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    Q&A with Kelly – Insurance Claims

    Posted: August 13, 2019

    Insurance is there for you when you need it. It’s your the safety net. But when something happens to your house or car, it can cause a lot of stress not knowing what is covered or how to file a claim. Depending on what kind of damage you’re facing, filing an insurance claim might help relieve some of the financial problems.

    What Is an Insurance Claim?

    Filing an insurance claim means you’re making a formal request to your insurance company to receive funds to help you pay for repairs and other expenses caused by an event (car accident or a home burglary) that is covered by your insurance.

    Every situation is different, and as an Independent Agent, I can help you outline the specifics and assist in filing a claim.  Below, I have provided common questions and answers to help you understand filing insurance claims for home or auto insurance.

    Insurance Claims-AUTO


    Q. What I am in a car accident and not at fault?

    •  Be sure to obtain the other person’s insurance card. Taking a picture with your phone is the easiest and most acceptable.
    • File the claim with the other party’s insurance carrier. If you file it with your own, you will be obligated to pay your deductible (typically $500). Your carrier will fight to get this back, however depending on the other party’s carrier (i.e. substandard) this could take months to get your money back. Once the money is returned to the carrier, they will send it back to you. This is often referred to as subrogation.
    • If you file with the claim with other party, you will be able to obtain a rental car at the expense of the other insurance carrier.
    • Do NOT wait for the other driver to file the claim. If you want to get the ball rolling, use the information from the ID card they provided to file the claim. The carrier will require a statement from you and the other driver.


    Q. What if I am in a car accident and at fault?

    • Provide the other party with your ID card. If your car is damaged and you want it fixed, contact your carrier. If not, you can choose to pay the damages out of pocket or file it with your insurance carrier. I recommend NOT providing your ID card if you plan on paying it out of pocket. Any time you contact the carrier direct to ask about a claim or file the claim, only to pay it out of pocket, the claim will be on your record for 5 years.
    • If you are at fault, rental car reimbursement is only provided if you have rental reimbursement on your policy. Many people with liability only coverage or more vehicles than drivers do NOT have rental reimbursement. If this is important to you, may sure your policy covers it. The additional is cost is normally $30 per year per vehicle.

    Q. What if I need rental car coverage?

    • Rental car reimbursement only provides coverage when your vehicle is damaged due to an accident.  It does NOT provide coverage due to your vehicle breaking down.
    • The car rental company will ask if you want to purchase their insurance coverage.  Please note, your policy will provide coverage to the rental vehicle.  If you had to file a claim, the claim will be listed on your record and may affect your rate in the future.

    Q. What if I am injured in a auto accident?

    • If you are injured in an auto mobile accident, the carrier (yours or the other party’s, depending who is at fault), will pay for medical damages, lost wages, etc.  I recommend contacting an attorney to help you through the process.  If you do not have an attorney, I am happy to recommend one as I work with multiple.
    • If the other party’s coverage does not provide enough coverage, your policy will cover for any additional expenses, under your uninsured/underinsured motorist coverage.

    Insurance Claims-HOME


    Q. What if I have water damage?

    • If the damage is caused by water, take many pictures, and get the water out ASAP.  The longer the water sits, the more damage will incur, and many policies have a limit on water damage (i.e. $5,000 or $10,000). 
    • The carrier will provide you a check for the initial damages, less depreciation.  Once the damages have been repaired you must show proof to receive 100% of the payout.  Receipts or construction contracts will work as proof.


    Q. What if I have a claim on a rental property?

    • If the claim is on a rental property, the carrier will ask for proof that the property was/is occupied.  If the property is insured as tenant occupied and is actually vacant, they will deny coverage.  Call me if your property is vacant as we will adjust coverage immediately.

