The importance of having good insurance.
We all have seen the commercials and slogans. Like a good neighbor, State Farm is there. A fifteen minute call can save you 15% on car insurance. You are in good hands with All State. And of course, there is Flo with Progressive. We see them all day, every day, but how do we know that an insurance company is really going to deliver on the promise of protection?
The reality is that you don’t. Although we cannot judge the book by its cover, as a consumer, it is almost impossible to know how an insurance company will handle our accident claims until, unfortunately, we have one. Not even talking to friends or family members can we get a real anticipation of how a particular insurance company will handle a certain claim because every circumstance leading up to a claim is different. Past responses or claim handling is no indicator either, as companies are continually changing and modifying internal policies to protect their assets.
Over nearly 20 years of working with victims of personal injuries, auto accidents, 18 wheeler accidents, burn victims and more, we have found these five key factors to consider when protecting you and your family with property and casualty insurance.
- The cheaper the plan, the more likely it is to be of poor quality and coverage
- Go for maximum coverage instead of minimum coverage
- Get an umbrella policy
- Have a relationship with your agent
- Always pay on time
Yes, we understand that money is a primary consideration when purchasing your insurance policy for home or auto. We all want the lowest possible monthly payments, but our experience has shown us that when you buy the cheapest policies, the coverage and the service can be equal to or lesser than what you expect. After you have an accident and receive poor service, most likely you will want to switch your carrier. Save yourself the trouble. Pay a little more and get better service to begin with.
Continuing on the topic of savings, we typically want the lowest dollar coverage available. Obviously the rate we pay will depend on the amount of coverage provided. We believe you should go for the most allowed or offered by your insurance company. In the event that you are in an accident or something happens to your home, you will be glad that you did as you will be able to cover all or most of the costs to replace property and medical bills. A few extra dollars per month will go a long way. Get the most coverage to protect yourself and to cover as much of the damage done to others as you can.
If you don’t have an umbrella policy, stop reading this and call your insurance agent immediately. For a few dollars per month your homeowner’s policy can cover any additional liabilities that could devastate you financially. Did you know you could be liable is someone slips and gets hurt in your pool? What if someone has a little too much to drink at your birthday party and they drive drunk and hurt someone. You could be liable. We have seen so many cases where having an umbrella policy protected homeowners and cases where not having one created financial chaos for some families.
Getting to know your agent can help you expedite a claim. Sometimes that relationship is everything. In today’s world, companies are getting bigger and bigger and claims can fall through the cracks. Having your agent pick up the phone and pull some strings on your behalf can make all the difference in getting taken care of promptly, or suffering a terrible experience with a claim.
Finally, paying on time. We know most people dread paying the insurance bill because they don’t see a tangible or immediate benefit. However, not paying on time could be a disaster. Insurance companies don’t mess around when it comes to lapsing. That is a period of time when the policy was not active because of lack of payment. We have seen cases where being late even one day, claims have been declined.
So remember that if you or someone you know has been injured in an auto accident, 18 wheeler accident, explosion or any other type of injury due to the negligence or irresponsible behavior by a third party, you have rights. You should contact an attorney immediately and see if the can help you with your case.
At the Leon Law Firm, in most cases you will be working personally with Attorney Carlos Leon, who has been practicing law in Texas for 20 years. Over the last 10 years Mr. Leon’s practice has focused on and represented victims of personal injuries. He has handled thousands of cases and most likely he and his associates have experience in the type of case for which you need help.
The León Law Firm in Sugarland Texas, has 20 years of experience in handling personal injury cases such as auto accidents, 18-wheeler accidents, explosions, burns, loss of limbs, deaths, medical malpractice and more. Over the years, we have tried and settled thousands of cases on behalf of personal injury victims. Our clients have been awarded millions of dollars collectively. If you or a loved one has been the victim of such accident, call us immediately for a complimentary case evaluation. If we agree to represent you in your case, you will not pay a dime unless we win a settlement on your behalf. Call us today, at 281-980-4529. We look forward to protecting the rights of you and your family.