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What is a Deductible?

If you’ve ever had an auto accident or a homeowner’s claim, you have likely talked about your deductible. A deductible is the amount that is “deducted” or subtracted from the overall loss amount. So theoretically, if you have an auto…

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Why Is My Auto Damage Estimate Not What I Anticipated?

Have you ever wondered what the body shop technician is looking at when they are writing up an estimate for damages to your vehicle? You may expect the estimate to come back at “this number” but are shocked to see…

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Why You Need Transportation Expenses Coverage

Oftentimes, when damage occurs as a result of an auto accident, the vehicle can be rendered undrivable. When such an occurrence presents itself, you can find yourself in a tough situation if your auto insurance policy doesn’t provide coverage for you…

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Why You Should Keep Your Collision Coverage

When it comes to collision coverage on the auto policy, the guideline many people follow is to remove the coverage after the vehicle is ten years old. Many believe that after the ten-year mark, most vehicles are not worth enough to warrant keeping the expensive…

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When Everything Old Becomes New Again

One of the more challenging things that can happen during a claim rep’s day is to receive a “new” file on an incident that happened months and possibly years earlier, especially if it’s a liability file.

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A Day in the Life of Your Claim Representative

I was given a list of subjects people expressed interest in seeing addressed in our blog.  Most did not surprise me as they are the subject of questions we receive in the Claims department on a regular basis.  But one…

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The Other Side of an Accident Claim

When handling an automobile accident claim, I’m often asked the questions: “The other guy’s insurance company called me.  Should I talk to them?  What should I say?” That’s when Martha the super-cautious individual and Martha the experienced, common-sense claim professional are…

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Adjusting Your Attitude about Your Claims Adjuster

I have handled a lot of claims in my four-plus years as a claims adjuster.  I would love to say that all of them end with the insured adding me to their Christmas card list, but this is not always the…

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“Back” to Basics

Have you ever had an employee unable to work due to a back injury?   If you have, you are not alone, as many employers deal with this serious workplace issue.   By following a few simple tips, you can help reduce back…

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How You Can Help Speed Up the Claims Process

When you need to file a claim, your insurance company wants to reach a fair and quick resolution as much as you do. Here are a few tips that you can follow to help speed up the claims process.

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