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If your business relies on employees who drive, you might have wondered about the different types of insurance to keep everything running smoothly. One type that often goes overlooked is non-owner car insurance. But what exactly is it, and do your business drivers need it? Let’s explore the benefits and considerations to help you make an informed decision.

What is Non-Owner Car Insurance?

Non-owner car insurance is a specific type of auto insurance designed for individuals who drive cars they don’t own. This coverage offers liability protection, including bodily injury and property damage caused by the driver. It’s important to note that non-owner car insurance does not cover the vehicle or the driver’s injuries. It strictly covers damages and injuries to others involved in an accident.

This type of insurance is especially crucial for businesses if employees use their personal vehicles for work-related tasks. It acts as a safety net, protecting the driver and the business from potential financial liabilities arising from accidents.

Why Consider Non-Owner Car Insurance for Your Business Drivers?

Non-owner car insurance becomes invaluable for business drivers for several reasons:

Liability Coverage

This type of insurance provides liability coverage, protecting your business against claims of property damage or bodily injury caused by employees while driving for work. This protection is essential as it shields your business from potentially crippling lawsuits and financial losses.

Medical Payments Coverage

Another significant benefit is medical payments coverage, which covers employees’ medical expenses in case of an accident. This ensures that any injuries sustained by your employees while on the job are taken care of, reducing the financial strain on your business.

Uninsured/Underinsured Motorist Coverage

Non-owner car insurance also includes coverage for uninsured or underinsured motorists. This is particularly beneficial if your employee is involved in an accident with a driver without sufficient insurance. This coverage helps protect against damages and injuries caused by such drivers, offering an additional layer of security.

When is Non-Owner Car Insurance Necessary for Business Drivers?

Understanding when non-owner car insurance is necessary can help determine if it’s a worthwhile investment for your business.

Employees Using Personal Vehicles for Work

Non-owner car insurance is necessary if your employees frequently use their vehicles for work-related tasks. Personal auto insurance policies typically do not cover business use, leaving a coverage gap that non-owner insurance policies can fill.

Company-Owned Vehicles Driven by Employees

Even if your business provides company-owned vehicles, SR-22 auto insurance and non-owner car insurance can be beneficial. This insurance can act as secondary coverage, providing additional protection beyond what your primary commercial auto policy offers.

Temporary or Contract Workers

Many businesses employ temporary or contract workers who use their vehicles for work. Non-owner insurance policy can ensure that these workers are adequately covered, protecting them and your business from financial risks.

Factors Affecting Non-Owner Car Insurance Premiums for Businesses

Several factors can influence the cost of non-owner car insurance premiums for businesses. Understanding these can help you manage your insurance expenses more effectively.

Number of Employees Covered

The number of employees covered under your non-owner car insurance policy will directly impact the premium costs. More employees mean higher premiums, so balancing comprehensive coverage and cost is essential.

Driving Records of Employees

Good driving records among your employees can lead to lower premiums. Safe driving practices and clean records reduce insurers’ risk, resulting in more affordable rates for your business.

Types of Vehicles Used

The types of vehicles your employees drive can also affect premiums. Larger, more expensive vehicles may result in higher premiums, while smaller, less costly ones might be cheaper to insure. For business vehicles, it’s crucial to consider car insurance for business vehicles that align with the type and frequency of vehicle use in your operations.

Location of the Business

The location of your business plays a role in determining premium costs. Areas with higher traffic and accident rates typically result in higher premiums due to the increased risk of accidents.

Trust Our Expert Insurance Agents

Non-owner car insurance is a valuable addition to your business’s insurance portfolio, offering essential liability, medical payments, and uninsured/underinsured motorist coverage for your business drivers. Whether your employees use personal vehicles or company-owned cars or you employ temporary workers, this type of insurance can provide the protection you need.

Assess your business’s needs and consider the potential risks to determine whether non-owner car insurance suits you. Contact Active Insurance to learn more about non-owner car insurance, SR-22 auto insurance, or car insurance for business vehicles and get a free quote.

By taking proactive steps today, you can ensure a safer and more financially secure future for your business and its drivers.

