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.

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.

Do You Really Need Insurance for Your Rental Car?

Find out if you should buy insurance through the rental car company.Do You Really Need Insurance for Your Rental Car?

When you go to rent a car, the rental car company will likely ask if you would like to purchase insurance through them. While this additional coverage might seem like a smart idea, there’s a good chance that you do not actually need these coverages. This is because many people already have coverage through their existing auto policy. So, how do you decide whether you need rental car insurance? Read on to learn more about rental car insurance and find out what your personal auto policy already covers.

Rental Car Insurance

Rental car companies typically offer four different types of insurance options. They are:

  • Collision Damage Waiver – This type is insurance will ensure that the rental company will not hold you financially responsible if the car you have rented is damaged or stolen.
  • Supplemental Liability Protection – If you get into an accident, purchasing this type of insurance will ensure that you are covered for the damages and injuries you may have caused to another party.
  • Personal Accident Coverage – This type of coverage will cover your injuries or death, or the injuries or deaths of the passengers in your rental car.
  • Personal Effects Coverage – This type of coverage will reimburse you for any personal items that are stolen out of your rental car.

Coverage Through Your Existing Policy

It’s probable that your existing auto policy already offers some of the coverages that rental car companies have to offer. For instance, most standard auto policies have liability insurance that will extend to cover you even if you are operating a rental car. Some policies might even extend collision, comprehensive, and medical payments coverage to rentals. Keep in mind that coverage differs from policy to policy. This is why it’s important to contact your auto insurance provider and learn what you are covered for. If your existing policy is not offering you the coverage that you need, you should consider purchasing insurance through the car rental company.

Ultimately, whether or not you should buy insurance for your rental car depends on what your personal auto policy already covers.  Are you looking for the comprehensive auto insurance that you need?  Then don’t hesitate to contact us at Miller Carlisle Insurance Services.  We are ready to get you the coverage you need today.

Why Your Auto Insurance Rates Might Seem High

Find out why your car insurance seems so expensive.Why Your Auto Insurance Rates Might Seem High

Do your auto insurance rates seem to be on the higher side? If so, there are some legitimate reasons that explain why your premiums are so expensive. Curious to learn more about this price disparity? Here are some of the reasons why your car insurance might be more expensive than other drivers’.

  • You Set a Low Deductible

Your deductible is the amount of money that you agree to pay towards car repairs before your auto insurance kick in. For instance, if you set a deductible for $500 and get into a car accident, you would have to pay this $500 before getting access to your insurance coverage. It’s important to understand that your deductible and premium have an inverse relationship. This means that the lower your deductible is, the higher your premiums will be. If you want to reduce your auto insurance rates, consider raising your deductible.

  • You Drive a Specialty Vehicle

If you drive a high-performance or specialty vehicle, you should expect your insurance rates to be higher than drivers who own standard vehicles. This difference in premiums is because specialty vehicles often require special parts, special services, and have higher repair costs than regular cars. So, if you are the proud owner of a fancy sports car, you will also be on the hook for higher insurance costs.

  • You Have a Bad Driving Record

Finally, if you have a history of receiving traffic violations or filing insurance claims, you will be considered a reckless driver. Because you are riskier to insure, you will have higher insurance rates. If you want to get access to lower insurance premiums, focus your efforts on keeping your driving record clean. As time goes on, you should expect to see your insurance rates drop.

These are some of the reasons why your auto insurance seems so expensive.  Do you have other questions regarding your auto insurance?  Turn to the professionals at Miller Carlisle Insurance Services.  Our dedicated team is ready to assist you with all your insurance needs.  Contact us to get started today.

Common Insurance Terms Made Easy

Here are some of the most commonly used insurance terms defined for your benefit.Common Insurance Terms Made Easy

Trying to make sense of your insurance is hard enough without the added confusion of industry-specific jargon.  If you’ve struggled with unfamiliar insurance terms in the past, you are certainly not alone.  Here are the definitions to some of the most commonly used terms to help you out.

Additional Insured – Any person or party, aside from the policyholder, who is added to the policy so that they will receive coverage under the policy.

Claim – A request by the policyholder for insurance compensation.  For instance, if you got into a car accident, you would file a claim requesting your auto insurance to kick in.

Conditions – The portion(s) of an insurance policy that explains the responsibilities of the insured and the insurance provider.

Deductible – The amount the policyholder agrees to pay before insurance coverage kicks in for an insured loss.  For instance, if you assume a $500 deductible on your homeowners insurance and your home was damaged, you would have to pay this amount before your insurance coverage kicked in.

Endorsement – Also known as a “policy rider,” this is any change made to an existing policy that alters, deletes, or adds coverage.

Exclusion – A provision in a policy that excludes or limits certain coverages.

Named Insured – The person or entity specifically covered by an insurance policy.  This person is also referred to as the policyholder.

Named Perils – Also known as specified perils, these are covered hazards that are specifically listed in an insurance policy.

Premium – The amount of money an insurance provider charges in exchange for providing coverage.

Use these definitions to make your insurance easier to understand.  Do you still have questions regarding your coverage?  Don’t hesitate to turn to us at Miller Carlisle Insurance Services.  Our highly-trained team is ready to assist you with all your insurance needs.  Contact us to get started today.