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auto insurance
insurance quote
low cost car insurance
cheaper car insurance
buy car insurance
"product liability insurance"
commercial business insurance
car insurance california
car insurance rating
[homeowner's insurance quote]
crime stoppers
collector car insurance
"buy car insurance"
"car insurance brokers"
"collector car insurance"
"homeowner's insurance quote"
product liability insurance
car insurance brokers
homeowner's insurance quote
business insurance interruption
carlsbad community
san diego car insurance
business general liability insurance
insurance and car
"car insurance california"
[product liability insurance]
[business general liability insurance]
estimate car insurance
"business general liability insurance"
local insurance agent
carlsbad insurance
"san diego car insurance"
gateway insurance
tague insurance
david miller insurance
reinhardt insurance
carlsbad police department
carlsbad insurance agency
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pacific edge insurance
mckinzie insurance agency
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tagueins.com
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carlsbad crime statistics
harding insurance services
What to Do After an Car Accident
Automobile collisions happen every day, clogging thoroughfares, twisting metal, complicating lives. Although no one wants to
experience a wreck, knowing what to do in case one happens to you could soften the impact on your life in the days and weeks
to follow.
At the Scene
The first priority is the condition of those involved. Call for medical help if anyone at the scene is injured. Notify the police as
soon as possible. Depending on where you live, the police may respond only to the most serious accidents.
Next, obtain the names, addresses, and telephone numbers of all persons involved, including passengers and witnesses.
Record the license plate numbers of all other cars involved.
It's best not to admit an accident was your fault, even if you think it was. A simple apology can be construed as an admission of
fault. Let the authorities determine who was responsible. Auto accidents can be disorienting even if you are not physically
injured. You may not be aware of all factors leading up to the crash, so state only what you know about what happened.
Contact your insurance company as soon as possible, even if damages were minor. You might not want to wait until you get
home to report the accident.
The Aftermath
Your insurance company will advise you how to proceed. Typically, you will deal with your insurer's claims department, rather
than your insurance agent. You may be required to provide copies of any police reports, medical bills, repair estimates, rental
car receipts, or other documentation to your insurance company, to the insurers of the other parties in the accident, or to both.
The sooner you respond to requests for documents and information, the sooner the insurance company can handle your claim.
Be sure to keep a record of all your expenses in a safe place if your insurance company plans to reimburse you rather than pay
your expenses directly.
If you have never taken time to read your insurance policy, doing so after an accident is a smart idea. You will want to verify your
coverage limits and educate yourself about any provisions in your policy for replacement transportation.
This material was written and prepared by Emerald.
© 2010 Emerald
Insuring a Home
When you buy a home, if you have a mortgage, you may be required by the lender to purchase a homeowner's policy. Here's
what to expect as you look for the right policy to cover your home.
The People
In general, a homeowner's policy will have a named insured, which is usually the owner or tenant named on the deed or lease.
The named insured's spouse is covered as well, even if he or she is not named on the policy declaration. Other users and
residents also may be covered to a lesser extent by the personal property and liability provisions in the policy. For instance, the
insured's children or someone under 21 in the insured's care would likely be covered. Employees such as gardeners or
housekeepers may also be covered against loss of personal property on the premises. And you may extend coverage to your
guests if you make a request to your insurance company in advance.
The Policies
There are generally seven basic home insurance policies, but if you are shopping for coverage for a single-family home and
you are the owner and occupant, you'll probably be choosing from among just two or three kinds of policies. Policies for renters
and condominiums differ enough to discuss them separately.
Because mortgage lenders are primarily concerned with protecting their interest in your home, the level of coverage they require
might differ from the level that you consider adequate. You may decide to purchase additional protection depending on other
factors, including the different ways insurance companies package these policies.
HO-1 is a basic homeowner's policy. It protects the structure and your personal property against some common hazards such
as fire and lightning, wind and hail, smoke, theft, and damage by glass or safety glazing material that is part of a building. This
policy also protects against some pretty exciting stuff, such as volcanic eruptions, explosion, riot or civil commotion, aircraft,
vehicles, vandalism or malicious mischief.
HO-2 is an expanded version of HO-1. In addition to the above 11 perils, it covers against six more: weight of ice, snow or sleet,
three types of water-related damage from home utilities or appliances, falling objects, and electrical surge damage.
HO-3 goes further by covering the above 17 perils and any other perils not specifically excluded by name, such as earthquakes,
floods, wars, and nuclear accidents.
The Provisions
In general, these policies will help cover the costs up to the policy limits
to rebuild or repair your home or some unattached structures if damaged by one or more of the perils listed in the policy;
related to temporary housing if you are displaced by a qualifying peril, while you wait for repairs or relocation;
of replacing personal belongings;
of medical treatment incurred by someone injured on or near your property due to your negligence;
the cost of mounting a defense or paying an award in a lawsuit if you are found responsible for personal injury or property
damage suffered by another person.
In general, these policies won't cover
damage to the land on which the house is located;
losses related to business activities on the premises;
losses related to floods or earthquakes;
damage from war or nuclear accidents;
theft by another person covered on the policy, such as a family member;
losses that exceed policy limits;
losses sustained by someone you rented the property to.
The Premiums
To set the amount of your premiums, the issuing company will first want to assess what kind of risk you might present. Be
prepared to share plenty of information about you and your home.
The company may consider your credit rating, whether you have a criminal record, your previous addresses, and if you have
history of insurance claims. Some insurers may want to know what kind of work you do, what your employment history is like,
your marital status, and your age.
An insurer will also want to know certain information about the construction of the home. Is it brick or wood? How many square
feet is it? Are there any unattached structures on the parcel? How far is the house from a fire station? How old is it? Is it
perched on a cliff above the ocean?