Being involved in a car accident is stressful enough, but when the other driver is uninsured, things can get even more complicated. Uninsured motorist coverage provides a safety net in such cases, protecting you from the financial burden that the at-fault driver should have covered. Without it, you could be left paying for damages and medical expenses out of pocket.

 

This coverage steps in when the responsible driver lacks insurance, ensuring that you’re not left with insurmountable costs after an accident. It’s essential to any insurance policy to help drivers navigate an unpredictable world.

Understanding Uninsured Motorist Coverage

Uninsured motorist coverage protects you financially when the at-fault driver doesn’t have liability insurance. It covers damages that should have been paid by the other driver, including:

 

• Medical expenses
• Vehicle repairs
• Lost wages
• Pain and suffering

 

It also applies when the responsible driver has insufficient insurance, known as underinsured motorist coverage. Common situations where this coverage is needed include:

 

• Accidents with uninsured drivers: When the at-fault driver has no insurance.
• Hit-and-run accidents: If the responsible driver flees the scene.
• Underinsured driver accidents: When the at-fault driver’s insurance is insufficient to cover the full extent of the damages.

 

In many states, uninsured motorist coverage is optional, but it provides vital protection in cases where the other driver’s insurance isn’t available.

Filing a Claim with Your Insurance Company

If you’re involved in an accident with an uninsured driver or uninsured car, filing a claim with your own insurance company is essential. Here are the key steps:

 

• Report the accident: Notify your insurance company immediately to begin the claims process.
• Document the accident: Take photos of the scene, the vehicles, and any injuries. Make sure to get the contact information of any witnesses.
• File a police report: Having an official record of the accident is crucial when making a claim.
• Submit the claim: Provide your insurance company with all the necessary documentation, including photos, police reports, and any medical bills or repair estimates.

 

The more evidence you gather, the smoother the claims process will be. Cooperate fully with your insurance provider to avoid delays in receiving compensation.

Potential Limitations and Exclusions

Uninsured motorist coverage isn’t without its limitations. These restrictions could include:

 

• Coverage caps: Your insurance policy may have a maximum payout limit, which means you could be responsible for the difference if your damages exceed this amount.
• Exclusions: Some policies may not cover property damage or exclude certain types of accidents.
• State-specific rules: Coverage and claims processes may vary depending on your state’s insurance laws. Some states require uninsured motorist coverage, while others don’t.

 

Other factors that may affect your coverage include:

 

• The location of the accident: Some policies limit coverage if the accident happens out of state.
• Specific circumstances: Unusual situations, such as accidents involving non-insured vehicles like motorcycles, may not be covered without additional endorsements.

 

It’s important to review your policy and understand any limitations before you find yourself needing coverage.

Seeking Compensation Beyond Insurance

If your uninsured motorist coverage doesn’t fully cover your damages, you may need to seek compensation through other means, such as legal action. This can include:

 

• Filing a lawsuit: You can take legal action against the uninsured driver to recover costs not covered by your policy, such as long-term medical expenses or pain and suffering.
• Collecting from other sources: Some drivers may have assets or other financial resources that can be targeted through legal action.

 

However, pursuing legal action has its challenges:

 

• Collecting on a judgment: Even if you win in court, there’s no guarantee the uninsured driver will have the means to pay.
• Legal fees: Filing a lawsuit can be costly and time-consuming, and the outcome is not always guaranteed.

 

Consulting with a lawyer can help determine whether legal action is worth pursuing.

Tips for Dealing with an Uninsured Driver Accident

If you’re involved in an accident with an uninsured driver, here are some practical steps to take:

 

• Seek medical attention: Some injuries may not be immediately apparent even if you feel fine.
• Contact your insurance company: Report the accident and start the claims process immediately.
• Gather evidence: Take photos of the accident scene, damage, and any injuries. Collect witness statements and the police report.
• Consider SR 22 auto insurance: This may be required if you’re involved in multiple incidents with uninsured drivers.
• Evaluate non-owner car insurance: A non-owner insurance policy can provide added protection if you don’t own a car but frequently drive.

 

By taking these steps, you can ensure that you’re adequately protected and that the claims process goes as smoothly as possible.

