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Insurance Applications Beyond Homes and Cars

Two Ways Landscapers Could Be Held Liable For Damage Caused By Trees

Posted by on Oct 17, 2016 in Uncategorized | Comments Off on Two Ways Landscapers Could Be Held Liable For Damage Caused By Trees

Trees offer many benefits to your clients’ homes and businesses, including providing shade and privacy. However, they can also be a source of legal liability for landscapers if care is not taken when working with them. Here are two ways you can be held liable for damage caused by trees and what to do to avoid it. Failure to Diagnose Sick or Damaged Trees Trees that are sick, damaged, or dead can become environmental hazards. Branches may fall off and damage houses or other structures, or the trees may be more easily uprooted and thrown about during storms. If your contract with your clients entail caring for the trees on their property, you could be held liable for not recognizing when a tree’s health is failing and may need to be treated or removed. This potential for liability is based on negligence laws that hold people responsible for their actions or failure to act. To prove fault, your client would have to show that: You had a duty of care You breached that duty That breach caused an injury The client sustain damages as a result Caring for the trees on your clients’ property may create an expectation that you would inspect the trees for signs of disease or damage and notify the client about this issue. Failure to do this could put you at risk of losing a lawsuit if the tree later causes damage to the property or injures someone. It’s important you clarify with the client what your responsibilities are. If your duties only consist of keeping the trees watered or trimmed and doesn’t include diagnosing diseases or other problems, then you need to be upfront about this and include this information in your contract, so clients can’t come back and say they weren’t aware of your policy. Property Boundary Issues Another way you could be held liable for tree-related problems is if your clients experience property boundary issues due to where the trees were planted. Trees placed along the border of the land have the potential to intrude onto neighboring properties as they grow, which could lead to a legal issues for clients. For instance, if the tree eventually straddles the property line between two homes, it legally becomes the possession of both homeowners. Your client would be restricted from doing anything with the tree without getting his or her neighbor’s permission, which can cause issues. If the tree produces fruit of some kind, this co-ownership issue could translate to financial losses, depending on what the owner uses the tree for. This, in turn, may cause the client to sue you for those losses because of how the tree was planted on their property. When planting trees along the border of a property, it’s critical to consult maps that clearly show where the boundary line is and to place trees an adequate distance away so that they don’t cross the line when they’re fully grown. These are two examples of legal problems you could encounter in your landscaping business and reasons why it’s important to have insurance to cover potential issues. For more information about the type of liability you may run into or how landscaping contractor insurance can protect you, contact an insurance...

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Information To Help You Decide Whether To Get Collision Insurance

Posted by on Sep 29, 2016 in Uncategorized | Comments Off on Information To Help You Decide Whether To Get Collision Insurance

Collision insurance can be added to many insurance policies to protect you in case of a car accident. Here is some detailed information to help you decide whether to add this protection to your auto insurance policy.  What Are the Benefits of Collision Insurance? The biggest reason to get collision insurance is that it helps to ensure you’re protected in case of an accident. If you’re at fault for the accident and you only have liability insurance, the insurer will cover the other person’s damages, but your own repairs will likely come out of pocket. Even if the other person is at fault for the car accident, there’s not a guarantee that their liability insurance will cover it adequately. For instance, their insurer may dispute the validity of the accident or total cost that they should reimburse you for. And even if your claim is successful, it may take you a long time to actually get reimbursed for your repairs. You may be stuck without a car for a while or have to foot the cost of a rental. Collision insurance is there to provide more immediate and comprehensive coverage for your auto collisions.  What Does the State Require? Many states require some form of liability insurance and comprehensive insurance. While you may not be required to get collision insurance by law, it’s often worth considering. It may add only a few dollars per month to your insurance policy payment, while adding a lot of protection.  Do I Really Need to Repair Collision Damage? One reason that states won’t require collision damage is that, aside from critical damage, many collision repairs won’t affect your ability to be on the road. But repairing collision damage is good practice because many of the smaller damages (such as scratches) can turn into bigger problems (such as rust and rot).  What Affects Collision Insurance Rates? Many factors will affect how much collision insurance costs you. It will likely depend on your past driving record, your DUIs, and possibly your credit or criminal history. It could also take into account your gender, age, or marital status. Some may even give adjusted rates for members of professional associations. Different auto insurances take into account different factors when they are calculating how risk of a driver they think you are. That’s one big reason why it pays off to evaluate quotes from many insurers. Even if you already have an insurance company, another insurer may be able to give you a better deal when you factor in the added costs of getting collision auto insurance coverage.  For more information and options, talk with different auto insurance companies, such as Horgan Insurance...

