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5 Loose-Ends to Tie Up When a Car Accident Involves Minor Property-Damage

5 Loose-Ends to Tie Up When a Car Accident Involves Minor Property-Damage

A car is one of the most valuable purchases the average person will make in a lifetime. Even the most affordable of vehicles costs tens of thousands. In the event of an accident, any property-damage can have detrimental ripple-effects. If any destruction is caused during an accident, drivers are personally responsible for ensuring that proper repairs are conducted.  

No Knee-Jerk Reactions:

Automotive Writer Angela Ericsson explains that, “An auto accident is never fun, even when it’s minor. Not knowing what to do can even make things worse. It’s easy to fly off the handle and get angry at the other driver, but this will only escalate the situation. After any car accident, it’s important to keep your cool. Ask the driver about their well-being, and make sure that no one involved has been injured.” Here are a few quick tips on how to appropriately address property-damage after minor accidents.  

1.    File an Accident-Report with the Authorities:

Any accident that involves significant property-damage should be reported to police, and the Department of Motor Vehicles (DMV).  Failing to do so in a timely fashion creates conflicts of interest which could be interpreted as crimes.  

2.    Exchange ID and Insurance Information with Other Involved Parties:

Accidents that produce property-damage will always precipitate negotiations or litigation.  This makes it necessary to exchange contact information, identifying information, insurance details, and other relevant records.  

3.    Leave a Note for Other Parties to Find if They’re Absent from the Scene:

If property-damage happens in the absence of another vehicle-owner, leave a written note explaining the context of the damage.  It’s also important to provide contact information so that further discussions can be facilitated.  

4.    Contact an Attorney:

Property-damage is not a problem to take lightly.  And it’s advisable to get in touch with an attorney or legal-expert for advice.  

5.    Contact Your Insurer:

Your insurer also needs to know about property-damage as soon as an accident has happened.  Waiting too long to report property-damage can either complicate, or void the claims process altogether.  

Conclusion:

Driving is so customary that people often forget how complex it is. Not only does driving require mechanical skills, it’s also risky. Whether you have years of experience, or you’re an amateur, You should always respect and adhere to the highway code. Defensive driving is the most effective way to reduce the chances of traffic collisions. For more information, visit our website or give us a call at 1-800-639-7654 to find out how Adriana’s Insurance Services can help you drive safe. We got you covered!
5 Typical Flaws that Tarnish the Outer Appearance of a Home

5 Typical Flaws that Tarnish the Outer Appearance of a Home

5 Typical Flaws that Tarnish the Outer Appearance of a Home

    Home-décor shouldn’t be exclusive to the insides of a house.  Outdoor aesthetics also contribute to the overall comfort and attractiveness of a home.  Unfortunately, many homeowners concentrate on decorating the rooms inside their properties, without paying much attention to how things look on the outside.  

Put Your Best Foot Forward:

Author Jennifer Gervens explains that, “First impressions are important, and the state of the outside of your house can give off a pretty powerful one. The outside of a house automatically looks beautiful when the grass is thick, lush, and green. Spacious, bright, and open is always the way to go. Resist the urge to leave scattered possessions all over the place.” Here are a few common blemishes which ruin the exterior of a home:  

1.    Outdated Patio-Furniture:

Patio furniture always looks trendy when it’s hot-off-the-shelves.  But as time goes by, furniture can get less and less fashionable.  If you want your home to look well-maintained, use timeless, or regularly updated furniture.  

2.    Cluttered Porches and Verandas:

It’s only natural for people’s belongings to start accumulating all over a compound.  But when items form untidy piles, it’s hard not to focus on the messiness.  

3.    Cracked Windows:

If a family with kids resides in a home, chances are a window’s been broken here and there.  But cracked windows shouldn’t go ignored for long periods of time.  Both for cosmetic reasons, and security reasons.  

4.    Overgrown Lawns:

It takes a lot of work to maintain grass on lawns.  Between watering, weed-control and clipping, it’s a big responsibility to keep lawns manicured. In spite of all this work, grass shouldn’t be allowed to become bushy and unkempt.  

