Month: October 2019

The importance of a home inventory

Posted on by AgentInsure

Your home is your castle and if your castle is like most castles, it is full of things. More than just furniture, appliances and decor. Years of accumulated memories fill closets and attics and trying to remember everything that you possess may really be mission impossible. That is where a home inventory comes in, it can be the difference between getting the most from your home insurance and having many of your possessions lost forever. The residents of Matthews, NC have the JC Demo Insurance Group to turn to when they have questions about the importance of a home inventory. 

A home inventory takes time to create. It is a record of every room in your home. In reality, it is not just the rooms but the closets, cupboards, drawers, attic and basement. It must be detailed and if you can include sales receipts especially for the big-ticket items that is the best option. For jewelry, getting an appraisal is the best way to get the true value of your items and of course, if they are especially expensive you will need to cover them with a rider. In addition to writing down all the items in each room, taking pictures is a good way to document everything. 

After you have gone to all the trouble of creating a home inventory, you need to keep it in a safe place. Away from the home is ideal but if you don’t have a safety deposit box, you should at the very least make sure that it is stored in a fire and waterproof box to protect it from whatever happens. 

To find out the importance of a home inventory, stop by the office of JC Demo Insurance Group in Matthews, NC and talk to one of their experienced agents. If your home is damaged, an inventory can make replacement of your possession much easier. 

 

 

What to Do If You Have a Car Accident

Posted on by AgentInsure

Accidents happen, even to those who are excellent drivers. When you know what to do if you have a car accident, you can avoid expensive errors. Here are five things to remember if you have an accident in Matthews, NC from JC Demo Insurance Group. 

1. Move Your Car

If your car is drivable, do your best to get it off to the side of the road so you can avoid blocking traffic as much as possible. If you can get out of your car and you see that other people in the accident need help, do what you can to help them. If you can’t move your vehicle and no one is in need of assistance, stay in the car with your seat belt on to keep yourself safe from other motorists

2.  Call the Police

Your insurance company will probably want a police report to make a claim. Even if no one is hurt, call the non-emergency police number to have a police report filed. 

3. Exchange Information

You and the other driver should exchange information. You can let the other driver know your name and phone number, the name of your insurance company and your policy number. You should also jot down a brief description of the other car involved in the accident, its license plate number, the exact street address where the accident occurred, and any names and phone numbers of potential witnesses in the vicinity.  

4. Cooperate with the Police

Answer the questions that the police have and let them have your personal information as well. Do not necessarily accept blame for the accident.  Just tell the officer what occurred, and let him draw his own conclusions. 

5. Report the Accident to Your Insurance Company

After you have finished the paperwork and the officer releases you to leave the scene, you will want to call your insurance company to let them know about the wreck. They will tell you what your next steps should be. Often, they will have the numbers of preferred repair shops and tow truck companies to help you out. Your insurance agent can help you through this process, so be sure to write down what you need to do while you are on the phone. 

Car accidents are inconvenient, but having a good insurance agent can help expedite the process and get you back on the road in your vehicle. If you need insurance in the Matthews, NC area, contact JC Demo Insurance Group today.