Be Protected with Active Insurance

An accident with an uninsured driver can leave you facing unexpected financial burdens. Having the right coverage, like uninsured motorist insurance, can help protect you from those risks.

 

Active Insurance offers tailored solutions to help keep you protected on the road. Contact our team today and get a quote!

In today’s world, insurance is more than just a legal requirement—it’s a crucial safety net. One type of insurance that often goes overlooked is non-owner car insurance. 

 

Whether you frequently borrow cars, rent vehicles, drive company cars, or need SR-22 auto insurance, understanding non-owner insurance can be a game-changer. But is it worth it? Let’s find out.

What is Non-Owner Car Insurance?

Non-owner car insurance is specifically designed for individuals who drive but do not own a car. Unlike traditional car insurance, a non-owner insurance policy provides liability coverage when you’re behind the wheel of someone else’s vehicle. This policy can help protect you against financial loss if you’re involved in an accident while driving someone else’s car.

 

Understanding the benefits and drawbacks of non-owner car insurance is crucial. It allows you to make an informed decision about whether this type of coverage suits your needs.

Benefits of Non-Owner Car Insurance

 

Liability Coverage

One of the primary benefits of non-owner car insurance is liability coverage. This type of coverage protects you against claims of property damage or bodily injury caused by an accident. For example, if you borrow a friend’s car and accidentally rear-end another vehicle, liability coverage can help cover the costs of repairs and medical bills.

Medical Payments Coverage

Another significant benefit is medical payment coverage. This feature covers medical expenses for you and your passengers in the event of an accident. Medical payment coverage helps you and your passengers get quick medical care after an accident. This applies to both minor bumps and serious crashes. You won’t have to worry about the costs.

Uninsured/Underinsured Motorist Coverage

Non-owner car insurance also offers coverage for uninsured or underinsured motorists. This protects you against damages caused by drivers who don’t have insurance or insufficient coverage. If you have an accident with an uninsured or underinsured car, this coverage can help. It pays for repairs and medical costs. This protects you from financial issues.

When is Non-Owner Car Insurance Necessary?

Frequent Borrowing of Vehicles

If you regularly borrow cars from friends or family, non-owner car insurance can provide peace of mind. Instead of relying on the vehicle owner’s insurance, you have your coverage, which can be especially useful if you drive different cars frequently.

Renting Cars

Non-owner car insurance is a smart investment for those renting cars for travel or business. Rental companies typically offer their insurance, but it can be expensive. Having your non-owner insurance policy might save you money in the long run.

Driving Company Vehicles

Non-owner car insurance can be beneficial if you drive company vehicles for work. While your employer may have insurance for the company cars, having your policy ensures you’re covered in an accident, providing an extra layer of protection.

Living with Someone Who Doesn’t Have Insurance

Living with someone without a car or inadequate insurance can also be a reason to consider non-owner car insurance. It ensures that you’re covered whenever you need to drive, even if the person you live with can’t provide coverage.

Factors Affecting Non-Owner Car Insurance Premiums

 

Driving Record

Your driving record plays a significant role in determining your non-owner car insurance premiums. A clean driving record can lower premiums, while a history of traffic violations or accidents may result in higher costs.

Age

Age is another factor that affects premiums. Younger drivers, particularly those under 25, often face higher premiums due to their lack of driving experience. However, your premiums may decrease as you age and gain more experience.

Location

Where you live can also impact your insurance premiums. Urban areas with higher traffic densities and accident rates may result in higher premiums than rural areas with fewer risks.

Coverage Limits

Finally, the coverage limits you choose will affect your premiums. Higher coverage limits generally result in higher premiums, but they also provide more extensive protection in case of an accident.

Alternatives to Non-Owner Car Insurance

Adding Yourself as a Driver to a Family Member’s Policy

One alternative to non-owner car insurance is to add yourself as a driver to a family member’s policy. This can provide coverage when you drive their car, often cheaper than a separate non-owner insurance policy.

Purchasing a Temporary Car Insurance Policy

Another option is to purchase a temporary car insurance policy. These policies provide short-term coverage for specific periods, such as when renting or borrowing a vehicle for a limited time.

