Insurance

Insurance Tips

Insurance

Helping Your Claim Go as Smoothly as Possible

I'Ve BEEN IN AN AUTO CRASH – WHAT NOW?

  1. Make sure no one is injured. Does anyone need medical assistance (you, your passengers, other parties, pedestrians)? If so, call 911 immediately.
  2. Contact the authorities. Whether the accident occurred on a public or private road, always report the accident.
  3. Take photos of the damage with a camera or cell phone.
  4. Report your loss to the insurance carrier. Things they will need to know:
    • When and where the crash occurred
    • How the crash happened
    • What kind of vehicle or vehicles were involved (include the year, make and model)
    • A description of damage to the vehicle/vehicles
    • The names and contact information of all parties involved, plus witnesses
    • The name of the law enforcement agency that responded and the police report number

MY PROPERTY HAS BEEN DAMAGED – WHAT NOW?

  1. Make sure no one is injured. Does anyone need medical assistance? If so, call 911 immediately.
  2. Do the authorities need to be contacted? If so, call 911.
  3. Protect your property from further damage.
    • Arrange for safe and reasonable temporary repairs such as boarding up broken windows, covering the roof, and removing debris.
    • Keep a list of any temporary repairs you make and document the damage. Make sure to save your receipts in a safe location.
    • If possible, place damaged items in a secure area where they can be inspected. If you are unsure about an item, include it with the damaged property.
    • If you have fire or smoke damage, do not try to clean the damaged items.
  4. Take photos of the damage with a camera or cell phone.
  5. Report your loss to the insurance carrier. Things they will need to know:
    • Your policy number
    • When the incident occurred
    • A general description of what happened
    • The location of the damaged property and what was damaged
    • The condition of the property. If it’s a home, is it still habitable?
    • Are temporary repairs needed? What temporary repairs have you already made?
    • If authorities were contacted, which department responded (police/fire department)? Also provide any report number. 
 

Prevention

Be well prepared when a loss occurs, or even better – prevent the need for a claim altogether.

HOME – INTERIOR

  • Maintain an inventory of all your valuable personal property: get appraisals, take photos and keep receipts. Keep digital copies of all this information in online “cloud” storage, or on a flash drive that is kept in a safety deposit box.
  • Give neighbors your contact info, so they can alert you of a fire or burglary if you’re away.
  • Check smoke detectors and replace batteries when needed.
  • Check that all interior vents (bathroom, kitchen, laundry) are properly connected to roof vents; buildup of moisture in the attic from improper connection can cause harmful mold.

HOME – EXTERIOR

  • Have your roof gently cleaned yearly (don’t use a high-powered pressure washer).
  • Clean gutters frequently and make sure your downspouts drain freely away from the home.
  • Check for peeling exterior paint, which can allow pests into the wood.
  • Cut down weak or diseased trees near your home, to prevent fall damage.
  • Keep all walkways clear to avoid falls – one of the most common homeowners claims.
  • Make sure railings are strong and sturdy, to prevent falls – another common claim.
  • Fence-in pools and trampolines to keep children from injuring themselves when you’re away.

VEHICLES

  • Regularly check that your headlights and turn signals are all in working order.
  • Brakes should be in good working order – any squealing or grinding should be inspected.
  • Proper tire inflation helps you maintain control of your vehicle and improves braking.
  • If you don’t carry a cell phone with a camera, keep a disposable camera in your glovebox.
  • Keep your auto insurance ID card in your vehicle at all times; you will need this information if you get in a crash. Plus, you can be ticketed for not having your card in your vehicle.

COMPLETE YOUR COVERAGE

  • Be even better prepared for the unexpected – cover your protection gaps with umbrella, life or other valuable policies available from AAA Insurance.

KEEP YOUR AGENT UP TO DATE

  • Your agent created your coverage based on your unique needs. When those needs change – because of any number of life events – please contact your agent and let them know. They may suggest changes to your existing coverage or even offer a new policy that fit you better.