February 16, 2011 In regards to young drivers with their limited experience – all insurance companies look at them as a high risk, that is why for teens it is important to establish good driving habits at a young age so that in a couple of years their rates will be reduced. One of the factors that motivates an insured to shop rates is when their teenager starts to drive. Rates can double and even triple when adding a young driver. With over 20 companies we can provide a rate that you will be comfortable with. We also have an excellent article regarding teen driver’s published in Arizona Parenting and would be more than happy to mail you a copy. Just use the form on the contact page to request a review of your insurance! AUTO - How much liability should YOU carry? Insurance consumers may overlook their liability limits as they don't fully understand how they work. Insurance agents might even try to hide low limits to save on premiums and make it appear you got a great deal. If you do not understand what liability insurance covers you may be underinsured in the event of an accident. If you cause a serious accident you could get stuck with a bill for the difference. You will have to pay this difference out of pocket, and if sued for it could easily spend thousands in legal fees. An event like this could change the way you live and also puts you at risk for alternative methods of repayment. Please give us a call to review your insurance before it is too late! February 24, 2011 Most auto accidents happen in quickly and are a traumatic experience for the drivers. Many times things are overlooked that not only would help the claims process. The fist thing that should be done ALWAYS is call the police. Always allow the police file a report, no matter how minor the accident is. Without this it is just your word against the other driver's. Always leave the accident scene with the following information: - Make, model and color of other car involved in the accident - - Name and address of the other driver - - Other driver's insurance information, (company name, policy number) - Name of officer responding to the scene - Once you return home call claims and report the accident. If the accident is your fault, then call your own insurance company and report the accident. If the accident was the other driver's fault, then you should collect from their insurance company and file the accident with their claims department. If you do not have the phone number for their claim department, try the web or call us and we can assist you. Remember that we are always there for you to help you through the claims process. April 11, 2011 Confused about auto insurance coverages. Don't be. Call us and one of our licensed Arizona Insurance agents will be happy to go over coverages with you. Here is a brochure available from The Arizona Dept of Insurance that is helpful http://www.id.state.az. us/publications/Auto_Consumer_Guide_3-07.pdf |
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