JonRay Insurance, Inc, would like to help you handle and resolve, in the best way possible, the inconvenience of an accident by giving you some easy steps to follow and remember:
Before anything happens to you, you should write down the important names and phone numbers you may need in the event of an accident such as:
- Insurance Company
- Towing Company
- Family, friends number
Keep these numbers handy in a card inside your glove compartment
What To Do After An Auto Accident
- Do not leave the scene
- Do not discuss "fault" or make statements about the accident to anyone but the police
- Ask to see the other driver's license and write down the number
- Exchange insurance company information.
- Help or get help for injured people if needed
- Have a camera in the car an take pictures
- Call police if necessary
- Call for a tow, make sure you know the towing company and where the car is being towed
- Call the insurance Agency or Company and ask for advice
- Do not lose your temper, ask for help to family or friends
In case of losses to covered property see the following
- Give prompt notice to your Company and/or agent.
- Protect the property from further damages.
- Ask for a damage estimate.
- Make reasonable and necessary repairs to protect the property.
- Keep acurate records of repair expenses.
- Prepare an inventory of damaged personal property showing the quantity, description, actual cash value and amount of loss.
- Attach all bills, receipts and related documents that justify the figures in the inventory.
- Show the damaged property if possible
- Provide the company with a copy of the records and documents.
- List specifications of damaged building and detailed repair estimates.
- Have an inventory of damaged personal property.
- Keep the receipts for additional living expenses incurred and record that suppor the claim.
Homeowners insurance typically does not cover flood damage
Nearly 25% of flood insurance claims come from low-to-moderate risk areas
It takes only a small amount of water to cause major damage to your Property.
Flooding can destroy walls, floors, furniture, electrical system, saving...
As it is inform by N.F.I.P. and FEMA we have to consider these facts:
- Nearly 25% of all claims come from low-to-moderate risk areas.
- Every property is at risk to some level of flooring, which can be caused by heavy rain, seasonal storms and poor drainage.
- Last year alone, flood damage in the U.S. exceeded $600 million, with paid floor isurance claims averaging $33,356.
Protect your property and yourself.
Don't let a few inches of water destroy your savings!