What You Should Do as the Victim of a Hit-and-Run

Here’s what you should do after being involved in a hit-and-run accident.What You Should Do as the Victim of a Hit-and-Run

An accident is considered a hit-and-run anytime an involved driver leaves the scene of the collision. Oftentimes, these accidents unfold so quickly that you do not have time to react. If you are a victim of a hit-and-run accident, here are some of the things you should do to handle the situation.

  • Do Not Chase the Other Driver

While it may be tempting, it’s important that you do not chase after the other driver. This is because your pursuit might cause you to drive recklessly, placing yourself, your passengers, and other innocent parties in danger. Additionally, the driver that you are chasing after might actually be dangerous as well. Instead of getting involved in a dangerous pursuit, you should pull over to the side of the road and make sure that you and your passengers are all okay.

  • Remember Any Details

After the accident, you will probably feel shaken and overwhelmed. However, it’s important that you collect yourself and try to remember exactly what happened. Do your best to remember any details such as the color of the other car, the state on its license plate, and any physical features of the other driver. Every detail, no matter how seemingly minor, can help you with your case.

  • Call the Police

Even if you feel that you have nothing to report, you should still call the police to report the accident. This is because having an official police report will help you with your insurance claims process. When the police arrive at the scene, recount the details without assigning blame or admitting guilt. Allow the police to come to a conclusion on their own.

These are some of the steps that you should take after being involved in a hit-and-run accident.  Remember, the best way to protect yourself from the losses caused by a hit-and-run is by having the proper auto insurance protections in place.  To find the right policies to meet your needs, contact the experts at Miller Carlisle Insurance Services.  We are ready to get you covered today.

Why Auto Insurers Need This Information

Here’s why auto insurers ask you to provide this information.Why Auto Insurers Need This Information

When you are getting an auto insurance quote, the insurance company will ask you to provide several pieces of information. But why do they need this information to give you a quote? Read on to find out some of the reasons why.

  • Your Social Security Number

While you are not required to provide your social security number to get a quote, auto insurance companies do give you the option to provide this information. When you do supply your social security number, the car insurance company will use it to run a soft credit check on you. Because your credit rating significantly affects your insurance rates, this soft credit check will allow the company to give you the most accurate insurance quote possible.

  • Your Vehicle’s Identification Number (VIN)

When getting an auto insurance quote, the insurance company will ask you for your car’s year, make, and model. However, they will also ask you to provide your vehicle’s VIN. While this might seem like overkill, your VIN reveals specific information about your car that is not encompassed by your car’s year, make, and model. For instance, your car’s VIN will tell the insurance company what special safety features are installed in the vehicle. Understanding all your car’s features will help the company offer you a more accurate insurance quote.

  • Your Home Ownership Status

Why does your home ownership status matter to car insurance companies? Well, for starters, homeowners tend to be more cautious drivers, and therefore at lower risk for an accident. Additionally, homeowners might require higher coverage limits to protect their financial assets. Finally, being a homeowner might unlock special discounts on your auto insurance. All these factors will affect your car insurance quote.

Here’s why auto insurers request this information from you when giving you a quote.  Do you have further questions regarding your auto insurance?  Then don’t hesitate to contact the experts at Miller Carlisle Insurance Services.  Our dedicated team is ready to assist you with all your coverage needs today.

Should You Bundle Your Home and Auto Insurance?

Is a home and auto insurance bundle right for you?Should You Bundle Your Home and Auto Insurance?

While bundling your home and auto insurance together is generally a great way to save on both coverages, bundling isn’t always the best option for everyone. Need help deciding if you should bundle? Then here are some things that you should consider.

Are You Eligible?

If you live in an area prone to certain weather disasters, you might not be able to bundle your homeowners insurance with your auto or other insurance policies. So, before you spend too much time deciding whether you should bundle your insurance, make sure you are actually geographically eligible to do so.

Is each policy good on its own?

While most insurance companies sell various insurance products, sometimes one insurance offering is superior to the others. For instance, an insurer might offer particularly good service when it comes to auto insurance, but their other insurance products might be lacking in comparison. Before you decide to bundle your home and auto insurance, it’s important to consider each policy individually. If you find that one does not meet your standards, you should not bother bundling.

What are my overall benefits?

Finally, you need to compare the features, deductibles, and premiums for each policy. Oftentimes, discounts in one area distract from higher costs in another. Additionally, it’s important that you do not get too caught up in the amount of projected savings. While it’s great to save on your insurance, you should not sacrifice service or coverage to do so.

These are some of the things you should consider before deciding if a home and auto insurance bundle is right for you.  Are you looking for assistance with your home or auto insurance?  Then don’t hesitate to contact the experts at Miller Carlisle Insurance Services.  We are ready to assist you with all your insurance needs today.

Tips for Growing an Established Business

Try out these suggestions to help your business expand.Tips for Growing an Established Business

If your business is already established, expansion might not be the first thing on your mind. However, it’s important to remember that the competitive business world tends to reward companies that are constantly looking to grow and evolve. Here are some suggestions to help your established business expand.

Rebrand

If your company already has brand recognition, the idea of rebranding might seem crazy. However, for your business to expand, it’s important that your brand image accurately represents your company. If you find that your brand no longer fits, then its time to consider rebranding your business.

Listen to Your Customers

If you want to expand by offering new products and services, then turn to your customer base for advice. As your customers have likely been with your company for a while, they will be able to tell you where your business is lacking. By offering the things that your customers want, your business can grow in a way that provides value to your clients.

