Rock Chip Claims in Oviedo, FL

Do Rock Chip Claims Increase My Insurance Premiums in Florida?

Our Insurance Agency Weighs In.

Rock Chip Claims in Oviedo, FLWe’ve all seen the tents around claiming, “Free rock chip repair!” but clearly there is a hidden cost somewhere. Sure, the insurance companies will pay the people at the tent to inject an epoxy into the chip in hopes that it doesn’t run and turn into a non-repairable crack. After all, the insurance company clearly sees that $40 is better than the $250 to have the windshield replaced.

So the question is: Can a rock chip claim impact my insurance rates? Short answer is yes, it is possible.

Depending on your insurance company you may upset a delicate balance of claims loss. Most insurance companies use rating factors into their algorithms such as age, zip code and certainly previous losses. Some insurance companies claim that people who turn in multiple glass claims have an overall higher loss rate and cost them more money in future claims. Furthermore, it depends on how many claims you have over a certain period of time. For instance, if you file a theft claim, then you have a rock chip claim the next week, this may flag your policy for filing too many insurance claims over a certain period of time generating a rate increase. This happens because when you stop at a rock chip repair tent they will ask you for your policy number and turn in an insurance claim so they can get paid (if you have comprehensive insurance).

Not all insurance companies do this and telling which ones do and which ones don’t can be very difficult. Trust your local insurance agent to place you in the best place for your insurance needs. If you’re a heavy commuter and typically need a new windshield every year, perhaps your agent can determine what company they offer that is a bit more lenient about this than others. Some companies even offer zero deductible glass replacement. Regardless of your situation, always discuss your insurance options with your licensed insurance agent.

If you have questions about your home, auto, or motorcycle insurance, call us at The Riccard Group. We have years of insurance experience and can help you insure everything from your home to your auto or motorcycle. We live where you do and are an independent insurance agent, so we can help you find the right company to fit your needs. Check out our website, 24/7.

How to Build a Disaster Kit in Oviedo, FL

How to Put Together an At-Home Emergency Kit

Be Prepared with a Custom-Built Supplies Kit.

How to Build a Disaster Kit in Oviedo, FLFall is a great time to consider disaster preparedness and to take a look at your family’s emergency kit. While disasters can happen anywhere, whether natural or man-made, it is important that your family be prepared.

For many, the thought of having a disaster preparedness kit in their home seems silly and unnecessary. The fact of the matter is that every state in our country is susceptible to a natural disaster such as an earthquake, tornado or hurricane, flood or even a volcanic eruption. Preparing for one of these events can be quick and inexpensive, but also a great time to educate your family about safety during one of these events.

The basic home preparedness kit, according to ready.gov should include:

  • Water – 1 gallon per person, per day. Minimum 3 day supply.
  • Food – non-perishable food such as canned tuna, canned fruits & vegetables, nuts, dried fruit, low sodium crackers, soups. Also, dry mixes that do not require refrigeration. Store food in tightly closed containers to extend it’s shelf life and protect from pests. Change food & water supplies every six months to keep fresh supplies.
  • Battery powered radio for emergency information
  • Flashlight with extra sets of batteries. (Consider an LED flashlight that requires much less energy to use)
  • First aid kit
  • Whistle to signal for help
  • Dust masks, plastic sheeting and duct tape to seal off an area from contaminants
  • Moist towelettes for simple hygiene
  • A manual can opener and pocket knife
  • Cell phone w/ solar charger of some sort

Additional items could include prescription medicines, diapers, pet food and blankets. Keep this kit in a designated area where your entire family can easily find it.

If you have questions about your home, auto, or motorcycle insurance, call us at The Riccard Group. We have years of insurance experience and can help you insure everything from your home to your auto or motorcycle. We live where you do and are an independent insurance agent, so we can help you find the right company to fit your needs. Check out our website, 24/7.

Vehicle Recalls in Oviedo, FL

What to Do If Your Vehicle Is Recalled in Oviedo, FL

Your Questions Answered

Vehicle Recalls in Oviedo, FLWhat do I do when my vehicle is recalled?

Vehicles being recalled in the United States is a common problem; in fact, one that happens around the globe, not just here at home. But, what do you do when your vehicle is recalled? Where do you start? How do you know what to do? These are common questions, one that we’ll address today in this post.

Start by Seeing if your Car was Impacted by the Recall

Just because your model year and make was recalled, doesn’t necessarily mean that it will be impacted by the recall. Manufacturers change distributors and parts throughout the year, so the best way to check is to input your VIN. You can check to see if your car was recalled by going to the National Highway Traffic Safety Administrations website. Click on the yellow button that reads “Search for recall by VIN.”

If you’re purchasing a used car, this is also a great place to start to ensure the vehicle you purchased doesn’t have an outstanding recall that you should address before purchasing the vehicle.

You Should Get some Mail

Because you have to register your vehicles, you should receive a notice via mail that your vehicle is likely impacted by a recall. This letter will typically inform you to contact your dealer to schedule a service. In the event the recall is considered very dangerous, the letter may go as far as to tell you to not drive the vehicle any longer.

How Much is a Recall Going to Cost Me?

The great news for consumers is that a safety recall will be fixed free of charge. If you happen to have repaired the affected part prior to the recall occurring, you can ask the manufacturer for reimbursement. Keep in mind though, you will not likely be given a loaner vehicle while the vehicle is being repaired, so plan on being out of the vehicle for a day or so unless the recall is something simple. EX: like a new sticker that replaces one with wrong information. One last thing to note here is that if your vehicle is recalled and you do nothing for 10+ years, the manufacturer will be off the hook to repair after this time.

Is this a Common Problem?

Most all manufacturers experience recalls. In fact, http://edmonds.com reported that over 61 million vehicles were recalled in 2014! While this is a staggering number, this is from all vehicles, not just model year vehicles. So, when GM recalled 7 million vehicles in 2014 for the ignition problem, this was for vehicles manufactured in 1997-2014. So, just because you have an older vehicle, doesn’t mean you won’t be affected by a vehicle recall.

Do All These Recalls mean Vehicles Are Becoming Less Safe?

Quite the contrary! According to the Insurance Institute for Highway Safety improved vehicle design and safety technology have resulted in a steady decline of fatal accidents. In fact, 9 vehicles reported zero fatal accidents in the 2011 calendar year. They also reported that the smaller the vehicle, the higher the risk of fatal accidents. The bigger, typically the less risk.

If you have questions about your home, auto, or motorcycle insurance, call us at The Riccard Group. We have years of insurance experience and can help you insure everything from your home to your auto or motorcycle. We live where you do and are an independent insurance agent, so we can help you find the right company to fit your needs. Check out our website, 24/7.