3 Things To Do NOW For Your Car Insurance. Number Two Will Shock You!

You’re driving around with the comfort and knowledge that you’re insured in the event of an accident that damages your car, you, or another person or their property. 

Your car needs occasional maintenance and fine tuning; so does your car insurance.  Here are 3 things you can do right now to fine tune, I mean review, with your Independent Insurance Mechanic, I mean Agent.

Improve the quality of your coverage and possibly lower your premiums NOW! 

  1. Uninsured and UNDER insured motorist coverage. 
    The two “Uns” will get you every time when involved in a motor vehicle accident. You’ll want to add this additional protection to your overall insurance policy.  The additional coverage will give you perfect peace of mind and protection against the incidents involving an uninsured motorist or a motorist with insufficient coverage to compensate you for damage to your vehicle or injury to you.

  2. Your collision deductible based on the year of the vehicle. 
    As your car gets older the value decreases.  Too often you’re carrying insurance coverage based on the original value of the car when you first insured it. When you discuss your insurance with your Independent Agent during your annual insurance review, be sure he reconfigures the  current coverage to reflect the current value of the car.

  3. Personal injury protection, also known as PIP coverage.
    This is a component of auto insurance that covers medical expenses regardless of who’s at fault, and often includes lost wages. Depending on the state in which you live, PIP is either an available option or a required policy add-on. It is often called “no-fault” coverage because its inherent comprehensiveness pays out claims regardless of who is at fault in the accident. Don’t get caught without this insurance because you didn’t know it was OPTIONAL vs. MANDATED by state.

Call us today to learn about these coverages and more. Now is the time: before you need your policy to work for you the most. Your health and financial health depend on it. Call us at 617-298-0655 or text us at 617-409-0329 for a free, no-obligation annual review.

Click here to Visit our Contact Us page.

Summer Preparedness Part 3: Driving

Happy days driving around on a golden Summer afternoon, or touring quaint villages, maybe driving town to town on a meandering route.  School’s out and it’s vacation time! Chances are pretty good you’ll be using your car, or a rental car to enjoy your holidays. 

You’ll want to bring an extra degree of caution to your Summer vacation driving experience.  First, you’ll be in a holiday mood.  It’s natural that your usual driving vigilance might be relaxed.  So your first challenge when you’re driving on vacation is to keep your driving mindset sharp and focused.

Your extra focus is going to come in handy with the other vacation drivers on the road too.  Many of those drivers may be as fuzzy in their holiday driving modes as you…before you sharpened your focus.  

Other drivers are looking at the sights, distracted by backseat or front seat passengers, or maybe just trying to figure out how to turn left into that parking lot for the Gift Shop.  Your extra care and attention is going to come in handy to avoid mishaps that could be caused by other distracted vacation drivers.   And, be especially careful while driving through parking lots.  The distractions are probably at their highest point when a driver is quickly backing a car out of a parking spot and another driver is zipping through the parking lot.  Bang.

You’ll want to sharpen your vacation mind for the protection of your valuables in the car too.  How often do you pull your car into a beachside parking lot or a scenic overlook highway stop off, then jump out of your car and forget to lock it behind you?  Probably quite often.  After all, you’re on vacation.  

Your cares and worries were left at home.  But your valuables are still sitting on the front seat or in the trunk of your car.  And a thief only needs a quick moment or two to open an unlocked door, rummage around and grab and run away with your valuables.

Last but not least, be extra careful with your rental car while away on vacation.  When you pick up the car, temper your eagerness to zip away to enjoy the kick off of your holiday. While the Rental Car Attendant is inspecting the condition of the car before transferring possession, grab your smartphone and snap photos of the exterior of the car.

Make a note of your mileage to be sure it matches the rental paperwork, and check the gas gauge too.  Double check that doors and trunks lock properly and that any remote locking or alarm systems actually work.

This may sound like a lot of work to do while you’re on a vacation.  But a few minutes of careful attention and a sense of normal driving focus will actually help you to have an even better vacation experience. 

When was the last time you reviewed your auto insurance? Don’t wait until it’s too late. Call now at 617-298-0655 or text us at 617-409-0329 for a free, no-obligation annual review. Click here to Visit our Contact Us page.

Summer Preparedness: Part 1: Vacation

You’d think preparing to go on vacation would be as tranquil as the vacation.  Too often it’s not.  The hectic days leading up to vacation time include preparing for the departure from home and office and preparing for the vacation. 

Here’s some tips that might help you prepare more efficiently…and more calmly…for your vacation.

PACKING
The dreaded packing of the suitcase ritual can make anyone crazy!   Prepare for your packing process well in advance.  After all, many of the clothes you’ll take on vacation are not the clothes you wear everyday, are they?   Spend 20 minutes a week for the three weeks in advance of your vacation and pack small amounts at a time.  Setup your suitcase in one spot, where you won’t move it.  Then add to the suitcase in small increments. 

IMPORTANT DOCUMENTS
Passports, credit cards, plane/train tickets, printed itineraries need to be collected well in advance and stored together.   Any office supply store has perfect sized, closeable plastic envelopes and containers that  are ideal for collecting your important travel documents into a single convenient location.  Try to use a bright color for the container so it’s easy to find in a hurry, or in the dark.   If all else fails, a resealable plastic storage bag, the kind you use in your kitchen, is a great solution too.

