Author Archives: AgentInsure

My car break pads are old enough to be replaced, Will my auto insurance bear the cost if I purchase a new one in Green Valley, AZ?

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It would not be a good situation if you were driving down the street in Green Valley, Arizona and you had to slam on your brakes to avoid an accident because someone went through a red light. It could be much worse if, when you pressed down on the brake, your car did not slow down.

You do not have to get into an accident to know that your brake pads are old and need to be replaced. Many people procrastinate because the cost of doing a repair is too high. You may have to purchase parts for all four wheels and before you know it, the brake job will cost you $200.

If you have auto insurance, you might wonder if you can file a claim and get your carrier to pay to repair your car. Unfortunately, auto insurance policies do not cover maintenance or any parts that need to be replaced because of normal wear and tear.

Even if you have collision insurance and get into an accident because your brakes were bad, your insurance company will not pay for new brakes. It is your responsibility as a car owner to take care of your vehicle. Just as you have to change the oil in your car, replace the windshield wipers or purchase new tires every 50,000 miles or so, you have to maintain the brakes.

While your regular auto insurance policy does not cover parts or repairs not due to an accident, you can purchase a separate insurance policy that covers parts and repair costs for engine components, the drive train and other common things that can go wrong with your vehicle.

Give us a call and talk to an independent agent. They can explain what your auto insurance does and does not cover in more detail. Maintaining your vehicle in good operating condition can make you a safer driver and also lower your Arizona auto insurance premiums.

What Should I do if my Home Insurance Records are Lost Due to a Fire Accident in Green Valley, AZ?

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If your Green Valley, Arizona home is damaged from a fire, then it is important to make a claim with an insurance provider as soon as the accident or problem occurs. Even if the home insurance records are lost as a result of burning in the fire, your insurance provider will have a copy of your policy and any other documentation that you provided before the incident occurred.

Call the Company

The first step of recovering from the fire is calling your insurance provider and talking about the situation. Explain that you’ve lost the records and need a copy of your current policy. The company will send you a copy so that you know what is covered and what is not.

If you sent any documents to the company when you are obtaining coverage, then ask for those records at the same time. Your insurer will be able to give you copies of any documentation that you provided in regards to expensive personal belongings that were insured separately.

Give Pictures of Belongings

Even if your records were ruined, you may still have pictures on your smartphone, digital camera or on a social networking website where you’ve posted images. Your belongings might be seen in the background of pictures you took in the house.

Get a copy of any images made so that you can show the company what was in the room. Without clear pictures or records of the belongings, you may be denied for expensive items that were also lost.

Keep Copies in a Separate Location

Ideally, any documentation related to your homeowner’s coverage should also be kept in a safe deposit box at the bank or a similar separate location. By having it kept separately, you will always have a copy available if a fire occurs in the future.

Damage to your home does not mean you have limited options. To learn more about keeping your belongings safe, contact us to talk to an independent agent.