The Only Constant is Change

In the past few months has anything changed in your life that may affect your current auto policy? Are you using your vehicle in business? Has the garaging location changed? Is any one new using your car? These are all types of things that your insurance agent needs to be aware of. Simple mistakes like forgetting to add your young driver can lead to denied coverage. Also, if you forget to update which city or town your car is being garaged in and something were to happen to your vehicle your claim could be denied. For example, say that you currently reside in Holyoke, MA and your young driver takes the family car with them to school out in Boston. You would need to notify your insurance agent that the car will now be garaged in Boston. If something were to happen to the vehicle and it was known that your child routinely used the car while in Boston but it was listed that the car was garaged in Holyoke, they could deny a claim for false information. We are here to help our customers and notify them of the potential risks involved if their auto policy information is not accurate or up to date. The small changes that affect your auto policy are often overlooked, which is why we are here to offer help when you need it.  You can contact our office through our interactive office, or call any of our agents during our office hours and we would be glad to assist you in any changes that need to be made on your policy. In the event of an accident there are more important things to worry about than if your claim would be denied because your auto policy is not up to date, so remember to contact your agent with any changes.

The Do’s and Don’t of Insurance

When dealing with insurance, it’s important to remember a few “DOs and DONTs”. Whether you carry insurance for your home, vehicle or boat it’s beneficial to know a few things when talking over insurance with your insurance agent. Explaining to your insurance agent what type of coverage you are looking for, and what you exactly need from that coverage narrows down the search of what is going to be best for you. Make sure you ask as many questions as you need to fully understand your coverage. Often times, people feel that asking too many questions is bothersome. At Ross Insurancewe couldn’t disagree more. It is our job to ensure that you understand as much as possible of your coverage so that you know what you are paying for. When seeking new coverage, make sure that you do not cancel your existing coverage before purchasing new coverage. This gap of time in between means that you will not be covered in the event of an accident, and could affect you negatively. It is also important to remember when your payments are due, and try not to fall behind on making these payments. Late fees and reinstatement costs can easily be prevented if you are aware of your payment dates. Some insurance companies are quick to send a notice of cancellation within 5 days of non-payment. A great way to remember to pay your bill is to mark it on your calendar, or you could also set up Electronic Funds Transfer. EFT will automatically deduct your payment from your account on a day that you choose is best for you and when you are certain that funds are going to be available. Keep these tips in mind and get the most out of your insurance. Contact our office today with any questions you may have and we will be ready to assist you in any way that we can.