    Q. What if someone is injured on my property?

    • If someone is injured on your property, they will receive payout from your medical coverages (typically $5,000 max) if it is worse than that they will sue you for the limit of your liability coverage/umbrella.  This limit is typically $300,000 for a single-family residence and an additional $1 million with the umbrella.
    • Liability coverage protects you in the event anyone is injured on your property.  Invited or not, you can and will be sued due to an injury.

    Q. What if I have fire damage?

    • In the event of a fire loss, the carrier will ask for a list of ALL of your personal possessions.  If it is not a total loss, they will be able to obtain pictures of the remaining items, but I ALWAYS recommend taking pictures/videos of your personal possessions; open drawers, closets, under beds, etc.  You will NEVER remember everything you own without some sort of documentation.

    Q. What if I need replacement costs for personal possessions?

    • I write ALL of my home/renters’ policies to include replacement cost of your personal possessions.  This means the carrier will provide you the full value to replace your personal effects.


    Q. What if my dog bites someone?

    • Your home/renter’s policy does provide coverage for dog bites.  Depending on the severity of the dog bite, the medical portion will pay out first (typically $5,000 limit) followed by your liability (typically $300,000) and umbrella (if you have one).  However, depending on the type of dog you own (Pit Bull, Rottweilers, Doberman Pinchers, etc.) the carrier may deny coverage.


    If you have questions about how to file a claim or wonder if you should file a claim feel free to call me at 708-444-0050.  I normally recommend you obtain quotes for the damage(s) before you decide whether to file. It does not make sense to file a claim if the damages are less than or just over your deductible. 

    NOTE: The questions asked to me will not go on your record. 

    As a reminder, all home claims and at fault accidents are subject to the deductible.  This means the carrier will collect the deductible before anything is paid out.

    Advantages of Bundling Your Home and Auto Insurance

    Posted: June 17, 2019

    There are many benefits to using an Independent Insurance Agent such as Kelly Burke Insurance to combine your Home and Auto Policies.    A customer can save as much as $1,000 by bundling your policies together.  
     

    Benefits of Combining Your Home and Auto with an Independent Insurance Agent.

    Lower Costs: Often, you pay a lower rate due to the multi-policy discount.  This discount ranges from 20-30% depending on the produce type (i.e. home or auto) and carrier.

    Renewal Savings: Each renewal, I review your rate to confirm you are still receiving the best possible package.  This means I review rates with other carriers to confirm your rate is in line with industry trends.

    Best Package: I review the total package.  Some carriers will offer a great rate on the auto, but a much higher rate on the home.  By reviewing the total package I confirm you are paying the lowest possible premium.

    Convenience: It makes it easier for you to call or email one office for all of your insurance servicing needs.  There is nothing worse than trying to figure out which person to contact to add a vehicle to your policy, update your mortgage information, etc.

    Along with outstanding coverage and savings, you’ll receive dedicated and personalized service you would expect from your insurance agent. Please contact Kelly today at 708-444-0050 or Kelly@kellyburkeinsurance.com to see how much you could save.

    What You Need to Know About Rental Car Insurance.

    Posted: July 21, 2018

     

    You’ve probably been at the rental-car counter, listening to the representative ask if you want to purchase the company’s insurance. And the thoughts start racing through your head. “Is this a rip-off? Doesn’t my regular auto policy cover me? What about my credit card? Why didn’t I figure this out before I left on my trip?”

     

    At Kelly Burke Insurance, I am here to help. And while not every situation is the same, I’ve got some general tips that will help you make an informed decision the next time you’re standing at that counter.

     

    1. Know your personal auto policy.

    Because insurance policies vary, it’s a good idea to give us a call — before you rent a car — to make sure you have the coverage you need. In many instances, your personal auto policy will provide coverage for a rental car — but that coverage may be limited to the value of the car you own, rather than the one you’re renting. Of course, if you don’t have a personal auto policy, you’ll need to purchase coverage from the rental company.

     

    And keep in mind that in the event of an accident, many rental companies will charge fees beyond repair costs. They may assess a loss-of-use fee for each day the car is unusable, as well as charge you because the value of the car has decreased. Not all insurance policies cover these fees.

