Anita

Spring Break Tips

by Anita on March 23, 2016

Are you planning a little spring break travel? With Easter approaching we all want to spend quality time with our loved ones and friends. Here are some helpful tips to decrease your stress.
If you are planning on driving, have your auto mechanic take a look at your tires, wipers, oil and shocks to decrease your risk of having any issues while you are on the road.
Be sure to have your insurance id card, registration and roadside assistance number in your glove compartment if needed.
Make sure your cell phone is charged.
Try not to post too much information on social media about being away or the length you will be gone. It’s hard not to share but it helps to keep your home safe from potential break in’s.
Leave a timed light on in your home or have a neighbor check on your home and take in your mail.
If you are flying be sure to have all important and necessary paperwork together and in an envelope for all who are traveling together.
If you are renting a car, remember your ID card to show to the rental car company for proof of your insurance.
If you are traveling abroad, have your passport in a secure place and ask your hotel/lodging if they provide a safe or safety deposit boxes you may use or rent. You will feel much more relaxed with your important paperwork, money and valuables knowing they are secured.

Leave your travel arrangements with someone that you trust so they know where you are traveling too and where you will be staying.

Lastly, enjoy yourselves wherever your destination is!

 

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AnitaSpring Break Tips

What to do if you have witnessed an auto accident

by Anita on March 16, 2016

If you are ever witness to an auto accident please keep the following tips in mind:
– Pull completely off the road and turn on your emergency flashers.
– Check to see if there are any injured persons. Do not move or touch any injured parties, just try to assess what happened.
– Call 911 and be ready to answer questions and provide as much information as possible. The dispatcher will ask for the location (street, intersection, ramp information). They will also ask how many people need help, such as is anyone bleeding, unconscious or in grave danger.
– If you happen to have a camera or smartphone, take a few pictures. Capture pictures of the vehicles involved, any street or road conditions which may have played a factor in the auto accident. Be prepared to share these pictures with the drivers and law enforcement.
People react differently in emergency situations, but you need to make sure you are smart about how to lend a hand. These tips will help determine what your involvement will be. You can find the official list of obligations and liabilities with being a witness and assisting with an auto accident at www.heartsafeam.com/pages/faq_good_samaritan

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AnitaWhat to do if you have witnessed an auto accident

Spring Home Maintance

by Anita on March 9, 2016

Spring-Cleaning-Outdoor-SpacesIt looks like we can finally talk about spring! It’s time to start looking around our homes to spot any potential dangers or risks that may have occurred during the harsh winter months. Spring home maintenance is an important factor for every home owner. Take a walk around your property and clear any dead trees or limbs and cut trees and shrubs away from siding and roofs. Make sure all foundation and gutter drains are draining properly. Clear gutters of any debris from the fall/winter. Patch any cracks in the driveway and sidewalks. Repair any wind-damaged fences and gates, as well as checking on siding, trim and the roof. Inspect all vents such as attic, whole house and dryer.  Be sure to take a look at your chimney for any falling stucco and have chimney cleaned and creosote build-up removed and have chimney lined if necessary. Make sure the chimney screen cap is still intact.  Check inside for any separation between the fireplace and hearth as well as firebox. This is also a great time of year to change the batteries in your smoke detector as well as carbon monoxide detector. Also check your garage door openers for battery life.  Entry and exit ways to your home should be evaluated for loose handrails, loose screen and storm doors. You want to also check for any air leaks. Look for any broken glass or seals on windows and panes.  Check any steps or decking that could be a fall or tripping hazard.  When reattaching garden hoses check for any leaks from main source and that connections are intact. Any outdoor electrical outlets should be checked by an electrician or with a tester.

 

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AnitaSpring Home Maintance

Does your auto insurance cover your rental car?

by Anita on March 2, 2016

You booked your vacation, planned your itinerary, shopped for clothes and are ready to pack and go. You realize uh-oh we are renting a car…do we have coverage or will it be an unexpected expense to insure the rental? The first step is to contact your insurance agent and discuss your coverages to make sure you have adequate coverage to extend to the rental car. In most cases if you carry comprehensive and liability coverage on your personal car the coverage will extend to the rental car as well. If you are paying for the rental car with a credit card, check with the credit card company to see if they provide secondary coverage in the event there are any gaps in your insurance policy.
The rental company will offer you four main options that in many cases you simply don’t need. Collision Damage Waiver/Loss Damage Waiver is not actually an insurance product but a waiver that transfers the financial responsibility from you to the rental car company if there is damage or theft. If you carry liability coverage on your own vehicle, this is coverage you can decline. Personal effects coverage if you have a homeowners or renters policy your personal items will generally be covered even if they are stolen from the rental car. Personal accident insurance will cover your medical bills in the event of an accident in the rental car. If you have personal injury protection on your auto policy you can decline this coverage. Knowing before you go to the rental car agency what your current auto insurance policy offers, you will save time and grief worrying or deciding what additional insurance you may or may not need.  Be sure to have your current identification card for your vehicle or a picture of it with you when you are ready for the rental car to save time of having to have one faxed over or frantically trying to look it up on the internet. The rental agency will need your policy number and dates of coverage for their records.