Seek Useful Partnerships

If your business simply does not have the resources to offer what your clients want, then look for a company that does. By partnering with another company, you can create a relationship that’s beneficial on all fronts. Both companies will benefit from increased business, and the customer base of each company will benefit from having access to an extended number of products or services. This is a great way to expand your business without having to invest too many additional resources.

Try out these suggestions to help your established business expand.  Want another way to set your business up for success?  Then make sure you have it covered by the right commercial coverages.  To find the right policies to meet your needs, contact the experts at Miller Carlisle Insurance Services.  We are ready to get you covered today.

Upgrading Your Auto Coverage

Add these coverages to your policy to upgrade your auto insurance.Upgrading Your Auto Coverage

If you are still relying on minimum auto insurance, then you do not have the necessary coverage to protect against all your risks. This is why you should take the opportunity to upgrade your policy. Here are some of the additional coverages you should consider adding to your policy.

Uninsured/Underinsured Motorist Insurance

Unfortunately, there is a large population of irresponsible drivers who do not carry adequate auto insurance. If you were to get into an accident with one of these drivers, you would likely have to cover your own repairs and medical fees, even if the other driver was at fault. The best way to protect against this risk is by adding uninsured/underinsured motorist coverage to your policy.

Comprehensive Insurance

While you might have coverage for the damages your car sustains during an accident, what happens if your car is damaged outside of a collision event? If you do not have the right coverage in place, you will be responsible for the damages caused by theft, vandalism, extreme weather events, and other perils. Luckily, adding comprehensive insurance to your policy will ensure that your car is protected against all the damages it might sustain.

Medical Payments Insurance

While liability insurance will cover another driver’s medical expenses after an accident, this type of insurance will not extend coverage for your medical treatment. This is why it’s so important to add medical payments insurance to your auto policy. This type of insurance will cover the medical fees that you and your passenger rack up following an accident—regardless of which driver was at fault.

These are some of the additional coverages you should consider adding to your auto policy.  Do you need assistance with finding the right car insurance to meet your needs?  Then contact the experts at Miller Carlisle Insurance Services.  We are ready to get you the coverage that you need today.

Easy Ways to Make Your Home Safer

Take these precautions around your home to improve its safety.Easy Ways to Make Your Home Safer

Everyone wants to make sure that their home is safe for their loved ones. Luckily, there are many easy and affordable ways to improve your home’s safety. Here are some of the precautions you can take around your home to make it safer for your family.

Prevent Slips in the Kitchen

When water puddles in front of your sink and fridge water dispenser, it significantly increases the risk of someone slipping and hurting him or herself. Luckily, addressing this risk is very easy. Simply placing a floor mat in front of your sink and fridge will catch falling water and prevent it from becoming a danger to your loved ones.

Inspect Your Stairs

If your home has stairs, this can pose a risk for your family. It’s incredibly important to make sure that your stairs are sturdy to prevent fall risks. This is why you should check your stairs for any sections of loose or rickety railing, and go in and reinforce these areas. Additionally, if your stairs are made of hardwood, tile, or another potentially slick material, consider covering them in carpeting to reduce the risk of falling.

Check Your Smoke Alarms and Carbon Monoxide Detectors

The best way to protect your family against the risk of fire and carbon monoxide poisoning is by making sure that your smoke alarms and carbon monoxide detectors are functioning properly. You should check both types of detectors annually and make sure that you replace their batteries during your inspection. Additionally, you should completely replace both types of detectors every 10 years to ensure that they have updated safety features.

These are some of the precautions you should take around your home to improve its safety.  Want another way to protect your home and everyone inside it?  Then make sure you have the right homeowners insurance coverages in place.  For assistance with your coverage, contact the experts at Miller Carlisle Insurance Services.  We are ready to get you covered today.

Add These Foods to Your Diet to Lower Your Blood Pressure

Eating these foods can help you lower your blood pressure.Add These Foods to Your Diet to Lower Your Blood Pressure

Did you know that May is National Stroke Awareness and National High Blood Pressure Education Month? In honor of this month, you should make a conscious effort to control your blood pressure. Want to take care of your health, but not sure where to start? Try incorporating these foods into your diet to help you lower your blood pressure naturally.

Leafy Greens

Leafy greens such as romaine lettuce, arugula, kale, turnip greens, collard greens, spinach, and so on are a great source of potassium. As potassium helps the kidneys eliminate sodium from the body, a diet rich in these types of veggies can help you reduce your blood pressure levels.

Berries

Berries, particularly blueberries, are rich in natural compounds called flavonoids. Research has linked the consumption of flavonoids to a reduction in blood pressure levels. Luckily, incorporating more blueberries, raspberries, and strawberries into your diet is a sweet way to help you stay healthy.

Beets

Beets are rich in nitric oxide, a compound that can help widen your blood vessels and lower your blood pressure. Additionally, research has shown that the nitrates found in beet juice helped reduce blood pressure in a span of just 24-hours.

Low-Fat Dairy

Low-fat dairy is an excellent source of calcium, which plays a significant role in the reduction of your blood pressure. Studies have shown that people who have diets rich with skim milk and low-fat yogurt experienced a 20% reduction in their risk for developing high blood pressure.

This May, work these foods into your diet to help you better manage your blood pressure.  Want another way to take care of your health this month?  Then make sure you have the proper health insurance to address all your needs.  To find the right policies for you, contact the experts at Miller Carlisle Insurance Services.  We are ready to assist you with all your coverage needs.