Car Insurance

April Showers Increase Auto Accidents

rain on windshieldApril showers bring May flowers is a term used to illustrate the traditionally rainy period of April, which gives way to May, when flowers will bloom. In addition to May flowers, the increased rainfall has the ability to hinder ones ability to drive. According to the U.S. Department of Transportation, there are around 707,000 automobile crashes each year due to rain. To avoid weather-related auto accidents it is very important to learn how to safely maneuver a vehicle in the rain. This couldn’t be more prominent than in the month of April; when rainfall is very common. To learn how to safely drive in the rain take a look at this article titled, Tips For Driving in the Rain. For additional questions or to receive a Pennsylvania auto insurance quote visit our website, www.kimberleyvassal.com.

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Help Your Vehicle and Home Recover from Winter

Winter_SpringIt’s finally beginning to feel like Spring across the area as the sunshine and warm temperatures begin to grace us with there presence. The beginning of Spring marks the end of the exceptionably harsh winter season much of the East Coast has experienced this year. It’s likely your vehicle as well as your home exhibit some signs of wear following the extreme temperature dips, snow and ice experienced this winter. Luckily, there are a number of helpful steps you can take to better restore them to their pre-winter condition. Take a look at the articles below in order to learn how to help your car and home recover from winter.

Keep in mind, with winter in the rear-view warmer days are soon to come! Let our agency help protect you from the unexpected, contact a Kimberley Vassal Insurance agent today for a Pennsylvania Home, Auto, or Business Insurance Quote, http://www.kimberleyvassal.com.

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Avoid Distractive Driving

Did you know that up to 80% of accidents occur due to a distraction? We all know the immense dangers of texting while driving. However, it’s not the only type of distraction. Take a look at the video below courtesy of one of our insurance carriers, Travelers. To learn more about Travelers Insurance or to receive a free Pennsylvania auto insurance quote visit our website today, http://www.kimberleyvassal.com.

Understanding the Importance of Car Insurance

Driving can be stressful. There’s a lot of pressure on you when you’re handling a vehicle at high speeds next to hundreds of others. That’s one of the reasons we have car insurance: to give us peace of mind that when accidents happen, things can get back to normal quickly.

We try to give you all the tools you need to get back to your normal life as soon as possible. Whether that’s helping you figure out what you need to do right after a crash to untangling complex claims, it’s our job to put the pieces back together.

Contact a Kimberley Vassal Insurance Agent today for a free Pennsylvania car insurance quote, insight into how your rates are calculated, what’s covered, and how to protect yourself better. Visit our website today http://www.kimberleyvassal.com. Stay safe out there!

Texting While Driving Enforced Throughout Pennsylvania

Did you know last year Pennsylvania issued a texting while driving law? According to a recent article reported by by Eric Campbell from http://www.westchester.patch.com:

Texting while drivingThe first year of Pennsylvania’s ban on texting while driving resulted in 1,302 tickets being given statewide, including 49 in Chester County, according to an analysis by AAA Mid-Atlantic. Chester County police issued the seventh-most tickets among Pennsylvania counties. Philadelphia (243) and Montgomery (111) were Nos. 1 and 2. Delaware County police issued 75 tickets, ranking No. 4.

The law took effect March 8, 2012. It made texting while driving a primary offense, which means drivers can be pulled over for it, and it carries a $50 fine. When comparing the ratio of total population to tickets issued, using the 2011 U.S. Census Bureau population estimates, Chester County’s citation rate was slightly below the state average.

Check out the image to the right to see how ticket totals corresponded to populations elsewhere. For more information check out the full article by Eric Campbell over at ww.westchester.patch.com. For a free Pennsylvania auto insurance quote contact a Kimberley Vassal Insurance agent today! http://www.kimberleyvassal.com

 

What to Do After an Auto Accident

You never want to contemplate getting into an accident, but let’s face it car accidents are part of life.  How you react after an accident can make the process of getting back on your feet a lot easier. So keep calm and start picking up the pieces. Here’s a checklist to keep in mind:

  • Get out of the way: If the accident happened in the middle of the street, move to the shoulder or another safe location to check the extent of damages.
  • Check for injuries: Are you okay? Your passengers? The people in the other car? Safety should be your number one priority. If you’re in doubt, call 911.
  • Call the police if necessary: If there are injuries, extensive damage, property damage, or you need help moving your cars out of the roadway, call the police. Afterward, make sure you get a copy of their report.
  • Exchange insurance information: So you can make a claim, make sure you get the other driver’s name, phone number, address, license plate number, make, model and year of the vehicle, and insurance number. No need to discuss who’s at fault in the accident. The claims investigation will clear that up.
  • Document: Take careful note of the scene. If you have a smart phone or camera with you, pictures can be a huge help. If there are witnesses, don’t interview them yourself; just get their name and number.
  • Call your Agent: Call us any time, and we’ll get the ball rolling on your claim right away.

By keeping a calm and following these simple steps, you’ll have a great foundation to a quick, painless auto insurance claim. For a P.A. Auto Insurance quote visit our website today! Or if have any other questions about what to do after an accident contact a Kimberley Vassal Insurance agent today, by phone 800.511.9377 or visit our official website http://www.kimberleyvassal.com!

 

Understanding Home and Auto Insurance

A meteor hits your home. Are you covered? You hit a deer with your car. Covered? While we’re always here to help walk you through the intricacies of your policy, here are some basic rules of thumb about home and auto coverage. Specifics depend on your policy, and please call a Kimberley Vassal Insurance Agent if you have any questions, we are here to help http://www.kimberleyvassal.com

Home Coverage: Home insurance typically falls into two broad categories: coverage for your home itself, and coverage for your possessions. For structural coverage, you’re usually covered for damages caused by fire, wind, hail and lightning, but earthquake and flood insurance must be purchased separately. For your personal property, if your possessions are stolen or damaged by a covered disaster, you’ll typically receive 50-75 percent of your total insurance amount to replace them. Expensive items like fine art or jewelry may require additional coverage.

Auto Coverage: Auto insurance covers a broader set of circumstances, including collision (accidents), comprehensive (damage not caused by an accident, like a rock hitting your windshield or damage from theft), uninsured motorist coverage, property damage coverage (to repair someone’s damaged property, like a light pole or a mailbox), medical coverage (to cover injuries you or your passengers sustained in a collision), and bodily injury liability (to protect you from lawsuits). Seems like a lot? It is!

One of the best things that you can do to protect both your home and your auto is to bundle your coverage. Why? It means that you have one go-to person to explain your insurance questions, and you can save some money as well and let’s face it who doesn’t like to save money? In the meantime, we do hope you’ll call if you have questions about what’s covered in your auto or home policy.