Keep Yourself Protected

Non-owner car insurance can be a valuable investment for drivers who frequently borrow vehicles, rent cars, or drive company cars. It provides vital liability, medical payments, and uninsured/underinsured motorist coverage, offering peace of mind and financial protection. However, factors like driving record, age, location, and coverage limits must be considered when determining if this type of insurance suits you.

 

If you’re still unsure about your insurance needs or require SR-22 auto insurance for high-risk drivers, consider booking a consultation with Active Insurance. Our experts can help you evaluate your options and find the best coverage. Get in touch with us at Active Insurance to learn more and get started today!

Navigating the various documents and policies can be overwhelming. One such document that often confuses is the Certificate of Insurance (COI). Understanding what a COI is and how to obtain one is crucial for individuals and businesses to ensure they are adequately protected. 

 

This blog aims to demystify the concept of COIs, explain their importance, and provide guidance on obtaining one.

What Is a Certificate of Insurance?

A Certificate of Auto Insurance is a document issued by an insurer to confirm coverage for a specific individual or entity. It serves as proof of insurance and typically includes key information such as the type of coverage, policy limits, and effective dates. COIs are often requested by third parties, like clients or business partners, to confirm adequate insurance before activities or transactions.

 

How Does a Certificate of Insurance Work?

When a party requests a COI, the insured party contacts their insurance provider to request the document. The insurance company then issues the COI, usually directly to the requesting party. The COI does not alter or amend the insurance policy in any way but simply confirms coverage as of the date of issuance.

Why You Need a Certificate of Insurance

A COI is essential for demonstrating proof of insurance coverage, especially when liability is a concern. For businesses, presenting a COI may be a requirement when entering into contracts or agreements with clients or vendors. Additionally, individuals may need a COI when renting property or participating in certain activities where insurance coverage is necessary.

Difference Between an Insurance Policy and a COI

It’s important to understand that a COI is not an insurance policy but a summary of the insurance coverage in place. While an insurance policy outlines the terms, conditions, and coverage provided by the insurer, a COI is evidence that the policy exists and is current. Think of the COI as a snapshot of the insurance policy at a specific time.

How to Get Your COI

Obtaining a COI is typically straightforward. You can contact your insurance provider and request a COI if you already have an insurance policy. Be prepared to provide details such as the name and address of the party requesting the COI and any specific requirements they may have. Your insurance provider will generate the COI and send it to the designated recipient.

 

Get Your Insurance Needs Met with Active Insurance

Knowing what a Certificate of Insurance is and how to get one is crucial for ensuring proof of insurance coverage when it counts. By familiarizing yourself with the purpose and function of COIs, you can confidently navigate insurance requirements and protect yourself against potential liabilities. 

 

At Active Insurance, we understand the importance of comprehensive coverage tailored to your needs. Our team of experienced agents is here to help you navigate the insurance landscape and ensure you have the protection you need. Whether you’re a homeowner, business owner, or individual looking for peace of mind, we’ve got you covered. 

Contact us today to learn more about our insurance solutions and how we can help you get the coverage you need.

Car accidents can be distressing experiences, both physically and financially. Beyond the immediate concerns of vehicle damage and potential injuries, many drivers worry about the long-term impacts on their car insurance rates. In this blog post, we’ll delve into the question: How much does car insurance go up after an accident?

If Someone Hits You, Will Your Insurance Go Up?

One of the first questions that come to mind after being involved in an accident is whether your insurance rates will increase. In most cases, if someone else hits you and is found to be at fault, your insurance rates should not increase. Your insurer typically handles the claim through the at-fault driver’s insurance policy, sparing you from rate hikes.

 

However, suppose the other driver is uninsured or underinsured. You might have to rely on your own insurance coverage, potentially leading to increased rates, although this varies depending on your policy and state regulations.

How Much Does Car Insurance Go Up After an Accident?

The impact of an accident on your car insurance rates can vary widely depending on several factors. These factors include the severity of the accident, your driving history, your insurance provider, and the state in which you reside.