5.    Out-of-Season Holiday Décor:

Holidays are always a great reason to add some decorative flair to a property. But no holiday is permanent. As much fun as it is to put up Christmas, or Halloween ornaments, when the festive season comes to a close, bring everything back to normal.  

Conclusion:

The more neglected the facade of a home is, the more a property deteriorates in value and luxury.  No reasonable homeowner should ever want this for a house they’ve invested in.  The best way to maintain the appearance of a home is with consistent domestic upkeep. For more information, visit our website or give us a call at 1-800-639-7654 to find out how Adriana’s Insurance Services can help you protect your home. We got you covered!  
5 Smart Things You Should Be Doing if You Depend on Multiple Vehicles for Business

5 Smart Things You Should Be Doing if You Depend on Multiple Vehicles for Business

5 Smart Things You Should Be Doing if You Depend on Multiple Vehicles for Business

    Anyone who uses vehicles for official business is probably aware of a particular sobering fact.  Logistics is complicated.  The more vehicles are included in a company’s fleet, the more work goes into ensuring said vehicles generate utility.  Fleet management is a difficult science.  But thanks to the protections enabled by insurance, risks can be avoided when taking care of company cars.  

Fleets Need Protection:

Marketing Director Emma Cimolini suggests that, “Fleets aren’t only for major corporations such as UPS. Many companies operate a fleet of vehicles, whether they realize it or not. Purchasing the right vehicles for your business needs is key to effective fleet-management. In addition to purchasing a vehicle, don’t forget about the title, licensing, and insurance. An uninsured vehicle can’t hit the road, or make you money.” Here are a few basic tips on how to manage a fleet of vehicles responsibly:  

1.    Keep Detailed Records About Each Vehicle:

Commercial vehicles are used in proportion to customer traffic.  And when cars are driven heavily in a business setting, it’s easy to lose track of malfunctions and service-schedules.  Proper recordkeeping takes the guesswork out of basic maintenance.  

2.    Don’t Cut Corners with Cleaning and Maintenance:

The best way to preserve the salvage-value of a commercial vehicle is to make sure it’s cleaned and serviced regularly.  Be careful not to allow wear-and-tear to prematurely deplete your vehicles.  

3.    Recruit Well-Trained Drivers:

Commercial vehicles don’t just drive themselves automatically.  They need competent drivers to operate them.  Well-trained drivers understand not to push the limits on their vehicles.  

4.    Go High-tech:

Fleet-management doesn’t have to be an analog process in the 21st century.  There are plenty of technologies that make it possible to take care of vehicles efficiently.  Find a digital solution that’s compatible with your business-model.  

5.    Get Good Commercial Insurance:

The ultimate way to protect a fleet of vehicles is commercial insurance.  The larger the fleet, the more insurers are actually willing to offer rebates and discounts.  

Conclusion:

The more vehicles exist in a company’s fleet, the more important it is to think seriously about safety.  And every precaution counts as far as professional vehicles are concerned.  From the moment an automobile is capitalized, it should be driven carefully, and covered with a comprehensive commercial insurance policy. For more information, visit our website or give us a call at 1-800-639-7654 to find out how Adriana’s Insurance Services can help you stay safe. We got you covered!  
Commercial Insurance is a Must-Have for Professional Drivers: Especially Because of These 3 Reasons

Commercial Insurance is a Must-Have for Professional Drivers: Especially Because of These 3 Reasons

Commercial Insurance is a Must-Have for Professional Drivers: Especially Because of These 3 Reasons

If you rely on vehicles to earn a living in any way, it’s best to make sure you have Commercial Auto Insurance. Whether you drive a vehicle to make money in the gig economy, or whether you own a fleet of cars to provide specialized services, commercial insurance facilitates coverage which is specific to the unique needs of heavily-used automobiles.  

