What To Do After An Auto Accident

What To Do After An Auto Accident

Don’t Let an Auto Accident be a Pain

Automobile accidents happen every. Although no one wants to experience an auto accident, knowing what to do in case one happens to you could soften the impact on your life in the days and weeks to follow. You purchase auto insurance to help you through accidents when, or if, they happen.  If you have an auto accident, we are here to help you.  You may always call us to help you through the process.

  • If you are involved in an accident, think about your safety and those around you before thinking about insurance. The first priority is to check for injuries at the scene. Call 911 for medical help if anyone at the scene is injured. Notify the police as soon as possible.
  • Try to protect the scene; don’t move vehicles unless the police instruct you to.
  • Obtain the names, addresses, and telephone numbers of all persons involved, including passengers and witnesses. It is a good idea to look at drivers licenses. Record the license plate numbers of all cars involved. Get complete Insurance information, including policy numbers. Having the agents name and number is also beneficial.
  • Never admit an accident was your fault, even if you think it was. An apology can be construed as an admission of fault. Let the authorities determine who was responsible. Auto accidents can be disorienting even if you are not physically injured. You may not be aware of all factors leading up to the crash.
  • Contact our office, we are here to; help. Contact your insurance company as soon as possible, even if damages are minor.
  • You have the right to take your car to the repair shop of your choice. It can be beneficial to get two quotes as pricing and quality vary.
  • Use your smart phone to take pictures before vehicles are moved. It provides documentation.

We are here to help you with your auto insurance needs. We have access to many insurance products and can provide you with competitive premiums. We offer auto liability, auto collision and auto comprehensive coverage.

In 1989, Oakwood’s founder, Bruce L. Sogn, set out to establish a business that would give him the opportunity to serve the community and to fulfill a need in the marketplace. Today as an independent insurance agency, Oakwood does just that.

After researching the insurance industry, he found that by becoming an independent insurance agent, he could offer a comprehensive range of insurance products and services to his clients. By maintaining focus on competitive products, Oakwood has kept its commitment to service, professionalism, and the highest integrity.

 

Is a Home Remodel Project in Your Future?

 

You may be looking for ways to improve your home in the near future.  Perhaps you want to upgrade your heating system,      replace a leaky roof, or add on that sunroom you have always wanted.  Before you get started however, you will want to know how that remodeling project can affect your insurance needs.

Whether you are updating your kitchen or adding on another room, a remodeling project will likely add value to your home.  As a result, you will want to check the property coverage limits on your homeowner’s policy to make sure that they reflect any changes you make to your home, no matter how small or large the improvements may be.  If you hire someone to do the remodeling, you will want to make sure that he or she is properly insured.

Require Your Contractor to Have Insurance

Workers’ compensation coverage protects you from liability claims that can result from a contractor (or his or her employees) getting hurt on the job.  Contractor’s liability insurance provides coverage for damage to your property caused by the contractor during remodeling.

If you hire a general contractor who is planning to hand off some of the work to a subcontractor (or if you plan to act as a general contractor yourself), you will also want to get a copy of the                  subcontractor’s proof of insurance.

Before jumping into a home improvement project, make sure that you are prepared in case an            accident occurs.  If someone helping you on a remodeling project is hurt, his or her injuries could be covered under the liability portion of your homeowner’s policy.

Oakwood operates as an independent insurance agency, selling an extensive spectrum of insurance to businesses, families, and individuals.  Our competitive advantage comes from the objective and professional service that we provide our access to a wide range of carriers, and our extensive knowledge of the insurance marketplace.

 

Summer Travel Safety and Insurance Tips

Stay Safe and Protected This Summer

Summer is filled with many activities that bring your family together.  However, nothing can turn a summer outing into a disaster faster than an accident or having your home burglarized while you are away.  Your personal insurance can provide coverage for accidents that occur while you are on vacation, but there are limitations.  We can make sure you have the best possible combination of coverage, price, and services for your personal insurance needs.

Your personal insurance program should include some, or all, of the following kinds of competitively priced insurance products.  There are many benefits to buying all your personal insurance through one agency, including having one source for all your needs, bundling your home and auto for better discounts, and the ease of just calling one person for all your personal insurance needs.  We are able to handle all your personal, business, and health insurance needs.

  • Home or renter’s insurance
  • Auto Insurance
  • Personal umbrella coverage
  • RV Insurance
  • Watercraft insurance
  • Travel Insurance
  • Health Insurance
  • Identity theft protection

Summer is an excellent time for burglars to make a living.  Nonetheless, you can help reduce the likelihood of having a burglary.  Here are a few facts that you should know:

  1. Burglars tend to avoid homes with security systems.
  2. There are over 2.5 million home burglaries each year.
  3. Households without a security system are 300% more likely to be burglarized.
  4. Most burglaries occur between 11:00 a.m. and 3:00 p.m.
  5. Home burglaries take less than 10 minutes.
  6. Sixty percent of burglars live within 10 miles of their targets.
  7. Twenty three percent of people store valuables in their underwear drawer.
  8. Forty percent of burglars enter through an unlocked door.

