Author: AgentInsure

What is the time frame within which an NCB can be transferred in Laurel, Maryland?

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No one ever wants to be involved in auto accident. Just the thought of having to wade through all the insurance paperwork and dealing with the repair shop can be tiring. To help encourage people to drive safely insurance companies have started provided a No-claim bonus for safe drivers. Here are some things that you need to think about when getting a car insurance no-claim bonus.

Some Thoughts About Your Car Insurance No-Claim Bonus

  • Your no-claim bonus is something that is given to you for not filing a claim. The longer you are claim free the more your bonus will be.
  • Your bonus is not transferable to another person. It is issued to the person that deserves it. However, you may be able to have it transferred to another car. Just make sure to call your insurance provider before making the change.
  • The bonus can have a time frame for up to three years. It really depends on which company is offering the bonus to you. Before you wait too long make sure that you have a clear understanding of when the bonus will expire.
  • This type of bonus can save you a lot of money. If you have a record that needs work, try and drive safely so you can earn your no-claim bonus soon and stop mission out on the savings.

If you have questions and live in Laurel, Maryland, then you are encouraged to contact your independent agent today. As your auto insurance agent we can assist you by answering all of your questions. It is important that you give us a call so that we can give you specific details for your circumstances so we can help you maximize your benefits regarding your auto insurance policy.

Does my marital status play any role in deciding my home insurance policy in Washington D.C?

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Your Washington D.C. home insurance policy provides coverage for your dwelling, the physical contents within your house, and for any liability you may incur for injuries or damage to other people or their property while on your property. It is not like life insurance that protects your spouse and your loved ones. It is not like auto insurance that protects you, your car and other people who may be involved in an accident. When your insurance company writes a policy, they do not care if you are married, single or divorced.

It is a bit of a stretch to say that your marital status will play any significant role in deciding what type of home insurance you might want to buy for your Washington D.C. home. You may need to buy more insurance if you get married and your spouse brings in a case full of diamond rings and other valuable jewelry.

Normally, the content coverage of your standard home insurance policy is equal to one half of the value of the dwelling, but if you have unusually high-valued items, you can buy additional coverage to protect those items if damaged, lost or stolen.

If you decide to get married and move out of your home into another, you will have to get a new home policy, but that is not really based on the fact that you have a spouse, but rather, on the value of the new home and the risk of loss that it presents to your insurer.

Your marital status can play a personal role in deciding what insurance policy you ultimately choose to buy. As your independent agent, we are here to make sure you get the right home insurance coverage you need no matter what your marital status or personal living situation is in your home. Give us a call and we will help make sure that your policy meets your needs.

Should I be listed on my dad’s auto insurance policy in Washington D.C to be covered if an accident occurs?

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An auto insurance policy in Washington D.C. will automatically cover the primary policy holder as well as any other drivers specifically listed on the policy. If you just got your driver’s license and are still living at home with your parents, you probably should make sure that your dad has you listed as a possible driver on his auto policy. That way you will be covered if you borrow the car and happen to get into an accident.

Most auto policies automatically cover other family members living in the same household as the driver and owner of the vehicle being insured. Automobile insurance actually covers the vehicle and as long as you are either listed on the policy or have been given permission to drive the car, you are covered.

So as long as your mother, sister and brother are licensed drivers, they are covered when driving the family car. You are covered on your dad’s policy if you go away to college and then come back to stay with your family during the summer break. If you get into an accident on your way back from a Washington D.C. nightclub, you are covered, but you will probably have to hear a lecture from your dad. You are not covered if your permanent residence is in another state and you only come home for Thanksgiving dinner.

Your father may decide not to list you as a driver because your age or driving record will make his premium double. However, if you get into an accident, depending on the circumstances, you may still be covered. For more information on whether or not you are covered on your dad’s auto policy, please give us a call. An independent agent will be happy to review the policy and make sure you are covered and it is safe to drive your dad’s car.

Do claims play a vital role in deciding ones auto insurance premium in Laurel, Maryland?

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Suppose you are stopped at a traffic signal waiting for it to turn green and someone behind you is not paying attention and plows into the back of your car. If the damage is more than just a tiny scratch to your bumper, like most people, you will call your independent agent who will then report the accident to your insurance company.

Assuming you have an auto policy that provides collision coverage, you can file a claim with your car insurance company so you can get your car repaired as quickly as possible. Your insurance premium will not go up for a single accident that is not your fault. Your insurers in Laurel, Maryland can then turn around and seek reimbursement from the other driver’s auto insurance company. In addition, if you had a deductible and had to pay the first $500 of repair costs out of your pocket, your insurance company will probably get your money back and send you a check for those out-of-pocket expenses.