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AnitaDoes your auto insurance cover your rental car?

Help! I’ve been in an auto accident, what do I do?

by Anita on February 17, 2016

The unexpected has happened, you have been in an auto accident and you aren’t sure what to do. The following tips will help you during the event you are involved in an accident.

Remain calm, you cannot change what just occurred it’s best to try to think clearly about the auto accident and what just happened. Note the time of day, road conditions, speed and what led to the auto accident.

Check on all drivers and passengers.  Get medical attention for anyone who needs it.  Do not move anyone who requires medical attention.

Call the police if there is a significant amount of injury or property damage.  Ask for a police report and obtain the name and badge numbers of the responding officers.  (Keep in mind in some municipalities police do not respond for auto accidents unless an injury is reported).

Exchange information with all involved parties. Get names, numbers, addresses, drivers’ license numbers, license plate numbers and basic insurance info such as name of provider and policy numbers.

Do not admit fault or apologize for anything (you may be admitting legal liability).  Be cooperative and cordial to all involved. Ask witness what he or she saw. Get their names and numbers if possible.

Take pictures of your vehicle and all other vehicles involved in the auto accident.

Call your insurance company to notify them of the accident. Explain the facts clearly and truthfully. auto accident

If you are injured, keep track of your medical treatment. Request copies of all medical reports and bills.

After the accident has been reported you will contacted by a claims adjuster if you have damage to your vehicle. They will advise you on how and where to get your vehicle fixed.  Keep your adjusters name and phone number handy in the event you need it for medical bills or have any further questions involving your auto claim.

 

 

 

 

 

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AnitaHelp! I’ve been in an auto accident, what do I do?

Do you need car insurance in Philadelphia?

by Anita on February 12, 2016

It is a state law to have car insurance in Philadelphia. By law you are required to carry the following coverage:
Bodily Injury Liability~ the minimum limit is $15,000/$30,000
Medical Benefits~ minimum limit is $5,000 of coverage
Property Damage Liability~ the minimum limit is $5,000
These are the minimums for car insurance in Philadelphia that you must purchase. It makes sense to purchase car insurance based on your financial portfolio. To determine how much car insurance in Philadelphia you should purchase, you want to have coverage equal to your assets.
If you get into an accident or pulled over, a police officer is going to ask you for your license, auto insurance and registration. Not having car insurance can lead to your car being confiscated and with hefty fines attached.
Chances are if you haven’t shopped around for car insurance in Philadelphia lately, you could be pleasantly surprised when you get a quote that will satisfy your financial portfolio as well as your pocket. Insurance companies determine their rates individually. Not all car insurance providers charge the same, that’s where Freedom Insurance Group Inc. comes in handy.  We do the car insurance shopping for you by quoting your needs with 10 A+ rated companies to get you the lowest car insurance premium based on your needs. Honestly, we all want low cost car insurance in Philadelphia, but the key is getting affordable car insurance with the right amount of coverage.  Having the right car insurance agency in Philadelphia like Freedom Insurance Group Inc. will make it easy to get the coverage you need at an affordable rate.  Our licensed agents have the experience to assist you throughout the process of getting a new policy as well as assisting you with any accidents and or claims you may encounter in the future.  We strive to get and keep your car insurance in Philadelphia low.  If you are short on time, you can always request a quote online at www.freedom4insurance.com or call 215-673-0300.

 

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AnitaDo you need car insurance in Philadelphia?

Auto insurance discounts in Philadelphia

by Anita on February 2, 2016

Do you know all of the auto insurance discounts in Philadelphia available to you? We search through the ads in newspapers and online for sales and coupons. Why not approach buying auto insurance in Philadelphia the same way?  We all want to find a good price and sale on the things we purchase, the same auto insurance discounts are also found when shopping for auto insurance at Freedom Insurance Group. Call Freedom Insurance Group at 215-673-0300 to get your free quote and to discuss all the ways you can save money on your auto insurance. Did you know you are eligible for an advanced quote discount, which means you shop for auto insurance before you are picking your new car up or switching you current auto insurance company? You can qualify for a discount if you are purchasing a new vehicle and what the vehicle has to offer in the line of  safety features. Many or most cars have dual airbags, passive restraints, anti-lock brakes and numerous other safety features with the construction of the vehicle. Many companies offer what is called a paperless discount which saves money on postage and to helps the environment by sending correspondence such as bills, reminders and insurance ID cards via email. Your marital status, education level and occupation also offer discounts. Owning a home entitles you to a home owner discount and possibly a bundling discount if your auto and home is insured with the same company. If you have a teen through twenty four year old on your policy who is in good academic standing with a GPA or 3.0 or better also qualifies for a good student discount as well as a discount for driver’s education and road experience education classes.  Your college driver can qualify for an away at school discount if your student attends school over 100 miles away without a vehicle on campus. Our seniors qualify for discounts for completion of safe and defensive drivers courses. Low mileage discounts are available for those drivers who travel less than 7500 miles a year. Prior insurance coverage and length of prior insurance coverage adds up to savings in save moneyyour pocket also.

