After an auto accident occurs you may find yourself asking the question: “Should I file a claim or not?” There may be times when it’s okay not to involve your insurance company after an auto accident, but there are others when you should call your agent to file a claim: If anyone is injured in the accident – your passengers, passengers in another vehicle, a pedestrian – you should file … [Read more...] about File or Not to File a Claim
There are many factors that may contribute to an increase in your auto insurance premium. You have some control over a few causes but not all. Here are a few to consider: You may not be bundling your homeowner, auto, umbrella, boat, life policies, etc. with the same carrier. The more insurance you place with the same company, the cheaper the total price tag can be. Find … [Read more...] about WHY You May See an Increase in Your Auto Insurance
When we shop for a vehicle, household appliance or a new home, we obviously consider the price of the car, the refrigerator or the house. However, the cost, although a major factor, is never the only one to consider when we take out the checkbook or credit card for … [Read more...] about Why PRICE Isn’t ALL that Matters
This type of coverage is a very affordable way to obtain a good deal of coverage and protection. With a personal umbrella policy in place, your assets and future earnings are much better protected if, for some reason, you face a lawsuit. Umbrella policies are inexpensive because they kick in only after you’ve exhausted your liability coverage under your auto or homeowners policy. The … [Read more...] about Umbrella’s – A Rainy Day Policy
Have you even heard of such a thing? Probably not, but you should be aware of its definition. This is coverage for a loss caused by the enforcement of ordinances or laws which regulate construction and repair of damaged buildings. If you own an older structure and it is damaged, it may need upgraded heating, electrical, ventilating, HVAC and plumbing to meet current codes. So … [Read more...] about What is Ordinance or Law Coverage?
Sanger Insurance collects donations every year during the months of November and December for our local Sanger Bargain Depot – Crisis Center. The food collected goes to local families in need. This year we collected more than in years past. Our local Camp Gladiator collected for us along with many of our customers and all made a huge difference in the amount of food … [Read more...] about Sanger Bargain Depot – Crisis Center
The last time you found yourself out driving in the rain, did you notice more accidents than usual? If you did it’s probably because nearly half of car accidents related to weather are due to… RAIN. Lately, we’ve experienced more than our share of the wet, messy stuff so it is important to take precautions to avoid such accidents. We don’t want to experience the injuries which can occur nor do we … [Read more...] about Safely Driving in the Rain
Many insurance companies will not write a mobile or manufactured home on a standard homeowner’s policy. In obtaining a quote, your agent should ask multiple questions to determine the specific coverage you need. Some of these important coverages are listed below: Do you have comprehensive protection? This covers any cause of loss such as fire, lighting, wind, hail, explosion, burst water pipes, … [Read more...] about Is Your Mobile or Manufactured Home Covered Properly?