Business Necessitates Special Coverage:

Small Business Finance Specialist Priyanka Prakash explains that, “Commercial auto insurance is a type of insurance that can pay to repair damages to your vehicle, or other vehicles, when you’re involved in an accident. Not only is commercial auto coverage helpful, but it is also legally required in nearly every state except New Hampshire and Virginia.” Here are a few instrumental reasons why commercial auto insurance is essential:  

1.    Professional Use of Vehicles Voids Personal Auto Coverage:

The moment someone uses a vehicle for professional purposes, a wide range of safety rules/regulations come into play.  The only way to comply with labor laws once a vehicle has been capitalized is by purchasing commercial insurance.  

2.    Commercial Insurance is Tax-Deductible:

Commercial insurance qualifies as a business expense.  And business expenses are tax-deductible for entrepreneurs.  Even though spending extra money on insurance places a strain on budgets, all of these costs can be offset when the time comes to file taxes.  

3.    Expanded Liability Protection:

Personal auto insurance is usually configured to protect individual motorists.  On the other hand, commercial insurance is configured to protect third parties involved in certain accidents.  If an underinsured driver finds themselves liable for damage caused by professional driving, their out-of-pocket costs can become astronomical.  

Conclusion:

When purchasing commercial auto insurance, always get both liability, and property-damage protection for your assets. Additional protections may be available to customers, but these two provisions are vital. Commercial insurance can protect any vehicle used for business purposes. This includes cars, trucks, vans, tractors, and many more. For more information, visit our website or give us a call at 1-800-639-7654 to find out how Adriana’s Insurance Services can help you stay safe. We got you covered!
Insurance Simplified: 4 Commonly-Used Industry Terms, and What They Actually Mean

Insurance Simplified: 4 Commonly-Used Industry Terms, and What They Actually Mean

Insurance Simplified: 4 Commonly-Used Industry Terms, and What They Actually Mean

Most people won’t admit it, but buying insurance feels like learning a second language. There are so many technical terms and phrases that it’s easy to get lost when researching policies. The bad news is that insurance will always involve a certain amount of complicated language. The good news though, is that anyone can figure their way around with a little bit of curiosity and focus.  

Knowledge Is Power:

The California Department of Insurance suggests that, “Auto policies can vary a lot. Every motorist should discuss insurance needs openly with an agent, broker, or insurance company. These representatives can help you, but it is your responsibility to choose the insurance that is best for you. It is also important to be familiar with your auto policy before you need it.” Here are a few basic explanations of frequently-used insurance jargon:  

1.    Insurance Premium:

An insurance premium is the total amount people pay in order to buy an auto insurance policy. The cost of an insurance premium is decided by each individual’s risk profile. If you are a risky person to insure, the premium becomes expensive. If it’s less of a risk to insure you, the premium becomes cheap.  

2.    Insurance Claim:

An insurance claim is a formal request made to an insurance company. This request asks the company to pay for damages caused during an accident. Filing an insurance claim is the first step a person takes in order to activate the services or benefits promised in an insurance policy.  

3.    Deductible:

A deductible is a fixed amount of cash which people who purchase insurance have to pay out-of-pocket. This financial obligation is due whenever damages have occurred after an accident, or when an insured person is directly responsible for certain damages. Deductibles represent a fraction of the total cost of damages incurred during an accident. Insurance companies pay the other proton of this fraction.  

4.    Insurance Broker:

An insurance broker is a licensed middleman who is authorized to help average consumers find suitable insurance. Insurance Brokers scout for policies which are appropriate to unique customer needs. Brokers help each insurance buyer figure out their risk profile, and then find a reasonable policy which matches this profile.  

Conclusion:

Learning about insurance shouldn’t be intimidating. It should make people feel safe and reassured. That’s why it’s important to educate yourself as much as possible about the options available to you. Long before you ever pick up the phone to ask about rates or quotes, window-shop so that you can familiarize yourself with the lingo. Every time you see a term or explanation you don’t understand, look it up and figure out what it means for yourself. For more information, visit our website or give us a call at 1-800-639-7654 to find out how Adriana’s Insurance Services can help you stay safe. We got you covered!