Source: Safewaise.com

Here are some of the ways to protect your home while you are on vacation:

  • Install a home security system.
  • Always keep your doors locked.
  • When away, never post your location on social media.
  • While on vacation, stop your paper and garbage services.
  • Tell your neighbors where you are traveling, and when you plan on returning.
  • Keep shrubbery trimmed around entrances, windows, and walkways.
  • Store grills and other items inside while gone.
  • Increase your outdoor lighting.
  • Keep blinds closed and inside lights on.
  • Have someone mow your lawn.
  • Ask a neighbor to park their vehicle in your driveway.
  • Do not keep any spare keys outside.

Here are a few tips to keep you safe while traveling:

  • Give a family member your travel schedule.
  • Take only the credit cards you need.
  • Advise your bank of your travel plans.
  • Don’t pack expensive jewelry.
  • Never show a large amount of cash.
  • Make copies of all of your credit cards, identification information, and medical insurance cards.
  • Wear sunglass if you are going to a sunny place.
  • Make sure you pack your medications.
  • Do not spotlight yourself as a tourist; most thieves find tourists are vulnerable targets.
  • Don’t take expensive luggage.
  • Travel with an anti-bacterial gel.
  • Make sure your hotel has a safe, and use it to store valuables and cash.
  • Drink bottled water.
  • Know your physical limitations.
  • Keep your hotel door locked at all times.
  • Go digital by scanning your travel documents.

Have you considered special insurance for your travel and summer needs?

Summer travel can increase your need for travel and other kinds of special insurance.  We wanted to provide some basic information about these kinds of insurance.  Please call our office for more information.

Travel Insurance

Travel insurance offers added coverage that can protect your family while on vacation.  Health insurance often does not provide coverage outside the United States.  Travel insurance can also provide other benefits such as:

  • Trip cancelation coverage.
  • Travel coverage to a medical facility.
  • Lost baggage.
  • Emergency medical and dental expenses.
  • Accidental death and dismemberment.

Travel insurance varies from insurer to insurer, and can be designed to meet your individual travel needs.  Here are a few examples of travel insurance claims:

  1. You booked a tour through a tour company and they went out of business. Purchasing trip cancellation/interruption coverage can help protect you from losing your investment due to such an occurrence.
  2. Your spouse gets ill while in a foreign country. Illness coverage is also included under travel insurance policies if you need to cancel your remaining travel plans.  It is important to remember that even if you are fit to travel, you may get sick or have an injury while traveling.
  3. You are in a remote location and have an illness or injury. Plans can include medical evacuation if needed.

How to Buy Travel Insurance?

The best way to buy travel insurance is through an independent agency like ours. We can help design a competitive travel insurance program that is suited best for your needs. We have access to a number of markets that will allow us to provide you with the best combination of coverage, price, and service.

 

 

 

 

 

Hit The Road With Better RV insurance

Hit The Road With Better RV insurance

You probably bought your motor home or travel trailer because it offers the best of both worlds: the ability to explore the world we live in and the convenience of your home each night when you pull over. Motor homes and travel trailers offer a freedom and joy that’s unique regardless of the size of coach or fifth wheel you explore with.

Comprehensive RV insurance needs to also protect you when you have stopped and camped. That means you need insurance closer to what you find in a homeowner’s policy that includes features such as:

Personal liability

Protection in case someone is injured in or around your RV

 Personal property

Enhanced property insurance that will protect the contents of your RV in case of theft or damage.

 Additional Living Expenses

Protection that helps pay for your cost of living if you are displaced from your motor home.

Attached Accessories

Another layer of protection that covers your awning, TV antennas or other accessories that might be damaged. Getting the right recreational vehicle insurance doesn’t have to be expensive or difficult with an insurance expert on your side.

Some policies include Roadside Assistance, which has you covered 24/7 in the event of a breakdown or accident. Some will even allow you to upgrade the coverage to include lodging, transportation, and meal coverage if needed.

Oakwood operates as an independent insurance agency, selling an extensive spectrum of insurance to businesses, families, and individuals.  Our competitive advantage comes from the objective and professional service that we provide our access to a wide range of carriers, and our extensive knowledge of the insurance marketplace.

In 1989, Oakwood’s founder, Bruce L. Sogn, set out to establish a business that would give him the opportunity to serve the community and to fulfill a need in the marketplace. Today as an independent insurance agency, Oakwood does just that.

After researching the insurance industry, he found that by becoming an independent insurance agent, he could offer a comprehensive range of insurance products and services to his clients. By maintaining focus on competitive products, Oakwood has kept its commitment to service, professionalism, and the highest integrity.