During this time of year, many of us wake up to snow, sleet or freezing rain. Yet, we still need to climb behind the wheel and head to work, school or errands. During the winter season it is important to keep a couple things in mind when living in this bi-polar weather state!
Always plan ahead
Keep an eye on the weather and see how much it is supposed to snow within the next hour or days ahead. If you are less experienced with navigating slick roads, take extra time before you head out. Staying calm and patient will make your trip go a bit more smooth.
Be on the defense
Consider taking a defensive driver class. Not only will this class come in handy when making the treacherous drive but could give you a discount on your auto policy. It is an inexpensive way to brush up on how to respond accordingly in dangerous driving situations and adverse conditions.
Take Care and Repair
According to Car Care Council, more than 5% of all vehicle accidents result from insufficient vehicle maintenance. Be sure to never skip out on a routine checkup especially during seasons of extreme weather.
Park it
It may sound simple but the best way to keep your car working and not involved in an accident is to not drive it during winter storms. Driving in severe conditions increases your chance of being involved in an accident. It's always best to stay safe at home than risk damage to your car or worse.
Since accidents do happen it is so important to be with an insurance company that will be there for you and your family in an emergency. At CIS we do business with 6 major insurance carriers that are all A/A+ rated with AM BEST. Our companies and claims services will be there for you when the roads get messy and an accident happens.
http://www.cisforyou.com/
Monday, January 31, 2011
Thursday, January 20, 2011
Whats going to cost you
Ever afraid of turning in a claim because you think you will be paying for it for the next 5 years?? OR have you ever turned in a claim only to find out that you WILL be surcharged for it for the next 3 to 5 years??
Your insurance score and premium is determined by MANY different factors but the one factor we will discuss today are chargeable claims.
It is very important to know the difference between Comprehensive and Collision when having FULL coverage on your vehicle.
Comprehensive coverage provides protection against the following; fire, theft, malicious mischief, windstorm, flying objects, hail, hitting an animal, and broken windows. Comprehensive coverage often has a deductible and can be sold alone without including collision coverage.
Collision coverage will not be issued unless comprehensive coverage is included. In order for collision coverage to come into play, there must be physical contact between the auto covered and another car, truck or object which then causes physical damage to your auto.
Comprehensive claims are NOT chargeable. In other words after you turn in a comp claim your insurance premium will not increase because of the claim. A valuable thing to know between comprehensive and collision is that if the object is moving when it strikes your vehicle the claim would fall under comprehensive if the object is stationary and you strike the object the claim would fall under collision.
Also, when getting into an accident with some one that is uninsured and the accident is NOT your fault, YOUR insurance will pay for the damages but will not surcharge you for the claim. Same with a hit and run on your covered vehicle.
Any accident that is YOUR fault and if money is paid out, whether it is for property damage, bodily injury, medical, or collision you will be surcharged.
At CO Insurance Specialist we represent over 10 different companies. This is important because each company has different rating scores and even though one company may increase your premium drastically for a chargeable claim another company may not. At each renewal we shop for the best rates to guarantee that you receive the most competitive rates and broadest coverages at all times. Don't be stuck paying an outrageous premium because of an at fault accident two years ago. Let us find you the company that fits you and your claims best.
www.cisforyou.com
Your insurance score and premium is determined by MANY different factors but the one factor we will discuss today are chargeable claims.
It is very important to know the difference between Comprehensive and Collision when having FULL coverage on your vehicle.
Comprehensive coverage provides protection against the following; fire, theft, malicious mischief, windstorm, flying objects, hail, hitting an animal, and broken windows. Comprehensive coverage often has a deductible and can be sold alone without including collision coverage.
Collision coverage will not be issued unless comprehensive coverage is included. In order for collision coverage to come into play, there must be physical contact between the auto covered and another car, truck or object which then causes physical damage to your auto.
Comprehensive claims are NOT chargeable. In other words after you turn in a comp claim your insurance premium will not increase because of the claim. A valuable thing to know between comprehensive and collision is that if the object is moving when it strikes your vehicle the claim would fall under comprehensive if the object is stationary and you strike the object the claim would fall under collision.
Also, when getting into an accident with some one that is uninsured and the accident is NOT your fault, YOUR insurance will pay for the damages but will not surcharge you for the claim. Same with a hit and run on your covered vehicle.
Any accident that is YOUR fault and if money is paid out, whether it is for property damage, bodily injury, medical, or collision you will be surcharged.
At CO Insurance Specialist we represent over 10 different companies. This is important because each company has different rating scores and even though one company may increase your premium drastically for a chargeable claim another company may not. At each renewal we shop for the best rates to guarantee that you receive the most competitive rates and broadest coverages at all times. Don't be stuck paying an outrageous premium because of an at fault accident two years ago. Let us find you the company that fits you and your claims best.
www.cisforyou.com
Thursday, January 13, 2011
Liability Coverage
With over 30 million automobile accidents every year and 40,000-50,000 of them resulting in death it is VERY important to make sure you and your loved ones have the coverage you need. Even though auto insurance is not something that we look forward to paying every month it will protect you in a major accident or catastrophe. By Colorado law every citizen that either owns or operates a vehicle must carry liability limits of at least 25,000/50,000/15,000. Which means the auto insurance will pay up to $25,000 of personal bodily injury per person in one accident, up to $50,000 of personal bodily injury per one accident and $15,000 total for property damage per each accident.
At CO Insurance Specialist we advise that our insureds carry higher than the state minimum requirements. We feel and have experienced that the minimum limits per person are far too low for our clients. With the price of vehicles, hospital visits and attorney fees on the rise you can imagine that even a minor accident can add up quickly.
We urge you to look over your current auto insurance policy and make sure your liability limits are higher than the state minimum and that you are fully covered in case of an accident. Although paying a little less each month may seem worth it now, think of what it would be to pay $5,000 to $50,000 out of your pocket all at once after a major accident.
For any more insurance questions or quotes please visit us online @ http://www.cisforyou.com/ or call us @ 1888-265-6467
At CO Insurance Specialist we advise that our insureds carry higher than the state minimum requirements. We feel and have experienced that the minimum limits per person are far too low for our clients. With the price of vehicles, hospital visits and attorney fees on the rise you can imagine that even a minor accident can add up quickly.
We urge you to look over your current auto insurance policy and make sure your liability limits are higher than the state minimum and that you are fully covered in case of an accident. Although paying a little less each month may seem worth it now, think of what it would be to pay $5,000 to $50,000 out of your pocket all at once after a major accident.
For any more insurance questions or quotes please visit us online @ http://www.cisforyou.com/ or call us @ 1888-265-6467
Work Cited
"Noble Continuing Education." Personal Property Insurance. ED. houston: noble continuing education, 2005. Print.
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