Setting your deductible too high or too low
In general, the higher the deductible, the lower the cost for the policy. When choosing a deductible, think about how much you can afford to pay if your property is damaged. Remember filing small claims may affect how much you pay for insurance later.
Talk to your agent to find a good balance between premium and deductible amounts.
Not having enough home or auto insurance
What if your house or car is damaged and you don’t have enough coverage? Think about how much you need to replace the contents of your house, your jewelry, and other valuables. You can buy more coverage if you need it.
Knowing to ask about or when to drop comprehensive or gap coverage
If your car is older and paid off, you can probably drop collision and comprehensive coverages. Comprehensive pays if your car is stolen or damaged by something other than an accident. Ask your agent if paying for the coverages is in your best interest.
Gap insurance helps pay the difference between your car’s value and the amount you owe. You don’t need gap insurance if you owe less than what your car is worth.
Do you have doubts or questions you have always wondered about regarding insurance that we can help explain for you?
Rear-end collisions are one of the most common types of car accidents, accounting for about one-third of all collisions in the United States. In 2017, they represented nearly 18% of all fatal collisions in the U.S., according to the Insurance Information Institute. Considering the frequency of these types of accidents, read on to avoid a potentially dangerous rear-end collision.
If you engage in the following behaviors, you may be putting yourself at risk of being involved in a rear-end collision:
Generally speaking, the driver who rear-ends another vehicle is often found to be at fault, regardless of the number of cars involved. If you are the driver found to be at fault, you will likely be held responsible for property damage and medical bills resulting from the accident. In this situation, having collision coverage in addition to your liability coverage can be extremely important. Collision coverage pays to repair or replace your vehicle in the event that it is damaged in a collision, even if you are at fault.
There are a number of safe driving practices that can help you to avoid this type of collision:
The three-second rule is a way to figure out how much distance you should keep between your car and the car in front of you. Keeping a safe distance between vehicles is the ideal way to make sure you have enough time to reach to a sudden stop and avoid a rear-end collision.
Here’s how the three-second rule works:
If you have a safe driving record, you can avoid increasing insurance rates, and you could even qualify for a safe driver discount! Whether it’s driving safely to prevent accidents involving you or your passengers or helping keep your insurance premium low, it pays to engage in safe driving habits! If you have questions about whether you have the coverage you need to protect you in the event of a rear-end collision, reach out to your local National General insurance agent. We’re here to help answer any questions you may have, and will get you the coverage that fits your budget and lifestyle!
When heavy rains fall, especially in the spring and summer months, homeowners might be most concerned with issues like a leaking roof or overflowing gutters. Sewer backups, although not as common, can often accompany heavy rains, and can easily cause thousands of dollars in damage to floors, walls and even furniture. Learn more about what causes sewer backups, as well as how you can protect against this type of damage in your home.
A number of factors influence the frequency of sewer backups, some of which can be prevented and some that are a result of the state of sewer systems in your area.
If you see the following warning signs, it’s best to stop using your water and contact a plumber immediately:
Although you can’t completely eliminate the possibility of a sewer backup, there are some steps you can take to help prevent this type of damage.
Depending on your homeowners insurance policy, you may or may not be protected from damage resulting from a sewer backup. If you’re uncertain about what’s covered and whether you need to purchase additional coverage, reach out to your local agent. They will be happy to help you get the coverage you need to protect your home and belongings.
There are two main types of car liability insurance:
Bodily injury liability and Property damage liability. Liability insurance also helps to cover the costs of lawsuits arising from an accident. What does it NOT cover? How much do you need? Call us or click to learn more.