With the recent snow storm we have been asked many times about claiming your lost food. Here is a great article explaining when you should file a claim. You may also file a claim with ComEd for food reimbursement.
Anyone who is unsure which route to take feel free to call us, or your current agent.
Below is the link for the article regarding claims as well as the ComEd link for their claim process.
The better your coverage, the less you will have to pay out of your own pocket if disaster strikes. Contact us for the right solution!
0 46:28 PM Nov 5, 2018
Avoid These 6 Mistakes When Switching Car Insurance
1. Not confirming what your new policy includes
Before you jump at a low quote from a new insurance company, make sure you know exactly what you’re getting. “Some companies may offer a lower rate, but the quote may be for less coverage than you currently have,” says Robert Passmore, assistant vice president of the Property Casualty Insurers Association of America, an industry trade group. If you end up having to increase your coverage after you buy the new policy, the cost will be higher than you initially thought, he says.
To avoid this kind of confusion, review and match the features — including your coverage types, limits and deductibles — of any potential new policies to your current one when comparison shopping. Passmore suggests sending prospective insurers a copy of your current declarations page, which lists the key particulars of your policy, and letting them know that’s the coverage you need for your quote.
2. Leaving a coverage gap
Set your new policy to begin the minute after your old one officially ends. Otherwise you would have no insurance to pay for any damages if a car crash happened during a gap.
There’s another risk associated with having a gap in your coverage, Passmore notes: If you switch insurers again someday, it could cost you more. Companies may look at your car insurance track record when they determine your rates, and drivers who have been continuously insured tend to get lower prices.
3. Failing to cancel your old policy
When you start a new policy, it’s important to proactively cancel your old one (and, ideally, receive written confirmation) rather than simply stop paying the bills. Otherwise, your former insurer may continue to bill you and ultimately report your failure to make payments, which could ding your credit score. » MORE: Improving your credit can help you save on car insurance
4. Missing out on a refund
If you paid for your old policy upfront, Passmore says, you should get a refund for the coverage you won’t use. For instance, if you paid for a six-month policy but decide to switch after four months, your insurer should reimburse you f
1 192:30 PM Nov 2, 2018
What Are The Steps To Get An Insurance License In California?