Insurance claims

The following blog posts have the category Insurance claims

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What To Do After An Auto Accident

You felt a bump, a crash, a thump. What do you do next?

You Were In A Car Accident, Now What?

Home Inventory Suggestions

Download Home Inventory Worksheet (Excel) Keeping a home inventory is an important exercise that aids you in three ways:

What To Do If You Are In A Car Accident

What should you do after a car accident?

What Does No-Fault Insurance Mean?

You may have heard the term "No-Fault insurance", or perhaps you live or have been in an auto accident in a state where the No-Fault law applies. What does this term actually mean? No-Fault insurance means that your own auto insurance carrier takes care of costs that were incurred as a result of an injury sustained in an auto accident (e.g., medical bills, wage loss, replacement services claims). Your insurance carrier pays the benefits without regard as to who may be at fault for the accident.

Top 5 Dangers to Your House

There are many common myths about potential dangers in and around the home that can keep some homeowners up at night. However, the gap between myth and fact can make all the difference when it comes to reducing risk in your house. So what does the data tell us are the biggest risks to your home?

What Happens If I'm in an Auto Accident and My Story Doesn't Match the Other Driver's Story?

Stories are great. Mismatching stories after an auto accident, however, can be problematic. What happens if your story conflicts with the other driver's story? Auto accidents are often quick and stressful, and it is common for drivers to remember events differently. Here are some tips to help make sure your account of the accident makes sense and you are able to accurately explain what happened:

Checklist for Home Insurance

Did you know that one in 15 insured homes has a claim each year?

Insurance to Cover Hail Damage

The wind and rain from spring and summer storms can cause all kinds of damage. But what often packs the biggest punch are the hailstones! These little ice balls, formed as raindrops are blown back into the upper atmosphere by strong winds, can cause serious damage to a vehicle. The National Storm Damage Center estimates damages caused annually in the United States to home, buildings, cars, businesses and crops to be around $1 billion!

Collector Cars: Agreed Value vs. Stated Amount Insurance

Eric Rongstad

What does Uninsured Motorist and Underinsured Motorist Mean?

When reviewing your Personal Auto insurance policy documents, you may come across the terms "Uninsured Motorist coverage" and "Underinsured Motorist coverage". You may wonder, what do these coverages provide? In certain situations, Uninsured Motorist coverage and Underinsured Motorist coverage provide protection for you if you are in an accident with another driver who doesn't have adequate insurance:

What is the Difference between Actual Cash Value and Replacement Cost?

Actual Cash Value vs Replacement Cost

How do I Find a Reliable Contractor After a Loss?

Have you ever heard a knock at your door after a large storm and found a contractor trying to sell you their services? These storm-chasing solicitors are fairly common, but they may not be the most reliable. While it may seem convenient to hire one of these contractors at the time, if you're not careful, you may find yourself in a binding contract with a large cancellation fee.

What to Expect When your Car is Totaled

In car accidents both severe and less so, the vehicle(s) involved may be deemed damaged beyond repair. This is when your insurance company calls with the unfortunate news that your vehicle has been declared a total loss. But, what happens between the accident and that phone call to determine whether a vehicle's next stop is the repair shop or the junk yard?

Home Inventory Suggestions

It is a good idea to take an inventory of your personal possessions, at least annually. Keeping a current inventory benefits you in three ways:

Avoiding/Minimizing Deer-Related Crashes

Cars and deer can be a lethal combination. Deer migration and mating season generally runs from October through December, and causes a dramatic increase in the movement of the deer population. As a result, more deer-vehicle collisions occur in this period than at any other time of year, so drivers need to be especially cautious, according to the Insurance Information Institute (I.I.I.).

6 Ways to Protect Yourself Against Auto Theft

Even though Rongstad Insurance Services will be there to respond to your auto theft claim, having your vehicle (or your personal property inside) stolen is never fun. That's why it's important to remember a few simple theft prevention rules like these listed below:

Storm Warnings: Did a storm trash your roof or damage your house?

After your home is damaged by wind, hail, or other natural elements, the storm isn't necessarily over; in fact, it might be just the beginning. Here's what you need to know about the storm-induced insurance process from diagnosing the damage to filing a claim and making repairs so that weathering your home's recovery is as painless as possible.

Preventing Water Damage in Your Home

Eric Rongstad

After damage caused by wind & hail, one of the most common causes of insured losses to homes is damage by water escaping from your plumbing system or appliances.
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