 

On average, a single accident can increase car insurance rates by 25% to 60%. However, some drivers may experience more significant hikes, especially if the accident involves serious injuries or extensive property damage.

 

Insurance companies use complex algorithms to assess risk and determine premium adjustments. They consider the likelihood of future claims based on your past driving behavior and accident history. If you had a clean driving record prior to the accident, your rate increase might be less severe than someone with a history of accidents or violations.

 

How Long Do Accidents Stay on Your Record?

The duration an accident stays on your driving record also varies depending on state laws and individual insurance company policies. Accidents can generally remain on your record for three to five years. During this time, they will likely influence your insurance rates, although the impact may gradually decrease, especially if you maintain a clean driving record.

How to Lower Car Insurance Rates

While accidents can lead to increased insurance premiums, there are several steps you can take to potentially lower your car insurance rates:

 

1. Shop Around: Compare quotes from multiple insurance companies to ensure you get the best rate possible. Different insurers weigh factors such as accidents and driving history differently, so you may find better options elsewhere.
2. Increase Deductibles: Opting for a higher deductible can lower your monthly premiums, although it means you’ll have to pay more out of pocket in the event of an accident.
3. Bundle Policies: Many insurance companies offer discounts for bundling multiple policies, such as auto and homeowners insurance.
4. Take Defensive Driving Courses: Completing a defensive driving course can demonstrate to insurers that you are committed to safe driving, potentially leading to discounts on your premiums.
5. Maintain a Clean Driving Record: Avoiding accidents and traffic violations is the most effective way to keep your insurance rates low over the long term.

Rely on Active Insurance

the aftermath of a car accident can be stressful, especially when considering the potential impact on your insurance rates. By being proactive and maintaining a safe driving record, you can minimize the financial consequences of accidents and keep your car insurance rates affordable. Contact us at Active Insurance so we can help you navigate the insurance world with ease.

Car insurance is a vital aspect of responsible vehicle ownership, providing financial protection in case of accidents or other unforeseen events. Many drivers wonder whether they can add someone to their car insurance policy. In this guide, we’ll delve into the details of adding another driver to your car insurance and explore the various aspects surrounding this practice.

About Car Insurance Coverage

Before delving into the specifics of adding someone to your car insurance, it’s essential to understand the basics of car insurance coverage. Car insurance offers financial protection for vehicle-related physical damage, bodily injury from collisions, and liability stemming from vehicular incidents.

 

Is Adding Someone to Your Car Insurance Possible?

Yes, adding a second driver insurance policy is indeed possible. Insurance companies allow policyholders to add additional drivers to their existing policies, but there are certain considerations and procedures involved in this process.

Adding a Driver vs. Sharing a Policy

It’s essential to distinguish between adding a driver to your policy and sharing a policy with someone else. Adding a driver involves including another individual as a covered driver under your existing car insurance policy. On the other hand, sharing a policy implies having a joint policy with someone else, where both parties are listed as primary drivers and are equally responsible for the policy.

 

Who Can You Add to Your Car Insurance

Generally, you can add various individuals to your car insurance policy, including family members, friends, and even household members. However, the eligibility criteria may vary depending on the insurance provider and the specific terms of your policy. Reviewing your policy documents or consulting with your insurance agent to determine who can be added to your policy is crucial.

How to Add Someone to Your Car Insurance Policy

Adding someone to your car insurance policy typically involves contacting your insurance provider and providing the necessary information about the additional driver. You may need to provide details such as the driver’s name, date of birth, driver’s license number, and driving history. Additionally, depending on your insurer’s policies, additional paperwork or documentation may be required.

 

Once the information is submitted, your insurance provider will assess the risk of adding the new driver to your policy and adjust your premium accordingly. The cost of adding a driver to your policy may vary based on the driver’s age, driving record, and the type of vehicle insured.

Find Affordable Coverage with Active Insurance

Adding someone to your car insurance policy is indeed possible and can be a convenient option in certain situations. Whether you’re adding a family member or a friend, it’s essential to understand the process and the implications involved.

 

Active Insurance is here to ensure adequate coverage and comply with Illinois state law. Contact us, and let us help you get covered.