Now if you file one or two claims over a five year period, your premium will probably not go up. It is not so much the size of the claim that can cause your premium to go up, but rather the frequency of claims filed over a given period of time. The number of claims you file plays a much bigger role in the rate you will pay on your auto policy.

Deciding to file a claim for a little ding to your paint when you already filed two similar types of claims in the past year is probably not a good idea if you don’t want to risk an increase in your premium. While your coverage is there to be used, insurance companies take note of "accident prone" drivers, even if they are not at fault.

We get many questions about the effect of filing a claim will affect your auto insurance premium. As your independent agent, we have some knowledge of how filing claims with the insurance companies we represent can impact your rates. Give us a call and an independent agent will be happy to share his or her thoughts on when you should or should not file a claim.

Where can I get the best Tag and Title service in Maryland for renewing my car registration?

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If you’re looking to renew your car registration in the Laurel, Maryland area, you have some good options. One of the best choices is to get it done quickly and efficiently through Mid Atlantic. You won’t have to wait in long lines, and you’ll get great service that’s fast. It’s possible to do almost anything here that you’d do at the state MVA, so unless you have a complex title issue there shouldn’t be any problem. It’s very satisfying to be able to get your car tag and title quickly and get on with your day.

When you visit us, you can get your registration, a duplicate title, or agricultural plates, among other things. Most issues can be handled right there. If you’re new to the state and need to transfer your car, we can do that, too. We’ll be happy to welcome you to Maryland and make sure you get your vehicle transfer taken care of. With a friendly yet professional feel, we can provide you with help and information about the area. Our hours cater to you and your busy schedule, as well, so you won’t have to worry about how you’re going to get there before we close.

We want to help you save time, because we know time is money. Why would you want to stand in those long lines at the MVA when you can come see us, and get in and out a lot faster? We’re also affiliated with an insurance company, so you can take care of everything right in one place. Come get your title and tags, get a great insurance policy at a low price and you’ll be ready to hit the road and go on your next adventure.

Will my home insurance in Laurel, Maryland cover the damages to my furniture’s while relocating?

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If you are relocating from your Laurel, Maryland home to a larger new home in Gaithersburg, Maryland, you will probably hire a moving company to transport your furniture and other contents of your old home to your new place. Hopefully, everything will go smoothly during the process and your household goods will arrive safely and undamaged. However, if the movers drop your television or tear a gash in the upholstery of your living room couch, someone should have to pay to fix the damage or replace the item.

You can always file a loss and damage claim with the moving company, but, that can be a long and arduous process. If they dispute the incident or want to investigate further, it might take you three months to get a settlement check.

On the other hand, your home insurance contents coverage will usually pay for the damage that is caused in your house, while in transit, or while unloading your personal contents at your new house. Coverage is limited to only items shown or not excluded on your home insurance policy. For instance, if you have an antique Tiffany lamp worth $50,000, most standard Maryland home insurance policies will not pay for damage or theft of that item.

However, if you purchased a rider or additional coverage for your original and very old Tiffany lamp, your home insurance policy will cover any damages up to the limit of your coverage. As your independent agent, we would advise you to first seek recovery from the mover if they were the cause of the damage. I, on the other hand, you rented a truck and made the move yourself, then you should file a claim with your home insurance provider.

This subject can get a little confusing. Why not give us a call and talk to an independent agent who can help you decide the best way to pursue a claim for damage to your furniture or other personal items when you are relocating.

How do I go about Tag & Title service for my car if I am new to Maryland state registration?

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When you move to the town of Laurel, Maryland or any part of the Mid Atlantic for that matter, you have a lot of things that you have to take care of to prepare yourself to live in your new location. However, one of the more important tasks is getting the tag, title and registration for your car switched over to your new address. If you are moving from out of state, this can be especially difficult.

The “old way” of doing this involves spending time waiting in line at the tag office. The tag office is not the most enjoyable place to spend the day. Quite often, this can take hours of your time—even forcing you to take a full day off of work or school, just to get all your paperwork in order. If you are just moving to the area, and you may have just started working a new job, you likely cannot afford giving up this whole day of work.

Luckily, there is a solution! Since you need to get insurance before you can obtain that registration, wouldn’t it be nice if you could do it all in one place? Now you can. Mid Atlantic Tag and Title can help you find the best possible insurance for your particular situation then help you through the process of getting the tag and titled transferred to your new Maryland address.

