Mom, Dad, I just Got Into An Accident

HgkyHmioEsXDTN7aWhat Not To Do After An Accident

Auto accidents are no fun.  They cause injury, damage, and a lot of stress.  However, the good news is that if you bought insurance from our agency you have the best possible combination of coverage, price, and service.  You buy auto insurance to protect yourself in the event you are in an accident, and we are here to help you through the claims process.

Over the years, we have seen just about every kind of accident and response. We thought it might be beneficial to talk about what not to do after an accident.

  • Do not get upset or angry. Stay calm and make sure everyone is unhurt.
  • Try not to move the vehicle unless damage is minor and you can exchange information parked on the side of the road.
  • Never accept money from the liable party, rather than filing a claim.
  • Do not leave the scene. Stay on the scene until the matter is settled. In some areas, you may be required to call the police, even for minor incidents. Other times you may just need to file a report later.
  • Never admit an accident was your fault, even if you think it was. An apology can be construed as an admission of fault. Let the authorities determine who was responsible. Auto accidents can be disorienting even if you are not physically injured. You may not be aware of all factors leading up to the crash.
  • Don’t forget to document everything. Take photos and get contact information from all parties involved, including any witnesses.

We are here to help you with your California auto insurance needs. We have access to many insurance products and can provide you with competitive premiums. We offer auto liability, auto collision and auto comprehensive coverage.

At North Bay Insurance Brokers, Inc., we combine premium auto Insurance with personalized service to give you the best coverage possible. Our insurance specialists will work with you one-on-one to find a policy that keeps you and your drivers protected at all costs – for peace-of-mind driving assurance.

 

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Auto Insurance… Up Up And Away

White Car Cornering In Mountain Road With Speed BlurA North Bay Auto Insurance Update

When we speak about insurance, we try to remind people that there are things you can control and things that are out of your control. It is essential to focus your attention on the actions that can help keep your auto insurance premiums as low as possible. These include; driving in a safe manner, keeping your vehicle in good repair, educating your teens through driver education, and using an independent agent to shop your auto insurance.

There are also factors that are out of your control. According to the National Highway Traffic Safety Administration, these are the factors as to why auto insurance premiums are on the rise.

  • An increase in distracted driving accidents. Nine people die every day as a result of distracted driving, and 400,000 are injured annually. At any given time over 600,000 drivers are using mobile devices while they are driving.
  • Advance technology in newer vehicles. The cost to repair newer vehicles has increased due to the advanced technology utilized in newer vehicles.
  • Rising medical costs. Medical cost has increased by 3% in the last five years.
  • There are more vehicles on the road which increase the probability of having accidents.
  • The average cost of vehicle repair has risen by 24% over the past eight years.
  • Weather-related auto accidents cause billions of dollars each year.

There are many things you can do to keep your auto rates at the lowest level possible.

  • Review your deductibles. According to the Insurance Information Institute, raising your deductible from $200 to $500 could reduce your Collision and Comprehensive costs by 15 to 20 percent.
  • Encourage your student driver to get the best grades possible. Most major insurance companies offer a discount for students in good academic standing.
  • Select a safe car. Check out which cars are popular with thieves and avoid them. Also, the more expensive the car, the higher the premiums.
  • Be a safe driver. The more accidents and tickets you have, the higher the premiums will be.
  • Purchase a car with an alarm or LoJack. LoJack® Stolen Vehicle Recovery System provides car owners with peace of mind knowing that if their vehicle is stolen, they have the best chance of getting it back.
  • Be loyal. Many auto insurance companies offer loyalty discounts if you stay with them over time.
  • Check for other auto insurance discounts. These might include taking safe driver courses, senior discounts and more.

We are here to help you with your California auto insurance needs. We have access to many insurance products and can provide you with competitive premiums. We offer auto liability, auto collision and auto comprehensive coverage.

At North Bay Insurance Brokers we combine premium auto Insurance with personalized service to give you the best coverage possible. Our insurance specialists will work with you one-on-one to find a policy that keeps you and your drivers protected at all costs – for peace-of-mind driving assurance.

Hold Your Horses… We Do All The Work!

horse-1006376_1920How To Prepare For A Personal Insurance Quote

We have all heard the advice “knowledge is power,” and in the personal insurance world, this is very true.  The more information we have as your personal insurance agent, the better and more competitively priced your personal insurance will be.  Keep this in mind as you prepare for your agent to quote your personal insurance.

Here Is the Good News

We will do all the heavy lifting for you.  All you need to do is have your information ready to give to your agent.  This may be information you already have at your fingertips, or information that is listed on your current personal insurance policies.  Then, we will do all the rest for you.

