pay more than what the car is worth. It’s important to evaluate if it’s worth paying a high amount that might reimburse you for a smaller amount. It is logical to think about this because you can use the fund from the collision and comprehensive coverage for car repairs or to purchase a brand new car.

Drive a cheaper car

Before buying a new car, it’s important to check the insurance rate for the models that you have in mind. The type of vehicle that you drive can affect your insurance premium. Minivans and small SUV tends to be cheaper than small, flashy, expensive race cars.

Increase deductible

You can save a lot of money by raising your deductible which is the amount that the company doesn’t cover when paying for the repairs. For example, if the repair bill is $2000 and you have a $500 deductible, then the insurer will have to pay $1500. Just imagine, if you increase your deductible from $500-$1000, you might be able to save about $200 per year on car insurance.

Improve your credit

If you have excellent credit, your car insurance rates will go down. If you are interested in improving your credit, consider making all your credit card payments on time, keep the credit card balance below your credit limit, and only open new credit accounts when necessary.

Don’t drive too much

You can use a usage-based insurance which takes into account how often you drive. These types of insurance will consider how often you drive and how well you drive. To participate, you will install a small device in your car that will provide the information to the insurance company. If you have a low mileage and safe driving habits, your score can provide a significant discount for you.

Do well in school

A lot of car insurance companies love to reward students with a high GPA. If you have a GPA higher than 3.5, your auto insurance company will reduce your premium rate by a lot. A 4.0 GPA might even cut it by more than half. This is positive reinforcement technique that auto insurance uses to encourage students to work hard academically.

There are a lot of car insurance companies out there. Their premium rate is based on various factors pertaining to the driver. If you have bad credit, accident-prone, speeding tickets, DUI, and low deduction rate, then you will experience a high monthly car insurance rate. You can talk to your auto insurance company to find the best rate for you. At Gebhardt, we take pride in getting to know our clients. Based on their background, we will find strategies and ways to create an insurance plan that will fit your needs without breaking the bank. We know how important it is to find an affordable car insurance with all the features that you need. We have years of experience and expertise that makes us more competitive than other companies out there.

The post How to Save More on Car Insurance appeared first on Casa Grande Insurance Agency.

How to Save More on Car Insurance was first posted on May 27, 2018 at 8:00 am.
©2017 "Casa Grande Insurance Agency". Use of this feed is for personal non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at john@regenuity.com
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The post Why Arizona Auto Insurance Rate have gone up? appeared first on Casa Grande Insurance Agency.

The average amount that people in Arizona pay for their car insurance is about $133 per month. People who are known to have a lot of car accidents will have to pay a higher rate like around $300 per month. In the past, people with clean driving record’s tend to pay less, but that is not the case in the future. Based on statistics and careful analysis, Arizona drivers could be paying more for their car insurance in the future the very reason why you should know what to look in an auto insurance. A bill at the Arizona legislator could increase car insurance cost for drivers. This can severely impact the insurance industry. State Senate Kate Brophy- McGee has introduced a bill that will increase liability coverage for drivers in Arizona. It will increase the minimum liability coverage from $15,000 per individual to $25,000, and the average accident coverage will be between $30,000-$50,000. This will ultimately raise the drivers premium by $80 per year. Unfortunately, there is a fear that high auto insurance cause might lead to more uninsured drivers.

Reasons why the auto insurance cost has gone up in Arizona for the past couple of years: Increase accident rates

For the past two years, the severity of the car accidents has gone up. After all, people love to text and drive at the same time. For example, there has been a 12% increase in bodily injury, and 15% increase in the cost of the collision. This can be very costly and detrimental to the auto insurance industry. To make matters worse, the rate of fatality has also gone up. Insurance companies have to take responsibilities and paid those rates, that is why they decided to increase driver’s premium rate. They have to raise their rates high enough to compensate for the 12% to 20% increase in automobile accidents.

Cars cost more than they used to

Car prices have increased over the past years. If there are more car accidents combining with the fact that cars are costing more each year, then that means the cost of the accident will rise tremendously. That would also mean that the insurance company will have to pay more. This is why insurance rates in Arizona are getting higher every year.

DUI and speeding tickets have gone up

There have been reports that DUI and speeding tickets have gone up in the state of Arizona. When people drive under the influence or speed through the road, they are very prone to accidents. This results in severe crash and fatality. This can be very costly for the insurance company. Plus, even if there is no crash, a speeding ticket or a DUI can raise the driver’s insurance rate. Because of these reckless driving, the insurance company will have to elevate their premium rates in order to compensate for the rise in DUI and speeding tickets.

Arizona gas price has dropped

The gas price in Arizona is lower than other states. The greatest part is that; the gas price has been dropping over the course of the years. The low gas prices will result in more people getting in the car and driving. If we combine that with social media impact, then you have a wonderful multitasking driver. The increased rate of driving and texting can result in a collision. This would be why insurance companies in Arizona have experienced a high premium rate.

Even if you are an amazing driver and obey every stop signs, your insurance rate will still go up. Since 2012, practically all insurance companies have increased their rates. The consumer price index for auto insurance has gone up by 21.5% in comparison to the CPI which is 4.5% over the same five-year period. Keep in mind that auto insurance is not doing this to be mean, but the rise in car accident rates and fatality have taken a lot of money out of their pockets. They have no choice but to raise driver’s premium rate in order to compensate for the cost. Keep in mind that even if you have an excellent driving record, but a friend of yours who have gotten an accident and uses the same insurance company can also affect your rate. At the end of the day, it’s important to talk to a various insurance company and compare their rates. At Gebhardt, Insurance agents are very knowledgeable about the statistics and the rise of car insurance premium. They can provide you with all the information you need to make an informed decision. They can also go above and beyond to find the proper premium rate that you can be happy with.

The post Why Arizona Auto Insurance Rate have gone up? appeared first on Casa Grande Insurance Agency.

Why Arizona Auto Insurance Rate have gone up? was first posted on May 25, 2018 at 8:00 am.
©2017 "Casa Grande Insurance Agency". Use of this feed is for personal non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at john@regenuity.com
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