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Reduce Your Homeowners Insurance Premiums With These Tips

Posted by on Sep 14, 2016 in Uncategorized | Comments Off on Reduce Your Homeowners Insurance Premiums With These Tips

If you are looking for ways to save some money, know that it’s possible to lower your homeowners insurance premiums with some simple tips. Have A Home Security System Installed Before you rush into getting a home security system, contact your agent to find out what kind of systems will qualify for a discount. There are many types of security systems out there, and simply having one may not be enough. For example, a basic security system that notifies your smart phone about motion sensors and doors being opened may not be enough. To get a discount, you may need a monitored home security system that will react for you when alarms go off. A monitored home security system may save you 20% off your homeowners insurance premiums. Not only will you get the bigger discount by choosing a monitored system, but you will have peace of mind that your home is secured. Avoid Making Claims When Possible Are you great at doing DIY projects around your house? If so, you may want to think twice about making an insurance claim with your homeowners insurance policy to get money for your projects. It may seem counterintuitive to have insurance and not use it, but every time you make a claim, it can translate into paying higher premiums. If you have a higher deductible, your deductible amount may even be higher than the amount it would cost to do the repair yourself. Learn to pick when it’s an appropriate time to use your insurance. Minor damage that you can repair yourself could be done on your own. Major damage from flooding or weather related issues may justify making a claim. Ask About Loyalty Discounts Most insurance companies will give discounts if you maintain a policy with them for a long time. You may have to ask for these discounts before they will give them to you. If you are approaching a milestone, like being with the insurance company for 5, 10, or 15 years, ask if you can receive a lower premium. You may be able to get a discount for simply staying with the company for so long. If you make changes to your home that can lower your premiums, be sure to call your agent and let them know. Even a small decrease in home insurance premiums can cause an improvement to pay for itself over the years. For more tips on lowering your insurance premiums, speak with your insurance...

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What Every Car Owner Could Face If They Neglect To Report Fender Benders

Posted by on Aug 29, 2016 in Uncategorized | Comments Off on What Every Car Owner Could Face If They Neglect To Report Fender Benders

Some people think that a “fender bender” is not significant. In fact, some drivers who experience these mishaps make the decision not to report them if they see minor damage such as a few scratches. There are a number of reasons why reporting small car accidents like these is sensible. Perhaps you have been in a fender bender in the past, and you and the other driver may have decided to part ways without filing a police report or reporting the issue to your respective insurance providers. Be thankful that your decision did not cause you any problems, but be aware that the following are some problems that drivers could face when they do not report minor accidents.  Hidden Damages After a minor accident, there may only be minor physical damages that are apparent. This is what causes many people to assume that it is not worth reporting. However, it is possible that there could be damages present that cannot be seen with the naked eye. For example, today’s vehicles come equipped with a variety of sensors and other high-tech parts. Minor accidents could damage these sensitive parts, and you may not notice a problem immediately following an accident. Failing to report accidents would leave you in a situation where it might be hard to prove that the accident is the likely reason for mechanical failure.  Post-Accident Pain Sometimes after a serious accident people involved do not feel pain immediately. So, imagine being in a minor accident. Most people will likely feel as though they are fine, but minor accidents can result in injuries too, and the symptoms of the injuries could appear hours or days after the accident. Elapsed time could interfere with you being able to prove that the accident is the contributing source of your pain. By reporting the accident, you will be able to have some recourse if you develop pain a short time following an accident.  Fines You could actually be breaking the law if you do not report that an accident occurred. Some states have laws in place, which make it mandatory for drivers to report all accidents that result in a certain amount of property damage. You might be surprised to learn that a ding and a few scratches on your vehicle could easily be over the designated amount for your state due to the fact that auto bodywork tends to be expensive.  A car insurance company (like Graber Insurance) is a good resource to use to determine the laws in your state. They can also help you to understand more reasons why it may be best to report fender...