For years, Pronto Insurance has prioritized every client’s satisfaction. This means working around the clock to ensure they’re cared for, no matter the situation. Unfortunately, it’s not uncommon for some companies to ignore this guiding principle and refuse to abide by their customers’ wishes. This is known as acting in bad faith. So, how will you know if your auto insurance provider does not have your best interests in mind? Recognizing the following signs can help you take appropriate action to protect yourself.
They Don’t Properly Investigate Claims
The claims process can take several weeks to complete. However, insurance companies acting in bad faith will often face unjustified delays. Not surprisingly, these delays often result in financial strain and inconvenience for policyholders. Additionally, an insurer who acts in bad faith may deny a claim without a valid reason.
There is No Proper Communication
The relationship between a client and an insurance company should be built on frequent and effective communication. Your insurance company should keep you informed and updated throughout your claims process. If they consistently ignore your calls or emails or fail to update you on your situation, it may be a sign they’re acting in bad faith.
They Offer Low Settlements
A claim generally concludes when you reach the settlement offer stage. In many cases, settlements are agreed upon by all parties. Sometimes, if a claim is deemed low, clients can dispute by entering into a process in which they can seek a renegotiation. If your settlement is unreasonably low and your insurer refuses to negotiate it somewhat, they could be acting in bad faith.
You Deserve Reliable Coverage
Over the years, Pronto Insurance has built a reputation of trust and reliability and:

-We thoroughly believe that our protection can make a difference in our clients’ lives and work tirelessly to ensure their satisfaction.
-With a focus on accessibility, Pronto Insurance caters to diverse customer needs, offering a range of customizable plans that ensure individuals receive the specific protection they require.
-Pronto’s dedication to customer satisfaction, competitive rates, and a wide network of service locations make it a trusted partner for drivers seeking comprehensive and hassle-free insurance solutions.

Call Pronto Insurance
If you suspect your current insurance company is acting in bad faith, don’t wait for the situation to worsen.

Our insurance agents are ready to speak with you, help you evaluate your needs, and provide the protection you can count on. Contact us today to learn more about how we can make a difference in your life in:

• Renter’s Insurance
• Roadside Assistance
• Motorcycle Insurance
• Homeowners Insurance

Not many of us want to admit it, but getting older can be beautiful. It gives us a new outlook on life and even lets us look back at everything we’ve experienced through a new lens. As you age,
you may even notice your car insurance needs and preferences have evolved.
At Pronto Insurance, your coverage is an evergreen tool that should be reviewed at every stage of life. If you believe your age may impact your coverage requirements and want to make informed decisions about your insurance going forward, consider the following considerations.
Consider Your Driving Habits
Take a moment to consider the way you drive today. There’s a big chance you drive less frequently due to some life changes – perhaps your children are of driving age, or you’ve recently started working from home. If you feel like your annual mileage has decreased, you may be eligible for lower insurance premiums.
Did you know, if you have maintained a clean driving record, you may get discounts that reflect your upstanding driving experience.
Evaluate Your Vehicle and How You Use It
As we mentioned above, you may have arrived at life changes that could change what you drive and how you do so. For instance, you may have recently become an empty nester and have chosen to downsize your vehicle. Or maybe you’ve recently retired and no longer need to commute to work.
These changes can impact your insurance coverage, premiums, and discounts. Contact your insurance company to see if how you drive now translates to savings on your insurance rates.
Take Advantage of All Savings Options
As you age, you may be eligible for discounts only available to mature drivers. Defensive driving course discounts, loyalty savings, and bundled insurance policies could significantly affect your insurance expenses.
Make a habit of reviewing your insurance policy regularly to ensure it meets your current needs. If specific components or your driving habits are no longer helpful, make adjustments that align with changes and positively impact your financial situation.
Pronto Insurance Is Here for You
Whether you’ve been on the road for decades or just set off on your first driving adventures, Pronto Insurance has your back. Our coverage options prioritize your safety, finances, and peace of mind so you can always take to the road with confidence. Contact our insurance agents today to learn more about our services or to request a quote.

