Personal Insurance Archives - Page 4 of 4

08 Sep 2016

Archive, General Articles, Personal Insurance mosergroup 0 comment

Keep Your Car Repairs from Disaster! Avoid these Common DIY Auto Repair Mistakes

Learn how to avoid these common DIY mistakes.

Fixing your vehicle on your own has its benefits. Not only do you feel accomplished, but you save quite a bit of money when you skip a trip to the mechanic. However, despite all the benefits, it’s important to use caution when repairing your car. Put your safety first and avoid these common DIY car repair mistakes.

Mistake: Not exercising the utmost care.

It’s important to be careful when fixing your car. If you make a mistake, it could lead to serious damage to yourself or others. When you work on your car, ensure that you take the time and the care to go through all the proper steps so that you avoid any roadside disasters.

Mistake: Forgetting to plan ahead.

Different cars have different parts. When it comes to your vehicle, you need to ensure that you have the right tools before you get started. Don’t wait until the last minute, only to realize you don’t have a triple square. Scope out your vehicle before you get started so that you can prepare all the tools you’ll need.

Mistake: Ignoring the owner’s manual.

When you ignore the advice of your vehicle’s owner’s manual, you put your safety at risk. Before you start to work on your vehicle, check to ensure that your plan abides by the manual’s recommendation.

Mistake: Buying cheap parts.

Just because you find the best deal, doesn’t mean that it’s the best option. Don’t sacrifice quality for price. Get the part that’s going to function the best and last the longest.

When it comes to your safety, remember to use caution when repairing your vehicle. Ensure that you’re as safe as can be on the road with the right auto insurance. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial insurance needs.

11 Aug 2016

Archive, General Articles, Personal Insurance mosergroup 0 comment

Ask the Right Questions When Looking for Flood Insurance

Know what to ask your agent when looking for flood insurance.

Whether it’s a burst pipe or a raging winter storm, flooding can be detrimental to your home. While you may think that your homeowners insurance covers flooding, that’s not the case. You need flood insurance for water damage. Get the coverage that you need for water damage. Check out what you need to know about flood insurance and ask your agent these questions.

What Does Flood Insurance Cover?

Flood insurance gives you the coverage that you need to protect your home from rising water levels and mudflows. From mold removal to getting rid of debris, your coverage helps to give you the coverage that you need to repair your home after the damage is done.

Are There Any Coverage Gaps?

Keep in mind that while flood insurance is extremely helpful in a bind, it has its limitations. Once the coverage limits have been exceeded, you’re responsible for the difference. Additionally, it only covers the structure of your home and only a few basement essentials. Your personal belongings are also at risk. While you’ll receive some coverage for your personal possessions, know that it’s extremely limited. Also, flood insurance only covers floods. If there’s any damage done by land movement, you’re not covered.

How Do I Protect My Home from a Storm?

Taking preventative measures is a must when it comes to minimizing damage and protecting your home. When a storm is coming, take the necessary precautions such as purchasing sandbags, and moving personal belongings above ground level. Additionally, it’s a good idea to take a home inventory so that if you do need to file a claim with your insurer, you’ll be ready to go.

Protect your home from water damage and invest in the right flood insurance. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial insurance needs.

19 May 2016

Archive, General Articles, Personal Insurance, Uncategorized mosergroup 0 comment

Find Out How to Drive Safely to Save on Your Auto Insurance Premium

Learn how to drive safely so you can qualify for a good driver discount.

Different policies offer different discounts. Lower risk means that you’ll save more money. When it comes to your auto insurance policies, you’re likely going to save on your policy if you’re a safe driver. Safe driver discounts vary based on your insurance carrier, but they generally are offered if you avoid at-fault accidents and a clean driving record. Check out these ways that you can improve your driving to help you qualify for a good driver discount.

Abide by the Speed Limit.

The speed limit exists for a reason. The speed limit helps to keep you safe on the road. In fact, speeding is a top cause of traffic accidents. The more you speed, the more you risk an accident and a traffic ticket. Slow down and follow the speed limit.

Eliminate Distractions.

Put your phone away and turn down the music. Distracted driving is dangerous driving. Focus on driving and wait to eat, apply makeup, send a text message, or anything else.

Pull Over when Sleepy.

Drowsy driving is extremely dangerous. You’re more likely to drift when you drive sleepy which increases your risk for an accident. Get plenty of sleep and get off the road if you’re feeling sleepy.

Keep a Safe Distance.

Not only is tailgating annoying to other drivers, but it’s dangerous. When you follow too closely behind another car, you significantly increase your risk of an accident. If the car in front of you comes to a sudden stop, you could wind up kissing their bumper. Keep at least two cars’ worth of distance between you and the vehicle in front of you.

Drive Defensively.

Watch for others while on the road. While you can’t control other drivers on the road, you can control how you react to close calls. Be aware of your surroundings and curb any aggressive driving.

Maintain your Vehicle.

A well-maintained vehicle is a safer car. You’re less likely to encounter any mechanical issues while on the road. Go for regular tune ups, check your tires frequently, and keep your car well oiled. If you notice any issues with your car, bring it to a mechanic to have it checked out.

Save on your auto insurance and strive to be a good driver. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff help you meet all your personal and commercial insurance needs.

← Previous 1 … 3 4