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Auto Insurance: How You Can Avoid Claim Disputes

Posted by on Aug 6, 2016 in Uncategorized | Comments Off on Auto Insurance: How You Can Avoid Claim Disputes

Disputes with auto insurance companies when filing insurance claims are common. That’s why it’s important to know how to avoid the usual reasons for making a complaint when you and the insurer don’t agree. Talk to an insurance company like Plumer Insurance Agency for more information. Purchase GAP insurance. If you are involved in an auto accident and your insurer determines that your vehicle is a total loss, you may not agree with the valuation the insurance adjuster gives you. While you won’t get what you originally paid for the vehicle, the insurance company will determine how much your vehicle was worth right before the accident. That’s the amount you will get, even if it’s not enough to pay off the vehicle’s financing. Although you can challenge a low valuation, you still might not get the amount you feel your vehicle was worth. But if you buy GAP coverage at the time you purchase the vehicle – particularly if you finance it – you will be covered for the difference between the vehicle’s value at the time you purchased the extra coverage and how much it was worth prior to being damaged in an accident. Understand who is responsible for the quality of repairs. If your insurance company arranges for the repairs to be made by an auto repair shop that it approves, the insurer is responsible for the quality of the repairs. But if you arrange for the repairs yourself at an auto repair shop of your choice, it’s up to you to argue with the repair shop if you aren’t satisfied with the quality of the work. Your insurance company merely is responsible for reimbursing you the cost. Make certain that you understand the terms of the policy as some insurers only allow you to take your vehicle to an approved auto shop for repairs. Others allow you to choose where you want your vehicle repaired, but the insurer only will pay what it would pay an approved repair shop. If the repairs cost you more, you are left paying the difference. Keep your insurance company informed of any modifications you make to the insured vehicle. Otherwise, if your vehicle is damaged in an accident, the insurer may reject your claim for non-disclosure. Even if your vehicle included no modifications at the time when you took out the policy, modifications affect a vehicle’s value. Therefore, to ensure coverage in the event of an accident, you need to keep your insurance company updated on any changes you make to the vehicle throughout your ownership. Even though modifications, such as tinted windows, a souped-up engine, or mobility equipment, that change the way your vehicle looks and performs can increase your auto insurance rate, you want to be covered if your vehicle is stolen or involved in an...

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Protect Your Home Against Wind To Avoid Having To Make An Insurance Claim

Posted by on Jul 26, 2016 in Uncategorized | Comments Off on Protect Your Home Against Wind To Avoid Having To Make An Insurance Claim

When it comes to protecting your home from damage that requires you to file an insurance claim, it’s easy to focus on strategies that reduce the risk of fires, floods, and break-ins. While doing so is important, you shouldn’t forget to also take steps to lessen the chance of wind damage requiring you to make an insurance claim and pay the deductible — especially if you live in an area in which high winds are common. There are a number of different ways that you can make your home less likely to suffer damage during a wind storm, including the following methods. Keep Your Trees Trimmed Tall trees are ideal for keeping your home shaded and cool during the summer months, but it’s important to always keep the trees around your home trimmed to avoid potential damage during high winds. Branches should never extend above your roof, for example, as it’s too easy for a gust of wind to snap off the branch and send it falling through the roof — and leave you needing to pay your home insurance deductible. Likewise, you should have trees removed when they’re dead or partially dead, as they are more susceptible to breaking off when the wind is heavy. While you can do the trimming or tree removal work yourself, you might prefer to hire a tree trimming contractor if the task seems daunting. Deal With Loose Yard Items At any given time, you might have a number of loose items throughout your yard. The concern, however, is that high winds could cause these things to blow around — and could leave you with damage that requires you to file a home insurance claim and pay your deductible. Think of a patio set, for example. On the surface, it might seem heavy enough to stay put, but high winds can easily lift a chair or a stool and send them crashing into your sliding glass door, causing damage. Keep potential projectiles stored safely in your garage or shed when high winds are in the forecast. Make Sure Your Siding Is Healthy A heavy gust of wind can easily pull a strip of siding off of your home, and the concern is that because siding panels are linked, you could soon have major damage on your hands. It’s a good idea to keep an eye on the siding and make sure there are no loose panels. While you can hire a contractor to fix this issue, a simple solution is to buy a box of gasketed screws that match the color of the siding and affix the loose areas...

