Home insurance is vital to anyone who has a home. After all, life can change drastically when something goes wrong in this one aspect that many of us are lucky enough to take for granted. Many people are diligent about keeping their home protected under an insurance policy, but it is also one of the first payments to cut if things get tight. There are many reasons to make sure that your home owner’s insurance does not lapse and you stay protected. At The Select Insurance Agency we want your home in or around Coppell, TX to be fully protected at the best rates possible.
Reasons to Never Let Your Homeowner’s Insurance Lapse
First, if your insurance expires or you don’t make your premiums, you will find yourself unprotected. Since you cannot predict when something may go wrong this leave your home at unnecessary risk. Don’t be in a situation where you wish you had the same insurance the month the catastrophe happened as you did the previous month.
Second, allowing your insurance to lapse put you at risk for higher premiums and even leaves you at risk for some agencies not to cover you as you are a risk to them.
Third, if you do not keep insurance coverage your mortgage company may purchase it for you at a higher rate and you will have to pay them as part of your home payment. This rarely works out in your favor financially.
Contact us at The Select Insurance Agency if you would like more information about home insurance. We serve Coppell, TX and the surrounding areas with quality insurance services.
You’ve been in an accident and you know what to do. You make sure everybody is OK and call the police for help or to file a report. But do you know what not to do? The Select Insurance Agency in Coppell, TX has these tips.
What Not To Do If You Are In An Auto Accident
Don’t leave the scene. Until police show up and clear the scene, you need to stick around. Leaving could be considered hit and run and lead to criminal charges.
Don’t leave without getting information. You will want to exchange insurance information with those involved. If there are witnesses, ask for contact information in case they can provide further details.
Don’t talk to the other party’s insurance company. After an accident, you may get a call from the other person’s insurance company. Talk to your own insurance company first before making any kind of statement.
What Not To Say If You Are In An Auto Accident
Don’t apologize. This could be seen as an admission of fault that could be used against you later. Even if it is your fault, it’s better to let the authorities sort it out.
Don’t say you’re OK. Injuries can take weeks or months to show up. Stress and adrenaline can mask even serious injuries. Telling another party you are feeling fine may hurt your claim if symptoms show up later.
Don’t speculate on the cause. Tell authorities what you do know, but don’t guess or estimate anything you aren’t sure of, such as speed or road conditions.
Call Your Insurance Agent
If you are in an accident, try to stay calm. Get in touch with your insurance agent as soon as it is safe to do so.
Contact The Select Insurance Agency in Coppell, TX for all of your insurance needs.