With hurricane and storm season upon us, it is essential that you have the right insurance to protect your home if you are in an area prone to these natural occurrences.  Homeowners insurance alone will not always cover you in the event of storm or flood damage.  Often times you are required to have a separate flood policy to cover the effects of water, storm and hurricane damage.  Water can be very damaging to your home and the bills for repair will quickly add up.  Without the proper coverage, you will have to pay for these bills out of your own pocket.

Some may be thinking that they don’t need flood insurance because they are not prone to storms.  What many people don’t realize is that if they live in an area with heavy snowfall, they should think twice.  Melting snow can also be a major cause of water damage.  Purchasing a flood insurance plan is the only way to protect you and your home effectively.

A flood insurance policy from www.poliseek.com can cover you from the following natural disasters:

•             Storms
•             Melting snow
•             Hurricanes
•             Water backup due to insufficient drainage systems

 For more information and a fee quote, please use the online quote form on this page: https://www.poliseek.com/flood-insurance-quote.

If you’ve ever been in an accident you know that it can be a traumatizing experience. Knowing what to do can really come in handy. Don’t panic. Try to relax and stay calm. The first step is to make sure everyone involved is ok. After you’ve done that and called the police, you’ll need to file a claim with your insurance company. Here are some things you should know if you ever need to file a claim:

* You are required by your policy to report any accidents to your company; even if it is not your fault. Chances are they will find out anyway; whether it is from the adverse party’s company or from your motor vehicle record. You may also be required, depending on your state, to report the accident to the Department of Motor Vehicles.

*Before reporting your claim, try to have as much information at the ready. Your insurance company will need to know who was involved, where it happened, how it occurred and any other pertinent information. Also make sure to have your vehicle information at hand and any information from the police department or witnesses.

*Make sure to know how much time you have to submit a claim. Some companies have different statutes of limitations, so be sure to know the timeframe in which you can file a claim.

*Cooperate with your insurance company in their investigation. Give a recorded statement with as much detailed information as possible. Be sure to disclose any injuries that may have resulted from the accident.

Once the claim is file and liability has been determined, the at fault party’s company will take care of your damages. If the other driver was at fault, you’ll have the option of whether to let their company repair the vehicle or have yours do it and get reimbursed. Whichever way you go, remember that you can choose the shop of your choice. You are not required to go to the insurance company’s recommended body shop; although they might lead you to believe that. Whatever shop you choose, make sure you get a written guarantee for the repair work.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein.  No warranty or appropriateness for a specific purpose is expressed or implied.

Will your auto insurance cover your rental car?  Should you take or turn down the coverage a car rental agency usually tries to sell you?  It depends on what your own auto insurance covers.  Some companies will provide rental car coverage only if you are renting a car on vacation.  This is why you should call your auto insurance company or your agent to find out.Several states require that your insurance company provide coverage when you are renting a vehicle.  As mentioned, some insurance companies will only cover rental cars if you are specifically on vacation – the coverage is not extended for rentals on a business trip.

The car rental agency offers insurance to you to help to cover any accidents that might happen while you are on your trip.  Generally, it is okay for you to turn down the coverage, but only if you have the same or better protection from your personal auto insurance company.  Also, you may already have rental-car insurance provided by your credit card.  Both options can give you big savings over what the car rental agency offers.  Before you say no to the coverage, though, make sure that your auto insurance or credit-card coverage protects you – otherwise you could be driving your rental uninsured.  Also note that the rental agency’s coverage can include things like “loss of use” and “diminution of value” coverages that are almost never found in personal auto policies.

Keep in mind that since auto insurance is state regulated, the cost and coverage will vary from state to state.  You should check with your auto insurance company to be sure which coverage you either have or need.

NOTE: The purpose of this article is to provide general information on the law, which is subject to change.  If you have a specific legal problem, you may want to consult your lawyer.  For any auto insurance related questions, you may wish to consult your insurance company or insurance agent.