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Tips For Saving Money On A New Auto Insurance Policy

Posted by on Jul 4, 2016 in Uncategorized | Comments Off on Tips For Saving Money On A New Auto Insurance Policy

If you are in the market for a new auto insurance quote, you might be interested in getting the best deal possible. If so, then you will want to take a few moments to review the following tips. Compare Multiple Companies It is important to make sure that you are comparing the price for an auto insurance policy from multiple companies instead of assuming that they are all going to charge pretty much the same amount. Some companies are able to offer much better deals than others. Of course, you need to make sure that you are comparing the same types of coverage. Otherwise, you will not be getting a clear picture of what your options are. Therefore, before you start your comparisons, you will want to write down some of the key aspects that your insurance policy must have and then make sure that you are getting a price quote for those things. Some of those key aspects include full or partial coverage, limited or full tort, rental car coverage, towing packages, medical expense coverage, and uninsured drivers coverage. You might want to seek advice from a trusted insurance agent to see if there is anything else that you should consider having as a part of good insurance coverage. Ask For The Higher Deductible If it is unlikely that you are going to be at fault for a lot of automobile accidents, you might want to opt for the higher deductible. After all, the deductible will generally only apply to you if you are the cause for the accident. In some cases, if you get into an accident due to an act of nature, such as an animal running in front of you, you may also need to pay the deductible. However, you may save a lot of money on your insurance policy if you opt for the higher deductible. This is because the insurance company knows that you will have to pay a little more in the event of an insurance claim and will therefore give you a small price deduction on the cost of the yearly premium. If you insist on the smaller deductible, you may find that the cost of the premium will increase because the company knows that they will be responsible for more money in the event they have to pay out on a claim that you file. With just those two key tips in mind, you should have no trouble making sure that you are getting the best possible deal on your new auto insurance...

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Tips For New Homeowners To Reduce The Risk Of Injuries On The Property

Posted by on May 23, 2016 in Uncategorized | Comments Off on Tips For New Homeowners To Reduce The Risk Of Injuries On The Property

For new homeowners, it is important to understand the risk of injuries and potential liability on your property. It is your legal responsibility to ensure that your property is safe, and you can face the potential for legal issues if someone is hurt. Here are a few tips to help you protect yourself against that type of liability and reduce the chances of a payout on your liability umbrella policy. Examine Your Landscaping Regularly It is important that you examine your property regularly for any signs of damage or potential safety hazards. Check all of the trees on the property for any damaged, dead or broken limbs. Trim these right away, because any branches that fall can leave you at risk of a liability suit if someone is injured. Even if the branch falls onto your neighbor’s property, you might still be considered liable for any injuries caused as a result. You should also look for any standing water or holes on the property. Holes are a particular concern because they can cause people to trip and may lead to injuries. You’ll also want to check for any visible wasp nests or uneven areas in your yard and mark them so that they are visible until you can address them. Check Your Stairways and Railings When you have stairways in your house, they should be covered with either non-slip tread or coating. You might also find it helpful to put a strip of bright, bold-colored tape on the edge of each step so that the edges are easy to see. This is usually helpful for people who struggle with depth perception issues. Periodically check the condition of the tread and tape. While you’re at it, check the bolts that hold the railing in place. Examine the railing itself for any signs of flaking, chipping or cracking. Damage like this can cause cuts, splinters or other injuries. Sand and refinish any railings that show these signs. Be Attentive To Food Safety If you’re planning any kind of party or event where you’ll be feeding people, food safety is a serious concern. Make sure that everything prepared in your kitchen is done safely to avoid cross-contamination risk. Use different cutting surfaces for raw meats than you use for any other items. Make a point to wash your hands completely between handling different ingredients, too. That way, you don’t spread bacteria. The more attentive you are to the potential hazards on your property, the less risk you’ll have of a serious injury. Your casualty insurance provider can help you understand some of the other common property hazards that new homeowners should know. For casualty insurance, contact a company such as Donaghy Kempton...

