slow
Wednesday, October 28, 2009
Thursday, September 17, 2009
Very bad car accident
Please take a look this could happen to you.
Huggins Family Insurance Las Vegas
1-702-616-8384
www.allstateagencies.com/chuggins
Insurance Questions
When you sit down with an insurance agent make sure that you know what you are getting..
- Insurance can be very confusing so I suggest that you ask a lot of questions.
- What are you trying to protect?
- What is your liability you are trying to protect
- If you have a lot to loose then of coarse you need more insurance.
- How much insurance do you need?
- If you have a lot of assets you will need more insurance than a person that has less to protect.
- Ask your agent what he or she thinks you need.
- Don't use your prior insurance to make your decisions
- Every time you get insurance you should always go over your coverage's
More to come
If you are in Nevada please give me a call at 1-702-616-8384.
Huggins Family Insurance
Were everybody is a family member
Look below this squirrel ruined their picture.
Friday, August 28, 2009
Putting your children on your on your auto policy
When your children get ready to drive parents start to have a nervous break down. I am here to tell you that this does not have to be that bad. Your insurance is good as your insurance agent, always call your agent to ask question not your insurance company. Your agent is the buffer between the company and you. A lot of insurance companies have DVDS showing your children the do's and don'ts about driving. Here are some options for you and your family.
- Call your agent to discuss your options
- Go over coverage's to protect your asset's
- Take your young driver often to get them some much needed experience
- Bring your son or daughter into your insurance agents office to go over what they are responsible for when they are behind the wheel.
- Most agents want to help you with this big decision but if you can't get a hold of your agent give me a call at 1-702-616-8384 and I would be happy to help...
Always call me if you are in Nevada
1-702-616-8384
Thursday, August 27, 2009
What to do in case of a automobile accident.
1. Stay Calm
> Determine the extent of injuries or damage
2. Call the Police
> File an accident report and obtain medical assistance if needed
3. Limit Discussion
> Talk only with the police or your Allstate agent or Claim Representative
> Don't admit liability or fault at the scene of the accident
4. Get the Facts
> Write down the names, addresses, phone numbers and insurance companies of
the individuals in the accident and any witnesses.
> Record the license plate numbers of cars involved. Also, record the extent of
injuries if any were sustained
5. Call your insurance company or your agent ASAP!!
Las Vegas Car Insurance
What's Covered In An Auto Policy
The auto policy can (but does not have to) include coverage for up to six distinct risks, each of which is priced separately. They are:
Bodily injury liability, for injuries the policyholder causes to someone else.
Medical, or in some states, Personal Injury Protection (PIP) for treatment of injuries to the driver and passengers of the policyholder’s car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident.
Property damage liability, for damage the policyholder caused to someone else’s property.
Collision, for damage to the policyholder’s car from a collision.
Comprehensive, for damage to the policyholder’s car that doesn’t involve a collision with another car. Covered risks include fire, theft, falling objects, missiles, explosion, earthquake, flood, riot and civil commotion.
Uninsured motorists coverage, for treatment of the policyholder’s injuries as a result of collision with an uninsured driver. No state requires car owners to carry insurance for all these risks. But many states require drivers to carry minimum amount of liability insurance for bodily injury and property damage, as well as personal injury protection coverage.
Buying Car Insurance for the First Time
Purchasing car insurance for the first time can be quite confusing. Huggins Family Insurance is here to help. A few items are needed to complete this transaction.
First the insured must be of legal age in the state the insurance will be purchased (usually age 16), must have a valid drivers license and own a vehicle in their own name (technically, you need the insurance prior to purchasing the vehicle and driving it off the lot). Once these requirements are met, insurance can be purchased.
Contact an insurance agent or insurance company to purchase a policy. A series of questions will be asked and must be answered truthfully in order to get the best rate. The information the agent will need is the following: Name, address, phone number, date of birth, driver’s license number, social security number, vehicle identification number, how far you travel to and from work/school, the insurance coverage you're looking for, and discounts available on the vehicle (the agent will ask these and you can answer yes or no).
The agent should be able to obtain a quote on the same day, however allow one day of lee time to make sure the agent can be thorough in getting the best coverage and price. We recommend that you obtain at least three insurance quotes to be sure you are making a fair comparison and determine the best price. Go to http://www.allstateagencies.com/CHuggins/Welcome and use the quote form to help with this process. Once your decision is made, you will need to sign applications and deliver a down payment to the agent. The agent will give you Identification cards for your vehicle to show proof of coverage.
After the insurance coverage is in force, take the proof to the department of motor vehicles (DMV) and register the vehicle with the necessary paperwork (title, driver’s license, insurance). The DMV will issue you license plates and temporary registration. Place the plates on the car and registration in the window and you’re all set to go. Now you just need to make the car and insurance payments to stay current.
DMV) We hope this helps. Good luck with your new car and drive safely.
Car Insurance Rate Factors that are Under Your Control
Did you ever wonder what the major factors that impact your insurance coverage are? Most people do. I am going to use a pretty broad brush to go over the factors that should concern you.
You.
Your Car.
Your Location.
You are one of the main factors in determining your car insurance rate. By 'you' I am referring to your age, your driving record, your education, and your accident history. What is it about 'you' that is under your control? Well, it isn't your age. It is your driving record and/or your loss history to some extent, but accidents and tickets aren't always under our control. Mainly I am referring to your ability to educate yourself by taking a defensive driving class. A defensive driving class could save you about 10% on your insurance premiums with most companies. The classes are usually about $30 and some employers will offer them for free.