Now if you were going to try to apply for insurance online, the process is much more complex.  Not only would you have to know what information you need, but also how and where to use it to obtain the most competitive personal insurance products.

Keys to Getting the Best Price on Your Personal Insurance

Use an independent agent.  An independent agent has a number of advantages going for them.  Find an agent who has experience with the kind of insurance you need.  Your agent should be licensed and have an office you can visit if needed.

Benefits of Independent Agents:

  • They are not employed or controlled by any one insurance company.
  • These agents have access to dozens of markets.
  • They are locally owned; which means they live and work in your community.
  • When you call the office of an independent agent, you can talk to a licensed professional who cares about you.
  • Independent agents are a one-stop-shop for all of your personal insurance needs.
  • You get a choice of products and insurance companies that best suits your needs.
  • They not only find you competitively priced personal insurance, but they also make sure you have coverage that is designed for your individual situation.

Be honest concerning your personal information – Agents are held to strict confidentially standards.  We will never share your personal information with anyone with your permission.

Provide Information to Your Agent

There will be some necessary information needed for your agent to provide options for you. This information will vary based on the kind of personal insurance products you desire. Here are some of the types of information you may need to provide:

Homeowners Insurance

  • Personal information
  • Description of home
  • Any repairs or upgrades
  • Current condition and amenities
  • Age of roof and furnace, etc

Life Insurance

  • Health history
  • Family health history
  • Any illness

Auto Insurance

  • Personal information
  • Driving history
  • Vehicle use and description

Remember, knowledge is power.  Therefore, the more information your agent has the better pricing and coverage they will provide for you.  North Bay Insurance Brokers. is your trusted solution for homeowner’s insurance. We offer coverage options that are both flexible and affordable, and will work with you on an individual basis to find a policy that best suits your needs. Our team is dedicated to providing the assurance that your family and your possessions are secure.

 

“Clark, That There Is my RV”

Motor Home

RV Motor Home Vacation Family Fun wheels tire

North Bay Recreation Vehicles Insurance

If you own a Recreational vehicle, motorcycle or other toys, insurance coverage should be part of your thinking. Remember, they are not automatically covered under your current insurance program. State law requires you to maintain liability coverage on your vehicle. Here is a schedule of insurance coverage you might consider:

Liability Insurance

Liability coverage, also known as “property damage/bodily injury”, can help cover expenses from damaging a vehicle or injuring a person in an accident.

Collision coverage

Collision coverage helps pay for damage to your vehicle if you hit another vehicle, another vehicle hits you, or your vehicle rolls over. Collision coverage can be required if your vehicle is financed or leased.

Comprehensive coverage

Comprehensive insurance helps pay for damage to your vehicle not caused by a collision. Examples include damage or loss due to theft, vandalism, falling objects, fire, storms, and flood.

Uninsured or underinsured coverage

This coverage helps pay for repairs if your RV is damaged in an accident by an underinsured, uninsured, or unidentified driver. It also helps pay medical costs.

Medical payments coverage

Medical payments coverage helps pay medical costs for you and your passengers in the event of an accident, regardless of who is at fault.

Rental reimbursement coverage

This coverage helps pay for your rental car or other transportation if your RV cannot be driven due to an at-fault accident or comprehensive claim. This is really important especially if you are out of town.

Towing and labor coverage

Towing and labor coverage reimburses you for towing charges if an insured vehicle is disabled. It also covers on-site assistance, such as battery jump-start, tire change, and locksmith services. We recommend this on all recreation vehicles.

At North Bay Insurance Brokers, Inc., we combine premium auto Insurance with personalized service to give you the best coverage possible. Our insurance specialists

2018 Personal Insurance Resolutions

design-2711676_640When was the last time you reviewed your personal insurance coverage? The New Year is a great time to review your personal insurance. Most of us know that major life events can make it necessary to update our insurance coverage. But did you know that even subtle changes can have an impact on your financial needs and plans?  Call our office today, and we can help you find the right combination of personal insurance coverage and price.

Personal Insurance

  • Review my insurance to make sure I have the right coverage
  • Take the time to read my insurance policies
  • Does my independent agent have all my correct information, including new phone number, address, and newly purchased property?
  • Make sure I have identity theft insurance
  • Do I have enough life insurance?
  • Do I need life insurance for my spouse?