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3 Things To Consider Before Your Purchase A Life Insurance Policy

Posted by on May 10, 2016 in Uncategorized | Comments Off on 3 Things To Consider Before Your Purchase A Life Insurance Policy

Most people know that they should always be carrying a life insurance policy. It is a vital part of caring for your estate and ensuring that your family is financially taken care of after you pass away. However, many people do not know how to calculate the amount of life insurance they need. Not getting enough in life insurance could be just as bad as not having it. Here are some things you need to consider before calculating your life insurance policy. 1. Take Care Of Your Families Financial Needs For Years To Come One of the main reasons to get a life insurance policy is to help care for your family financially following your death. The amount that your family will need varies on your individual circumstances. If you are the primary bread winner and you have children at home your spouse may need money to live off of until the children are all in school, or have left the home. It may not be until then that your spouse can re-enter the work force. Even if you are not the primary breadwinner, you need to factor in childcare expenses and the loss of income and help. For instance, if you were a stay at home your spouse may now need to pay for a nanny, a maid and other assistance around the house. In order to figure out how much you should get, calculate how much you expect to live off of each year and the multiply that by the number of years you’d expect your family would need help. This will give you an idea of how much to purchase. 2. Unforeseen Expenses and Funeral Expenses Another thing to consider is unforeseen expenses and funeral expenses. Most people do not have a savings account for their funeral, so the costs will come out of your life insurance policy. In addition, you may have had a good deal of medical treatment before your death, these bills will pass on to your family, which is why life insurance can be so helpful. 3. Pay Off Debts Lastly, you should factor in the amount of debt you have. In many cases your debt will not be forgiven when you pass away. Instead, the creditor will hold your family responsible for it. This is why you should include your house, car, credit cards, student loans and anything else that might be outstanding in your policy. By considering these three things you will know how much to purchase in life insurance. Contact an insurance broker, such as Amberg Insurance Center Inc, for more...

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3 Tips For Paying Less Each Month For Auto Insurance

Posted by on Apr 22, 2016 in Uncategorized | Comments Off on 3 Tips For Paying Less Each Month For Auto Insurance

If you own a vehicle, you will want to be sure to keep auto insurance coverage on it. This will allow you to avoid any financial disasters that may occur due to an accident. The simple act of driving makes it more possible for you to get into an accident, so you should keep you and your vehicle protected. However, auto insurance can get pricey, and you will want to know some of the most efficient ways for you trim these costs.  Being aware of tips that will allow you reduce your car coverage is sure to be helpful to you. Tip #1: Carpool Did you know the less you drive on a daily basis, the less you will have to pay for insurance. This is simply because you have a much lower risk of getting in an accident if you’re not on the road. It may be impossible to quit your job or find a shorter route to work. However, why not ask your neighbors if any of these people work where you do? This may allow you all to carpool together, and this can end up saving you money on insurance and gasoline. Tip #2: Check your policy You may let years go by without taking a close look at your current insurance coverage. This is not ideal because during this time a lot of things can change. For instance, you may have a comprehensive plan on your older vehicles, and you simply don’t need this. You can reduce the cost of your coverage by switching to a lesser policy, such as a basic liability one. Tip #3: Maintain an excellent credit rating One of the indicators of how you’re paying your bills is your credit score. The less time you take and the quicker you get these paid, the higher your credit rating may be. You will want to avoid making any late payments or skipping a payment because this can cause a huge deep in your credit score. Insurance companies may give you a lower rate if you do have a higher credit rating because you pose less of a risk to the company. The key to having lower auto insurance bills is by knowing what you can do to help lower these. There is a variety of things you can do that will help save you money. Be sure to check with a local auto insurance agent (like those at Axiom Insurance Agency or a similar office) to assist you in finding other ways to reduce your...

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