How To Avoid Fraudulent Claims On Auto Insurance

Whenever you are driving in Florida, there is the possibility of getting into a car accident. It may or may not be your fault, but a claim needs to be filed with your auto insurance. There are various ways to ensure that you do not file a fraudulent claim.

First, it is important to know what kind of auto insurance policy you have. When you are in Brandon, FL, you need to have liability insurance, but there may be various other types of coverage that you can have as well, such as comprehensive.

Next, you don’t want to hesitate when calling to file a claim. Most insurance companies will allow you to file the claim online or over the phone. Have as many details as possible, including the names and phone numbers of witnesses, if there were any.

Be available when an insurance claims representative calls to ask additional questions. An insurance company is not going to simply pay out on a claim without doing some kind of investigation. They want to make sure that you are not committing insurance fraud.

Only specify what happened within the car accident that you are calling about. You cannot include additional damage from your car that occurred in previous accidents. Although you may not have filed a claim about those other damages, they cannot be filed within a new claim because that is fraudulent.

Take the time to ask questions about auto insurance, particularly when you are making a claim. Never include details about a past incident, and provide as many details as possible so that you don’t submit a fraudulent claim or have a claim denied.

Let us help with auto insurance in Brandon, FL. Call us at Runnels Insurance today for quotes and more information about a policy.



Home Coverage And Value Determines The Cost Of Insurance

Buying home insurance in Brandon, Florida can be very easy. However, the cost of insurance is going to vary based upon home coverage as well as value. More expensive homes are going to cost more to insure simply because there is a higher replacement rate.

Insurance companies look at what it is going to cost to pay out claims. When the claims are of a higher level, they have to charge a higher premium. This means that it is going to cost more to ensure a $200,000 home versus a $100,000 home. However, it is not going to be double the amount, so this can provide you with peace of mind as you begin shopping for homeowners insurance.

You will have the ability to adjust how much you pay based upon the level of coverage you want on your home. There are plenty of options to explore so that you can decide what kind of coverage you want on your home. You will have the ability to protect your home against fire and smoke damage, theft, floods, storm damage, and much more. Adding additional coverage can save you money by being able to file more claims as opposed to paying out-of-pocket.

By understanding more about your home value and the coverage you want on your home, you have the ability to impact the cost of insurance. Comparisons can be obtained from multiple insurance companies so that you can determine who is going to provide you with the highest level of coverage at the most affordable price.

At Runnels Insurance, we’re here to help with home insurance in Brandon, FL. Call today to get quotes and learn more. We will help you with every aspect to ensure that you get an affordable policy that works within your budget.