If a grilling accident in your house leaves a guest injured, a storm damages your home, or a burglar breaks in, the biggest worry is always about whether or not you’ll recover from the loss. Each time an unfortunate event occurs in your Florida or Michigan home, you may be forced to file a claim with an insurance company. But, a claim against a homeowner’s policy comes with various regulations and procedures that you and the insurer must follow. Even though it’s advisable to contact a reliable agency like America’s Choice Insurance Partners in Wixom, MI, it’s still essential for you to understand the claim procedure. Here are the steps to get you started.
Contact the police
If your house has been burglarized or you are a victim of theft, report the case to the police. Be sure to get a police report, including the names of the officers you speak with since you will need to offer these details to your insurer.
Report the incident to your insurance provider
Your insurance provider should be able to inform you if the incident is covered, the duration of filing a claim, and if the request exceeds your deductible. They will let you know the period it’ll take to process the claim and if you’ll need to get estimations of the structural damage.
Fill out claim forms promptly
Once you establish that you can make a claim, your insurer will send the necessary claim forms within a specified time as required by law. Fill them out promptly to avoid delays.
Create a list of damaged or lost items
Since you need to substantiate your loss, create a list of damaged or destroyed items. Ensure you have a copy for your adjuster. Additionally, supply them with available copies of receipts for the damaged or stolen items.
Making a home insurance claim doesn’t have to be complicated provided you take the time to gather information and ask the right questions. Luckily Michigan and Florida residents can rely on America’s Choice Insurance Partners in Wixom, MI for help. Contact us today for more information.
Teenagers bring their own special set of worries to the road. Whether it be learning how to drive or driving on their own, it can be a stressful situation. If you are in the process of raising teen drivers now, or if their time to drive is soon approaching, here are a few things you should discuss with your teen before adding them to your insurance with America’s Choice Insurance Partners serving Wixom, MI and surrounding areas.
Driving is a Privilege
You should make sure that your teen fully understands that driving is not their right, but rather their privilege. They should understand that individuals who do not respect the rules of the road, and the rules of your house, cannot continue to be granted that privilege. Make sure that your teen understands your rules very clearly so that there is no confusion about what is expected of them.
Driving is Costly
You should also make time to explain to your teen the costs that are involved in driving. There is the cost of the vehicle and its maintenance, the cost of insurance, and the costs of tags. Your teen should be well aware of how expensive it can be to break the rules as well. Traffic violations can carry a hefty price tag in addition to the fact that they will also affect your insurance rates. Young people need to understand the truth about the costs of driving.
Poor Driving Practices Have Consequences
Your teen should be well aware of the consequences that are set in place for breaking the rules or getting a ticket. Having a clear consequence in front of them is often a great way to discourage bad driving behavior.
If you would like to learn more about adding teen drivers to your insurance, call our friendly staff at America’s Choice Insurance Partners serving Wixom, MI and surrounding areas.
RV insurance is protection against the loss of your recreational vehicle. It doesn’t just protect you if you have a motorhome; it can also cover small campers, fifth-wheel trailers, travel trailers, and truck campers. This type of insurance functions similar to an auto insurance policy, but covers as a hybrid home and auto insurance policy.
Do You Have to Have RV Insurance?
If you are driving your RV in Wixom, MI, you are going to be required to have insurance. If you are only towing an RV, then insurance is likely optional. You may be required to have insurance if you’re a purchasing your RV through a lender. You may still want to consider RV insurance, even if you don’t have to have it, because you can never have too much insurance.
What Does RV Insurance Cover?
A traditional auto insurance policy will treat the RV as a regular car so that it won’t cover any living spaces, such as a kitchen or bathroom. An RV insurance policy will cover what you have to deal with on the road, along with your personal belongings for the living areas. There are some additional coverage options, such as personal attachments coverage, that will cover things like TV antennas and awnings. Roadside assistance will cover you if your RV breaks down from mechanical or electrical failure. Pet injury coverage will cover incidents if you live with a pet in the RV.
Types of RV insurance
When figuring out which insurance to purchase through America’s Choice Insurance Partners, know how you will use your RV. Full-time insurance will provide liability coverage like a homeowners policy would, and it is useful if you are living in your RV. Part time insurance is good if you are using your RV part-time, or at a campsite.
Contact America’s Choice Insurance Partners, serving Wixom, MI, to get a quote on RV insurance.