Your Car doesn't have to be the latest 300hp sports coupe, or the very expensive to repair foreign SUV. You can select a car that costs less to insure and keep your rate down in the process. Now, you probably aren't going to win any races with a conservative vehicle, but in the long run, you will save a couple of bucks. Talk to your agent, or company, about the best vehicles in terms of insurance costs. You might be surprised to find that it isn't all about the cost of the vehicle. The safety rating and the average repair cost are also major factors in determining a rate. Shop for your next car with list in hand.
Your Location is going to be the factor that can cause the most swing in your insurance rate. You might be shocked at the difference in rate from one side of the street to the next (they have to draw the line somewhere). I have seen cases, where someone on one side of the street was paying $500 per year. If they moved across the street, they would have paid $1,500 per year. Most people who do not own their own home will move every couple of years. Be sure to talk to your agent about insurance costs from one area to the next. You would hate to sign a lease on a place that is $50 a monthly less, only to find that your insurance cost is now $100 a month more.
Of course, there is a bit more to it than that, but remember, this is the broad brush version of this story and if you want further detail, seek advice from an insurance company or agent, not a web article.
Please Contact Chris at 1-702-616-8384 or email Chuggins@allstate.com
http://www.allstateagencies.com/CHuggins/Welcome
The auto policy can (but does not have to) include coverage for up to six distinct risks, each of which is priced separately. They are:
Bodily injury liability, for injuries the policyholder causes to someone else.
Medical, or in some states, Personal Injury Protection (PIP) for treatment of injuries to the driver and passengers of the policyholder’s car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident.
Property damage liability, for damage the policyholder caused to someone else’s property.
Collision, for damage to the policyholder’s car from a collision.
Comprehensive, for damage to the policyholder’s car that doesn’t involve a collision with another car. Covered risks include fire, theft, falling objects, missiles, explosion, earthquake, flood, riot and civil commotion.
Uninsured motorists coverage, for treatment of the policyholder’s injuries as a result of collision with an uninsured driver. No state requires car owners to carry insurance for all these risks. But many states require drivers to carry minimum amount of liability insurance for bodily injury and property damage, as well as personal injury protection coverage.
Buying Car Insurance for the First Time
Purchasing car insurance for the first time can be quite confusing. Huggins Family Insurance is here to help. A few items are needed to complete this transaction.
First the insured must be of legal age in the state the insurance will be purchased (usually age 16), must have a valid drivers license and own a vehicle in their own name (technically, you need the insurance prior to purchasing the vehicle and driving it off the lot). Once these requirements are met, insurance can be purchased.
Contact an insurance agent or insurance company to purchase a policy. A series of questions will be asked and must be answered truthfully in order to get the best rate. The information the agent will need is the following: Name, address, phone number, date of birth, driver’s license number, social security number, vehicle identification number, how far you travel to and from work/school, the insurance coverage you're looking for, and discounts available on the vehicle (the agent will ask these and you can answer yes or no).
The agent should be able to obtain a quote on the same day, however allow one day of lee time to make sure the agent can be thorough in getting the best coverage and price. We recommend that you obtain at least three insurance quotes to be sure you are making a fair comparison and determine the best price. Go to http://www.allstateagencies.com/CHuggins/Welcome and use the quote form to help with this process. Once your decision is made, you will need to sign applications and deliver a down payment to the agent. The agent will give you Identification cards for your vehicle to show proof of coverage.
After the insurance coverage is in force, take the proof to the department of motor vehicles (DMV) and register the vehicle with the necessary paperwork (title, driver’s license, insurance). The DMV will issue you license plates and temporary registration. Place the plates on the car and registration in the window and you’re all set to go. Now you just need to make the car and insurance payments to stay current.
DMV) We hope this helps. Good luck with your new car and drive safely.
Car Insurance Rate Factors that are Under Your Control
Did you ever wonder what the major factors that impact your insurance coverage are? Most people do. I am going to use a pretty broad brush to go over the factors that should concern you.
You.
Your Car.
Your Location.
You are one of the main factors in determining your car insurance rate. By 'you' I am referring to your age, your driving record, your education, and your accident history. What is it about 'you' that is under your control? Well, it isn't your age. It is your driving record and/or your loss history to some extent, but accidents and tickets aren't always under our control. Mainly I am referring to your ability to educate yourself by taking a defensive driving class. A defensive driving class could save you about 10% on your insurance premiums with most companies. The classes are usually about $30 and some employers will offer them for free.
Your Car doesn't have to be the latest 300hp sports coupe, or the very expensive to repair foreign SUV. You can select a car that costs less to insure and keep your rate down in the process. Now, you probably aren't going to win any races with a conservative vehicle, but in the long run, you will save a couple of bucks. Talk to your agent, or company, about the best vehicles in terms of insurance costs. You might be surprised to find that it isn't all about the cost of the vehicle. The safety rating and the average repair cost are also major factors in determining a rate. Shop for your next car with list in hand.
Your Location is going to be the factor that can cause the most swing in your insurance rate. You might be shocked at the difference in rate from one side of the street to the next (they have to draw the line somewhere). I have seen cases, where someone on one side of the street was paying $500 per year. If they moved across the street, they would have paid $1,500 per year. Most people who do not own their own home will move every couple of years. Be sure to talk to your agent about insurance costs from one area to the next. You would hate to sign a lease on a place that is $50 a monthly less, only to find that your insurance cost is now $100 a month more.
Of course, there is a bit more to it than that, but remember, this is the broad brush version of this story and if you want further detail, seek advice from an insurance company or agent, not a web article.
Please Contact Chris at 1-702-616-8384 or email Chuggins@allstate.com
http://www.allstateagencies.com/CHuggins/Welcome
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