Dealing with an auto accident is a stressful experience. At E.S.T.I.R. Inc. we provide auto insurance policies to protect you financially after an auto accident.
It’s important that you know how filing a claim works so that you can minimize some of the stress and uncertainty of experiencing an auto accident. The following are three things you should know about filing auto insurance claims in Bloomfield, NJ.
You need to exchange info with other drivers after an accident.
Drivers are expected to give one another some information after an accident. You should collect the names, license plate numbers, and insurance policy numbers of all the other drivers involved in the accident. You’ll also be expected to provide your own information to the other drivers.
Taking pictures of the accident site and getting a police report could be good ideas.
After an accident, the insurance companies of the involved drivers often need to determine who was at fault in the accident. Taking pictures of the accident and getting a copy of any resulting police report could help your insurance company to prove that another driver was at fault.
You may need to have collision coverage to be compensated for damage to your own vehicle.
If you are deemed at fault in an accident, you may not be compensated for damages to your own vehicle if you don’t have collision coverage.
Collision coverage covers the costs of repairs to your own vehicle. This type of auto coverage is not required by law, but it is important to have for New Jersey drivers.
If you have questions about auto insurance in Bloomfield, NJ, we’re here to help. Send us a message online or call us to inquire about our auto insurance policies at E.S.T.I.R. Inc.
E.S.T.I.R. Inc. serves homeowners in the Bloomfield, NJ area with all of their insurance needs. Agents understand that as time passes, your needs change when it comes to your homeowner’s insurance. A home remodel or significant changes to your property outside your home may require you to review your policy so that you are sure you have the coverage you need to protect your financial investment.
Renovations, Remodels, and Upgrades
Instead of looking for a new home, many homeowners are choosing to keep their current home and make renovations or upgrades. Adding an additional room or two is also a possibility. These types of changes can significantly increase the value of your home making your old insurance policy sorely inadequate. Even small upgrades such as the installation of smart appliances and a well-planned security system may have a dramatic impact. It is extremely important that you notify your insurance agent so you can upgrade your policy to match your home’s value.
Exterior Changes, Such as Landscaping, Swimming Pools, Fences, and Sheds
The addition of a swimming pool, privacy fences, sheds, and expensive landscaping/lighting systems can also increase the value of your home. Notifying your insurance agent is essential if you want your new items to be fully covered. The opposite is also true. If you remove any buildings or get rid of a swimming pool or landscaping, this may reduce the value of your property.
If you are thinking about or have already completed any substantial home improvements call the agents of E.S.T.I.R. Inc. today and have them go over your policy with you. The agents offer policy reviews to all of their clients who live in the Bloomfield, NJ and surrounding areas. Visit today and make sure you have the coverage you need.