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Automobile accidents happen every day. Although no one wants to experience an auto accident, knowing what to do in case one happens to you could soften the impact on your life in the days and weeks to follow. You purchase insurance to help you through accidents, if and when, they happen. Here are a few suggestions to help you:

At the Scene

The first priority is to check for injuries at the scene. Call for medical help if anyone at the scene is injured. Notify the police as soon as possible.

Obtain the names, addresses, and telephone numbers of all persons involved, including passengers and witnesses. It is a good idea to look at drivers licenses.     Record the license plate numbers of all cars involved. Get complete Insurance   information, including policy numbers.  Having the agents name and number is also beneficial.

Never admit an accident was your fault, even if you think it was. An 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.

Contact your insurance company as soon as possible, even if damages were minor.

In some cases you also must report the accident to the DVM.

You have the right take your car to the   repair shop of your choice. It can be     beneficial to get two quotes as pricing and quality vary.

Use your smart phone to take pictures  before vehicles are moved. It provides   documentation.

 

 

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Many travelers operate under the misconception that car rental rates are all about the same, and that shopping is a waste of time. But rates do vary, sometimes by quite a bit, between companies and destinations. Essential Insurance Concepts has a few tips for you.

  1. Book on-line: The web often offers the best deals.
  2. Try renting mid-week, if your travel plans allow.
  3. Avoiding unnecessary insurance: Car rental companies try to sell insurance to accompany your rental, but many homeowners or home automobile insurance policies and some premium credit cards already cover car rental insurance so it always pays to check before accepting this option. Contact Essential Insurance Concepts to make sure you have the necessary insurance.
  4. Always buy your gas away from the airport; it can be as much as .25 per gallon less.
  5. Join reward programs: Many car rental agencies, hotels and airlines offer discounts if you are a member of a travel program.
  6. Look into renting the car for longer than you need, some agencies give you better daily rates for a week, and don’t charge you for early returns.
  7. Supply your own car seat if possible, they really upcharge you for this.
  8. Many rental car companies will try to up-sell you to a bigger vehicle or ask you add other features like GPS. Don’t do it. Remember your smart phone can be your GPS.
  9. Double check all fees.
  10. Join AAA: AAA always offer great discounts.

Before you drive away from the pickup station, inspect the car carefully for damage. Be sure the lights and turn signals are working properly, and check the mileage odometer. Report any defects at once. You can always contact Essential Insurance Concepts for a review of your coverage and how it might apply when you rent a car.

 

Insurance

Essential Insurance Concepts is an independent agency. This means we don’t work for any one insurance company. We have access to many insurance companies, giving us the ability to shop your account and search the best option for you. With captive insurance agents, like the big national companies, you only get the guidance of one company that sells one brand of insurance. There are a number of benefits to working with us:

  • We will work with you to make sure your claim is processed to your satisfaction
  • We provide a number of coverage options
  • We are not obligated to any one company
  • We search the market for the best combination of price and coverage
  • We are committed to exceeding your expectations
  • You are who we answer to, not a board of directors in NY
  • We are licensed professionals with strong customer and community ties
  • Essential Insurance Concepts is your one stop shop; we offer a complete line of insurance
  • Our staff is qualified and trained to explain coverage in understandable language
  • We can review coverage and make necessary changes based on your needs

When you work with us, we will give you unbiased advice.  As an independent insurance agent we are very knowledgeable about all the companies that exist in the marketplace. We know which companies have the best track record when it comes to pleasing their policy holders. We can narrow your options down and help you choose between the best insurance companies in the market. Not all insurance agents are the same! Choosing the right one can make a big difference – in price, service, and value.  We live here and understand the needs of our neighbors.