When you come to Mid Atlantic, you will be treated professionally and will love the fast service. Additionally, you will save money—since you are working with an agent to help you get the perfect insurance policy for your particular situation. Instead of waiting in that line—come give Mid Atlantic Tag and Title a try. You will be glad you did!

Will my premium go high, If I add an additional driver to my car insurance policy in Laurel, Maryland?

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If you have been insured with an auto insurance policy for any length of time in Laurel, Maryland, then you know that all licensed drivers have to be insured on an auto policy. The other driver will be required to be on your policy unless they have a policy of their own. If you need to add an additional driver to your coverage, then here are some things that you can expect your premium to do.

What Affects Your Premium if You Add a Driver to Your Policy?

· Adding a new driver to your policy will affect your premium. The big factor to consider is what the other driver’s record is like. If they have a lot of claims or moving violations, then your premium will go a lot higher than if their record was clean.

· If the other driver is under the age of 25, then you can expect to see a rise in your premium. After they turn 25 you can expect to see to see your premium decrease.

· Of course if the other person has a car that is has to be added, you may see a multi-car discount added to your policy. If the other person pays their part of the premium, then you may even see yourself paying less because of their car being added.

· Adding a new driver to your policy may mean that your coverage limits will have to increase. If there is an accident, you will want them to be protected from financial loss. Higher limits may mean a higher premium. In some states it means a lower premium for having the higher limits.

If you have questions that you need to have answer about your policy, you then need to contact your independent agent today. As your agent we can help answer all of your questions. It is important that you call us today so we can give you specific details about your policy today.

How immediate are funds released after a claim is approved in Washington D.C?

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When you file a claim with your home insurance company in Washington D.C., you hope that your claim will get immediate attention and that it will be approved quickly. You probably will be even happier if the amount of the settlement is an amount that you think is very generous or at least enough to take care of the damage to your home. Once your claim is approved, the only other thing that can hold up the start of repairs is waiting to receive the funds from your home insurance company.

Every state, plus Washington D.C., has laws that help protect consumers when they file a claim with their insurance company. These laws may go by a variety of names like the Unfair Insurance Practices Act or the Unfair Claims Settlement Practices Act. Essentially they are there to make sure that your insurance company treats you fairly and pays your approved claims promptly. Claims must be paid in a reasonable time.

It really would be quite unfair if you have coverage through your home insurance policy, file a claim, get it approved, and then have to wait six months to get the insurance company to cut you a check. Upon approval, payment should be almost immediate. It may take a few days for you to receive a settlement check, or, if you have the money electronically wired into your bank account, you can have it available to use by the next business day.

If your money is not released to you within more than a day or two, you have every right to call your insurer and demand that your funds are released without further delay. It is not like a big insurance company would have a problem coming up with the cash. As your independent agent, we can help make sure that you receive the funds you need to start fixing up your house or replacing personal property that was lost or damaged. If you have any concerns over the time it is taking to receive your funds, call us and an independent agent can step in and help.

What kind of commercial insurance best suits a Warehouse in Washington D.C?

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If you own a warehouse in the Washington D.C. area, you’re not just responsible for damages to the warehouse. You are also responsible for the items that your customers store in your warehouse. It just takes one unforeseen emergency to go bankrupt, so it is important to protect your business from risk with the right type of insurance. The following types of commercial insurance can protect you and your customers from loss in the event of a disaster that impacts your warehouse.

General Liability Insurance

Warehouses can be hazardous work environments that pose risks to you and your employees. General liability insurance steps in if an employee is injured in your warehouse and covers their medical and related expenses. General liability insurance can also kick in to protect you from legal liability should an injured employee sue you for an accident incurred on your property.

Legal Liability Insurance

A warehouse legal liability policy consists of a special form of coverage that reimburses your customers for loss. If your warehouse has been negligent in anyway, and it results in the damage of your customer’s property, legal liability coverage will kick in to pay your customers. Legal liability is crucial for warehouse operators because it protects you from legal actions if you are unable to reimburse a customer for his or her goods.

Contact an Independent Agent

Every business is unique, so you may need additional riders to adequately cover your business. The level of coverage you need will also depend on the location, size and scope of your business. An independent agent can help you compare premiums from several insurance companies so that you can find the best value on commercial insurance. Contact us today to speak to an independent agent who can help you get your warehouse covered.