Other Items To Consider (you may need insurance for some of these)

  • Bought a new car or sold a car
  • Changed your marital status
  • Bought a boat, RV or ATV
  • Change of address
  • Welcomed a new baby into the family
  • Major inheritance
  • Have a new teen driver in the family
  • Child headed off to college
  • Purchased second home
  • Plan foreign travel
  • Started a home based business
  • I now drive my personal car for work

North Bay Insurance Brokers is your trusted solution for homeowner’s insurance. We offer coverage options that are both flexible and affordable, and will work with you on an individual basis to find a policy that best suits your needs. Our team is dedicated to providing the assurance that your family and your possessions are secure.

Our Goal Is To Help You

Confused Way Of A BusinessmanA Business Insurance Update

There are many ways to select a business insurance agent. Some businesses may use the bidding method, where they call many agents and have them “bid” their business insurance. The problem with this is you really don’t know if you are getting equal products. It is almost impossible to compare products “apple to apple.”  The low bid may have limited, or no, coverage in areas in which your business needs coverage.  The best way to select insurance is to find a qualified and experienced agent who knows and understands your industry.  Then, allow that agency to go into the market on your behalf to find you the best possible price and coverage.

How to select an agent?

A qualified agent should help you identify your risks and help you understand what you should insure.  Then the agent should design a coverage plan, and go to the market to negotiate the best possible combination of business coverage, pricing, and service.  Here are a few questions for you to consider using when selecting your agent.

  • “If I had a claim, how would you help me?”
  • “How many years of experience do you have? And your staff?”
  • “When I call the agency with a question, who would I be speaking with?”
  • “May I have three references?”
  • “What ratings do the insurers have that you might use?”
  • “What systems do you have to help manage your business?”
  • “How do you define customer service?”
  • “What is your policy for returning phone calls?”
  • “How long do you usually keep a client?”
  • “What makes you skilled at what you do?”
  • “Do you have any industry awards?”
  • “Will I have to ask for my renewal to be processed?”

North Bay Insurance Brokers provides industry-specific insurance to businesses in Sonoma, Napa, Marin, Santa Rosa, Petaluma, American Canyon, and surrounding areas.

Every industry has specific needs when it comes to insurance. Industry-specific risks make it impossible for insurance companies to lump together one insurance plan for every business. At North Bay Insurance Brokers, we understand that being unique is what makes your business successful across the board. That’s why we provide industry-specific insurance options for businesses of all types.

 

 

Ride Baby Ride… But Call Us First

A Motorcycle Insurance and Safety Update

In 2016, motorcycle crashes claimed the lives of 4,976 people—up 8.3 percent from 4,594 deaths in 2015.  Motorcyclists accounted for 14 percent of all traffic fatalities, 4 percent of all people injured, and 17 percent of all occupant (driver and passenger) fatalities, according to a National Highway Traffic Safety Administration (NHTSA) report.  Summer traditionally sees an increase in motorcycle accidents, primarily due to the increased number of riders on the roads.

Motorcycle Safety Should Be Your Primary Concern

  • With the warmer weather, it is tempting to leave your helmet at home. Please don’t.
  • Always be aware of the weather conditions.
  • Make sure you carry proper reflective gear along with replacement bulbs, and any other basic equipment that can help ensure your visibility.
  • Airbags—Honda Motorcycle Company is the first company to offer the option of an airbag, which is available on one of the most expensive models.

Motorcycle Insurance

According to the Insurance Information Institute, you should have the following coverage’s on your motorcycle.

Liability Coverage

Liability insurance covers bodily injury and property damage that you may cause to other people involved in an accident.  It does not cover you or your motorcycle.

Collision Coverage

Collision insurance covers damage to your motorcycle if you are involved in an accident. Your insurance company pays for damages, minus your deductible, caused when you collide with another vehicle or object. Collision insurance usually covers the book value of the motorcycle before the loss occurred.

Comprehensive Coverage

Comprehensive coverage pays for damages caused by an event other than a collision, such as fire, theft or vandalism. Like collision coverage, your insurance company will pay for damages, minus your deductible, and will cover only the book value of the motorcycle.  Keep in mind most comprehensive and collision coverages will only cover the factory standard parts on your motorcycle.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist (UM/UIM) coverage covers damages to you and/or your property caused by another driver who either does not have insurance (uninsured), or does not have adequate insurance (underinsured).

You buy California auto insurance to protect yourself when you have an accident or claim.  When something bad happens you want your auto insurance company to respond. When it comes to auto insurance, knowledge is power. Here are some facts to help educate you about auto insurance. At North Bay Insurance Brokers, Inc., we combine premium Auto Insurance with personalized service to give you the best coverage possible