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AnitaAuto insurance discounts in Philadelphia

Life insurance in Philadelphia

by Anita on January 26, 2016

Life insurance is a topic most of us do not like to discuss. We too often make excuses such as I can’t afford another bill or I’m too old and I won’t pass the health assessment. Life insurance can be used as a death benefit as well as fulfilling a financial obligation. When you call Freedom Insurance Group Inc. we can discuss your individual life insurance needs. We will discuss your expenses and income to account for what your family would need in the event of your death. Funerals generally cost upwards of $5,000.00-$10,000.00. Term life insurance offers a generally less expensive option than whole life insurance premiums. Term life insurance offer death benefit protection for the specified period purchased usually 10,15,20 or 30 years. Freedom Insurance can cater your term life insurance to your specific needs and budget to ensure you have piece of mind knowing your family is protected. Whole life insurance offers confidence with the guarantee it provides such as the premium to remain the same for the life of the policy, regardless of health or age. Guaranteed cash value so that as your cash value increases, tax deferred so that you will have access to your cash through loan and withdrawal options. Many people chose to borrow from their whole life insurance to cover tuition costs or help out with a wedding. Too often, emergencies occur and your whole life insurance can also provide peace of mind knowing you have access to it if needed without going into debt over taking out a loan.  You can work with a knowledgeable agent at Freedom Insurance Group Inc. to discuss your needs not only for life insurance but also for auto, home, recreational and umbrella insurance. You can also read more about life insurance in Philadelphia at www.freedom4insurance.com or call 215-673-0300 to review your life insurance needs.

 

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AnitaLife insurance in Philadelphia

Homeowner insurance in Philadelphia

by Anita on January 18, 2016

Home Insurance

Have you just purchased a home or have your goals set on buying a home in the future? You will spend countless hours looking online as well as in person. You have made your wish list for what you want in a home and look forward to obtaining your dream home. Once you have picked the perfect home for you, there are serious issues you need to face. Beyond the colors on the wall, hardwood vs carpet and when your housewarming party will be, you need to think about home insurance.
Home insurance is the one way you can protect your home from the mishaps that could potentially happen. You want to assess your assets and protect them by buying homeowners insurance. You want to consider what would happen if you had an unfortunate situation occur within or outsideThe Greenwich | McBride & Son Homes of your home and protect yourself. Home insurance is based on the amount your home would cost to rebuild if needed. This is called the dwelling amount. The dwelling amount for home insurance is set by a universal builders code that calculates how much your home would cost to rebuild. It takes the present day cost of building materials and labor to restore your home. The market value of your home takes into consideration the current prices homes in your general area are sold for based on the neighborhood and what the home offers.
Home insurance covers the ut-oh moments in the home such as a leaking or broken pipe. If someone happens to get injured in or on your property you would be covered. Your personal items would also be covered in the event you had your home broken into. You need to take a personal inventory of any valuable items you have so you would know how much coverage you would need in the event you had to replace them. You also take into account your furniture, clothing and personal belongings along with any electronics you own. Let Freedom Insurance Group help your homeowner dream come true. www.freedom4insurance.com or call 215-673-0300

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AnitaHomeowner insurance in Philadelphia

Must have items in your auto emergency kit

by Anita on January 12, 2016

Are you prepared for a traffic snafu or being stuck in your auto due to bad weather? Here is a list of helpful items to keep in your auto to be prepared for an emergency.
1. What would we do without our cell phones? Be sure to have a car charger for your auto in the case that your phone battery dies. You can choose between a precharged or one your can plug into your auto’s cigarette lighter. With your cell phone you can easily contact your roadside assistance company.
2. A flashlight in your auto glove compartment is a must have in the event your car is broken down, you can place it on top of the auto’s roof to alert others your car is in distress. You of course can use it to light the roadway if you have to open your auto’s trunk or walk on the roadway.
3. Spare tires are sometimes too easy to forget about checking to make sure you  have one for your auto. Even if you have roadside assistance on your auto insurance policy, it is in your best interest to have one handy.
4. Extra fuses help when your tail light or brake light as well as turning signals are broken on your auto. Having them available just may even deter you from getting a ticket.
5. Nonperishable food and water is not only helpful in the case of an auto emergency it also helps for those unexpected days or nights when we are running around and on the go. An extra sweater or blanket can help on those bitter cold days.
6. An auto first aid kit which can benefit you as well as passengers and people you may come into contact with.
Most importantly, your safety is key and these items may seem like overkill but if needed you know you have everything you may need at your fingertips.

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AnitaMust have items in your auto emergency kit