PHONE NUMBERS
In your address book on your Smartphone, create a new address category where you can save important phone numbers for easy access.  This way, in the event of an urgent phone call  you can pop open a single address category and access all the numbers you’ll need to call, text or email.  Remember, you’re on vacation!  If you have to make urgent contact with folks back home, you’ll want to do it quickly so you can get back to the real work of relaxing!

HOME SECURITY
Checklists are the best way to efficiently prepare your home for your absence.  Windows locked? CHECK.  Alarm company notified of vacation dates? CHECK.  Lamp timers installed and correctly set to match sunrise, sunset? CHECK.   Think like an airline pilot: create a checklist and review the checklist at least two weeks before you leave for your vacation, and then once more the night before or morning of your departure.

INSURANCE
Preparing your insurance for your vacation may be the easiest part of your holiday preparations.  One call to your Independent Insurance Agent to review your insurance policies can help you determine what you have, what you will need, what you’re covered for while you’re away on vacation.

Call us today to be prepared to vacation without a worry.

Call now at 617-298-0655 or text us at 617-409-0329.

Click here to Visit our Contact Us page.

How Much is Your Property Worth?

Some possessions in your home are more valuable than others.  These items can be a curated collection, such as fine porcelain figurines, baseball cards or comic books.  Other valuable items can be heirloom jewelry or fine art pieces, including paintings, sketches, and sculptures.

The value of these special items is not defined only by a monetary figure.  There is also the intrinsic value, the emotional value to you.  There is a fond family memory surrounding a particular heirloom object. What about the satisfaction of assembling learning about a particular collection of items, such as sculpted glass paperweights or famous autographs. This can be appraised but cannot be monetized due to the emotional value they hold.

Your homeowners insurance likely only covers a minimal amount of these valuable items, not necessarily covering the true market value in the event of a calamity that damages or destroys these valuable possessions. 

These special items need to be appraised by a professional to create a monetary record of their worth.  The expense of such an appraisal is well worth the cost in the event of a claim against your Homeowners Insurance and your desire to obtain the proper recompense for the damage or loss to these valuables.

There are two avenues to obtain an appraisal of your valuable items.  The first, and possibly less-costly, is to obtain an appraisal through a recognized expert.  For example, a jeweler can complete an appraisal of your heirloom jewelry items.  Likewise, an expert in art, or objets d’ art can be consulted to provide an appraisal opinion for other items you may own.  

The second method is to engage a Certified and Licensed Appraiser.  Typically we think of appraisers as professionals in the real estate trade, to appraise homes.  But Appraisers are trained in specific valuation methodologies.  There is a regimen that Appraisers follow to assemble a high-grade valuation of your personal property.  This regimen is based on professionally-accepted standards necessary for an appraisal to be certified.

While the cost of the latter valuation method may be higher than that of an expert opinion, you may want to incur the higher cost to provide your insurance carrier with the best possible valuation.   If you are using an expert opinion, be sure the documentation they use is acceptable to your insurance carrier.  You don’t want to find out that your carrier will not accept valuation documents when filing a claim.

Call us today to discuss how to appraise the true value of your treasured possessions and how to understand your coverage. That’s what happens when you work with an Independent Insurance Agent! Call now at 617-298-0655 or text us at 617-409-0329. Click here to Visit our Contact Us page.

The Two Most Effective Steps When You File A Claim

Your Insurance is in place to protect you from risks that may affect your wealth and your health.  When an incident occurs, you’ll want to file your claim in order to receive payment for your loss as quickly and efficiently as possible. 

Luckily, there are two easy steps to ensure a smooth claim process.  Best news of all, you can manage these two easy suggestions in a short time, maybe even while you’re binge watching whatever is the latest and greatest on Netflix. 

#1: Paperwork

Gather your insurance policies to an easy-to-find (and easy to remember) location.  You might want to consider scanning your policies to PDFs and saving those on your Smartphone, home computer, or Cloud Storage. 

If you’re saving paper or scanning to PDF, be mindful with how you label each document.  Using the Insurance Carrier’s name along with the purpose of the policy is helpful.  For example, “ABC INSURANCE Homeowners Policy.” 

Use different color post-it notes strategically placed on each paper document to easily flip through multiple policies. If you’re storing PDFs on a computer or Cloud drive, create different folders for each policy and be sure to “rename” each PDF for easy search.  In a pinch you’ll want to quickly locate “XYZ MUTUAL INSURANCE 2017 PONTIAC.”

#2: Photos

Smartphones make it easy to snap photos of your belongings around your home or to grab a quick photo of damage to your vehicle after an incident. Be sure to have the date stamp feature enabled.

In your home, while running your vacuum around or changing the bed linens, snap photos in each room where you have valuable belongings.  Take a photo of the entire room, too, with different angles. Capture clear, up close photos of individual valuables. 

Upload your photos and save to your home computer or Cloud Storage. Or both.

We’d be honored to spend a few minutes with you to discuss how to organize your files, review to see if your valuables are insured properly or to prepare the step-by-step of the “what to do” and “what not to do” after a claim.

When you’re organized in advance, your claim can be processed efficiently. This gets you paid faster in order to begin the repairs.

You can call us now for a free educational moment or to review your existing insurance policies to be sure you’re covered for every eventuality. Call now at 617-298-0655 or text us at 617-409-0329. Click here to Visit our Contact Us page.