Month: March 2019

Should Home Insurance Policies Be Reviewed Annually?

Posted on by AgentInsure

You work hard to provide a house for your family.  Through care and attention that house has become a home where your family can grow.  Your home insurance policy also works hard to protect the house and your assets.  When you originally purchased the policy, you were excited about your new home and anticipating what your life would be like there.  The policy was most likely also a requirement of your mortgage lender.  It’s entirely possible that you may not fully understand the extent of the coverage written into your policy.  This is understandable.  The team at Integra Insurance Services works with homeowners throughout the Huntington, TX area to get the coverage they need.  They are also ready to explain the policy in everyday language and answer any questions that you have.

As your family grows and changes, there will also be changes to your lifestyle.  You may make some improvements to your home.  This means that your home insurance needs also change.  An annual review of your home insurance policy, much like an annual medical checkup, can highlight areas where coverage needs have changed.  It may show areas where you can lower your premiums. 

The agents at Integra Insurance Services understand the needs of homeowners in the Huntington, TX area.  They know weather conditions and flooding risks.  With an expert eye and friendly advice, they can go through your existing policies to ensure that they are addressing any changes to your lifestyle, improvements to the house or property structures.  Also, they will be able to discuss with you any changes or developments in the insurance field that might affect your coverage.  So, pull out those policies and contact them for a review today.  Its an investment in your family and your property.   

What to do After a Car Accident?

Posted on by AgentInsure

The two main things to remember directly after a car accident is to remain calm and call 9-1-1 if there are any possible injuries that could be severe. Several other items need your attention right away after a collision.

Stay Calm

When you keep your cool, it’s easier to think straight and make rational decisions. This will also help to avoid a conflict with the other driver involved in the collision in Huntington, TX. You can choose not to speak to the other driver at all, or you can small talk with them and it may calm everyone involved.

Keep Everyone Away From Traffic

If there are only minor damages, you can move the vehicles to be out of the way of oncoming traffic. If they are not moveable, turn on your hazard lights. If no one is injured, make certain that all passengers are off the road and away from any traffic for their safety.

Don’t Move Anyone with Serious Injuries

If someone incurs serious injuries, especially if it is to their spine or head, then don’t move them as it could make the injuries much worse.

Call the Police and 9-1-1

Texas state law mandates that you call the police in any accident that involves property damages or injuries. You will get a police report, the officer’s name, badge number, phone number, and the police report number. The report number is an important part of filing an auto claim with Integra Insurance Services.

Get Contact Information on Witnesses

If there are any third party witnesses, ask them to wait until the police arrive to be a neutral part and give their account of what happened at the accident scene.

Don’t Admit to Being at Fault

Don’t apologize to the other party, but instead just cooperate with the other driver and the police.

Exchange Information

Exchange information with the other driver. You should each provide each other with your full name, insurance provider, policy number and the phone number for the insurance company.

Contact your Insurance Provider

Call your insurance provider as soon as you can, especially if there will be claims or there are injuries.

We realize at Integra Insurance Services in Huntington, TX, that it can be quite unnerving if you are in an auto accident, and we are here to help you. You can use our online rating tool, come by the office or give us a call to discuss your auto insurance needs.