     

    2. Also know your homeowners or renters policy.

    If you’re traveling with expensive electronics or other valuable items, you probably want to consider what coverage you’ll have in the event they are stolen. Your personal auto policy and/or credit card coverage likely won’t provide protection for this scenario.

     

    3. Check your credit card protection.

    Most credit cards will also provide some coverage, but often payment is limited to reimbursement of your personal auto policy deductible (after that policy pays for repairs). Generally, loss-of-use and other fees are not covered, but it’s important to check with your credit-card provider to determine their policies. And while some cards may offer additional protection for a fee, usually coverage is limited to damage to the car, not liability for any injuries to others. Remember, to receive any sort of benefit from your card, you must use that card to pay for your entire car rental.

     

    4. Consider any unique circumstances.

    Are you renting a car in a foreign country, or for more than a week? You’ll definitely want to get confirmation of coverage from both your insurance carrier and credit card company because different rules might apply. Also, no matter where you are, vehicles such as trucks, RVs or exotic sports cars often aren’t covered under standard agreements. And if you’re using a car for business purposes, your personal coverage might not apply. Finally, if multiple people will be driving the car during your trip, make sure your coverages will apply to them.

    According to the Insurance Information Institute, rental companies offer four main types of coverage.

    A Loss Damage Waiver (LDW) relieves you of responsibility if your rental car is damaged or stolen. This may also provide coverage for loss of use.

    Liability Protection provides protection from lawsuits if you are sued after an accident.

    Personal Accident Insurance covers you and passengers for medical bills after an accident. You may not need this if you have adequate health and auto coverage.

    Personal Effects Coverage protects you if items are stolen from your car. You generally are covered for this under your homeowners or renters policy, but keep in mind that the loss must exceed your deductible for you to receive payment. If you have a high deductible, it may make sense to purchase this coverage from the rental company.

     

    When you go on vacation, you don’t want to stress out about insurance. So give me a call at 708-444-0050 before you leave. Then, when you head over to the rental-car counter, you can stop worrying about your coverage — and start enjoying your trip!

     

     

    Tips to Getting Your Basement Dry

    Posted: April 18, 2013

    You may be surprised at what can be saved after it has been damaged from water. The most important tip is to get rid of the water ASAP. The longer the water sits the more of an issue it becomes with mold and the harder it is to repair. Below are some tips to remediating your water damage.

    *Remove important items that can be picked up and moved to another room. Once removed from the water dry with a fan.
    *Find the source of the water. There may be leaves clogging a sewer or a faulty sump pump. If so, remove the leaves or replace the sump pump. If you need a referral I can provide you with one for immediate sump pump repair.
    *Use a dehumidifier or air conditioner to circulate the air and reduce moisture buildup in your basement.
    *Confirm that your policy has sump pump/sewer back up coverage, the endorsement will provide coverage for water removal and damaged items.

    Wondering why your home insurance premium continues to increase??

    Posted: February 7, 2013

    *Since 1997, the Homeowners insurance industry has suffered more than $50 billion in underwriting losses, according to the Insurance Information Institute.

    *The industry estimate for 2012 is a $12 billion underwriting loss.

    *A lot of this is due to increased natural catastrophes—there have been an average of 63 natural catastrophes a year since 1997 compared to an average of 32 a year for the previous 16 years (’81-’96).

    *And, a lot of it is due to the severe nature of the claims—the severity of catastrophe-related claims is up 200 percent from ’97 to 2011.

    Questions
    Questions

    Feel free to email or call me with any questions or comments about my services or if you have any insurance related inquires.

    Contact
    Contact

    Phone: 708.444.0050
    Email: kelly@kellyburkeinsurance.com

    Availability
    Availability

    Monday - Friday: 10am - 5pm
    Evening and weekends
    available upon request