Most Common Insurance Claims in the Fall
As the crisp fall air rolls in and the leaves start to change, many of us look forward to cozying up by the fireplace, heading out for scenic drives, and preparing for the upcoming holiday season. However, autumn also brings unique challenges that make proper insurance coverage vital. From weather-related accidents to home safety challenges, we will go over the most common insurance claims that are filed during the fall and how you can make sure you have the needed protection.
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Auto Accidents Due to Changing Weather
Fall introduces a range of weather conditions that can significantly impact road safety. Wet leaves, fog, and early frost can make roads slippery and visibility poor, leading to an uptick in auto accidents. Wet leaves can act like ice on the road, causing vehicles to skid, while early morning frost can catch drivers off-guard, especially on bridges and overpasses.
How to Protect Yourself:
- Make sure your tires are in good condition and check the tread regularly.
- Drive cautiously in wet or foggy conditions, and be especially mindful of deer, which are more active in the fall.
- Keep a safety kit in your car that includes food, water, a blanket, and anything else you may need in an emergency.
- Check that your headlights and windshield wipers are working properly.
In case of an accident, having comprehensive auto insurance can help cover damages to your vehicle, as well as liability coverage for any injuries to other parties.
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Home Safety Issues Related to Fireplaces
As the temperatures drop, many homeowners begin using their fireplaces to keep warm. However, fireplaces that haven’t been properly maintained can lead to house fires, which are one of the most common fall insurance claims. Creosote buildup, a highly flammable byproduct of burning wood, can accumulate in chimneys and pose a significant fire hazard if not cleaned regularly.
How to Protect Yourself:
- Have your chimney professionally inspected and cleaned before using your fireplace for the season.
- Always use a fire screen to keep embers contained and avoid placing flammable items near the fireplace.
- Regularly check your smoke detectors and carbon monoxide detectors.
In addition to these tips and tricks, keep your home covered with home or renter’s insurance.
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Vehicle Theft in Shopping Plazas
As the holiday season approaches, there’s an increase in shopping-related activities, and unfortunately, vehicle thefts tend to rise in shopping plazas. Thieves target cars for valuables left in plain sight or may even steal vehicles themselves during the busy holiday shopping season.
How to Protect Yourself:
- Always lock your car and keep valuables out of sight when parking at shopping centers.
- Consider installing an anti-theft device in your vehicle for added security.
- Comprehensive auto insurance generally covers theft, but it’s important to review your policy to ensure you’re adequately covered for any potential losses.
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How to File an Insurance Claim
Filing an insurance claim involves several key steps to ensure a smooth process. First, contact your insurance provider as soon as possible after the incident to report the claim. Be prepared to provide detailed information, including the date, time, and circumstances of the event, as well as any relevant documents like photos, receipts, or police reports. Your insurance company may send an adjuster to assess the damage or situation. Keep records of all communication and any expenses related to the incident. Once the claim is reviewed, your insurer will determine the amount covered and proceed with compensation according to your policy’s terms.
As we head into the fall season, taking steps to protect your home, vehicle, and safety can help minimize risks. However, if the unexpected happens, knowing your insurance coverage and the claims process will help ensure you’re prepared. Contact us to review and update your current insurance coverage to ensure you’re protected from the most common insurance claims in the fall or jump right into a quote!