A car accident is a stressful and overwhelming situation to live through, especially if substantial damage or physical harm is present. Add to that the process of filing an insurance claim, and the post-accident experience can become even more daunting, especially if you have never filed a claim with your auto insurance provider. Understanding the process can help alleviate some of the stress associated with the experience, and Pronto Insurance is ready to give you the insight you need.

The Crucial First Steps
If you’re ever in an accident, it’s important to remember that there is a specific sequence of steps you must take to increase your chances of reaching a satisfactory outcome. These include:
-Assessing the Damage: Immediately after an accident, you must prioritize safety. Contact law enforcement and wait for them to arrive. Once it’s safe, take plenty of time to assess the
damage to your vehicle and any injuries to yourself or others involved. Remember to take pictures and gather contact information of witnesses who agree to be reached later.
-Contacting Your Insurance Company: Once you’ve assessed damage, it’s time to report the incident to your insurance provider. Remember, this is a crucial step in the process – failing to
contact your insurer promptly could affect your outcome.
-Provide Details: Be prepared to provide details such as the accident's date, time, and location, as well as any relevant documentation, such as the other party’s insurance information and
photos of the scene.

Prepare for the Claims Process
Once you’ve filed a claim, your insurance company will initiate an investigation. It’s important to remember this process is comprehensive and extensive. It can involve gathering statements from
involved parties, assessing damages, and determining fault.
The claims process also requires gathering repair estimates – your insurance provider may ask you to obtain repair estimates from approved mechanics or body shops. Once you’ve delivered these
assessments, your insurer will take time to evaluate your options and determine your coverage based on the policy you’re currently under.
Reaching a Resolution
After completing the investigation and claims processes, your insurance company will deliver a settlement for your claim. In most cases, this can involve covering the costs for repairs, medical
expenses, and other damages as mandated by your existing policy at the time of the crash.
If the settlement is not what you anticipated, remember that most insurance companies allow you to enter into an appeal process where you can dispute their decision by providing evidence that supports your case.

Need Coverage in All Area of Your Life?
Ask us about the different types of insurance we provide. Pronto Insurance can help you with:

-Renter’s Insurance
-Motorcycle Insurance
-Homeowner’s Insurance

Protection You Can Count On
There are no two ways: the insurance claim process can be overwhelming. However, working with your insurance provider should feel like a smooth process. If you’re currently dissatisfied with your insurance provider and want to explore options that prioritize you at all times, Pronto Insurance can help. Contact our experienced insurance agents today to learn more about our products and request a quote.

Rocket Mortgage says spring is traditionally when most houses go up for sale. If you’re a first-time homebuyer looking to take advantage of the early year busy season, prepare for the need for home insurance coverage. At Pronto Insurance, we want you to make the decisions that best fit your needs, so we have a few tips to help you.

Recognize the Factors Affecting Insurance Rates
As you begin your home-buying journey, considering the factors influencing insurance rates is essential. For instance, house location, value, materials used to construct it, and even security features like fences and surveillance systems. Thoroughly identifying and understanding these factors can help you make informed decisions about your coverage as you get closer to making your purchase.

Navigating the Insurance Market
The insurance market is a vast landscape that can often feel overwhelming. With that in mind, you must take the time to compare policies from different insurers. Did you know you can get insurance for:
 Condos
 Renter’s
 Mobile Home
While you may need to focus primarily on premiums, it’s essential to consider coverage limits, deductibles, and the insurer’s reputation for customer service. If you narrow your house options, they may require additional coverage. For instance, if one of your house options is in an area prone to floods, you will likely need flood insurance.

Get Help to Make an Informed Decision
Setting up for the first insurance option you see or failing to evaluate all your options can become a poor decision in the long run. If you want coverage you can count on while maximizing your savings, seek guidance from an experienced insurance agent.  The professional team at Pronto Insurance can help clarify complex insurance jargon and ensure you get coverage that suits your needs.

We Have Your Back
Are you ready to start the new year with a new home? Pronto Insurance is prepared to help you keep it protected. We’ll assist you as you consider all your coverage options and guide you toward the protection that offers everything you need and nothing you don’t. Get in touch with us today for a quote or to learn more.