Deadbolt locks, smoke detectors, and other preventative measures can lower your rates. But certain kinds of pets, a pool and
other potential opportunities for personal injury can raise your rates. So can running a home business.
Once the insurer has taken this kind of information into account, it will be reflected in your rate quote, and it's your choice
whether to accept, renegotiate, or look elsewhere for coverage.
This material was written and prepared by Emerald.
© 2010 Emerald
Automobile collisions happen every day, clogging thoroughfares, twisting metal, complicating lives. Although no one wants to
experience a wreck, knowing what to do in case one happens to you could soften the impact on your life in the days and weeks
to follow.
At the Scene
The first priority is the condition of those involved. Call for medical help if anyone at the scene is injured. Notify the police as
soon as possible. Depending on where you live, the police may respond only to the most serious accidents.
Next, obtain the names, addresses, and telephone numbers of all persons involved, including passengers and witnesses.
Record the license plate numbers of all other cars involved.
It's best not to admit an accident was your fault, even if you think it was. A simple apology can be construed as an admission of
fault. Let the authorities determine who was responsible. Auto accidents can be disorienting even if you are not physically
injured. You may not be aware of all factors leading up to the crash, so state only what you know about what happened.
Contact your insurance company as soon as possible, even if damages were minor. You might not want to wait until you get
home to report the accident.
The Aftermath
Your insurance company will advise you how to proceed. Typically, you will deal with your insurer's claims department, rather
than your insurance agent. You may be required to provide copies of any police reports, medical bills, repair estimates, rental
car receipts, or other documentation to your insurance company, to the insurers of the other parties in the accident, or to both.
The sooner you respond to requests for documents and information, the sooner the insurance company can handle your claim.
Be sure to keep a record of all your expenses in a safe place if your insurance company plans to reimburse you rather than pay
your expenses directly.
If you have never taken time to read your insurance policy, doing so after an accident is a smart idea. You will want to verify your
coverage limits and educate yourself about any provisions in your policy for replacement transportation.
This material was written and prepared by Emerald.
© 2010 Emerald
Insuring a Home
When you buy a home, if you have a mortgage, you may be required by the lender to purchase a homeowner's policy. Here's
what to expect as you look for the right policy to cover your home.
The People
In general, a homeowner's policy will have a named insured, which is usually the owner or tenant named on the deed or lease.
The named insured's spouse is covered as well, even if he or she is not named on the policy declaration. Other users and
residents also may be covered to a lesser extent by the personal property and liability provisions in the policy. For instance, the
insured's children or someone under 21 in the insured's care would likely be covered. Employees such as gardeners or
housekeepers may also be covered against loss of personal property on the premises. And you may extend coverage to your
guests if you make a request to your insurance company in advance.
The Policies
There are generally seven basic home insurance policies, but if you are shopping for coverage for a single-family home and
you are the owner and occupant, you'll probably be choosing from among just two or three kinds of policies. Policies for renters
and condominiums differ enough to discuss them separately.
Because mortgage lenders are primarily concerned with protecting their interest in your home, the level of coverage they require
might differ from the level that you consider adequate. You may decide to purchase additional protection depending on other
factors, including the different ways insurance companies package these policies.
HO-1 is a basic homeowner's policy. It protects the structure and your personal property against some common hazards such
as fire and lightning, wind and hail, smoke, theft, and damage by glass or safety glazing material that is part of a building. This
policy also protects against some pretty exciting stuff, such as volcanic eruptions, explosion, riot or civil commotion, aircraft,
vehicles, vandalism or malicious mischief.
HO-2 is an expanded version of HO-1. In addition to the above 11 perils, it covers against six more: weight of ice, snow or sleet,
three types of water-related damage from home utilities or appliances, falling objects, and electrical surge damage.
HO-3 goes further by covering the above 17 perils and any other perils not specifically excluded by name, such as earthquakes,
floods, wars, and nuclear accidents.
The Provisions
In general, these policies will help cover the costs up to the policy limits
to rebuild or repair your home or some unattached structures if damaged by one or more of the perils listed in the policy;
related to temporary housing if you are displaced by a qualifying peril, while you wait for repairs or relocation;
of replacing personal belongings;
of medical treatment incurred by someone injured on or near your property due to your negligence;
the cost of mounting a defense or paying an award in a lawsuit if you are found responsible for personal injury or property
damage suffered by another person.
In general, these policies won't cover
damage to the land on which the house is located;
losses related to business activities on the premises;
losses related to floods or earthquakes;
damage from war or nuclear accidents;
theft by another person covered on the policy, such as a family member;
losses that exceed policy limits;
losses sustained by someone you rented the property to.
The Premiums
To set the amount of your premiums, the issuing company will first want to assess what kind of risk you might present. Be
prepared to share plenty of information about you and your home.
The company may consider your credit rating, whether you have a criminal record, your previous addresses, and if you have
history of insurance claims. Some insurers may want to know what kind of work you do, what your employment history is like,
your marital status, and your age.
An insurer will also want to know certain information about the construction of the home. Is it brick or wood? How many square
feet is it? Are there any unattached structures on the parcel? How far is the house from a fire station? How old is it? Is it
perched on a cliff above the ocean?
Deadbolt locks, smoke detectors, and other preventative measures can lower your rates. But certain kinds of pets, a pool and
other potential opportunities for personal injury can raise your rates. So can running a home business.
Once the insurer has taken this kind of information into account, it will be reflected in your rate quote, and it's your choice
whether to accept, renegotiate, or look elsewhere for coverage.
This material was written and prepared by Emerald.
© 2010 Emerald
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