Insurance Consumer

Insurance Consumer

What’s in your trunk?

Winter is here and that means cold and snow. It also means that it’s time to think about the junk in your trunk. Spend a few minutes to clean out your trunk and replace unnecessary items with things you might need in the event of a roadside emergency.

Below is a list of items to consider as part of your emergency gear:

Steer clear – Watch out for wildlife collisions

Many hunters have wild game in their crosshairs this fall. But even if you don't participate in this sport, you should set your sights on safety when you get behind the wheel of a car. More deer accidents occur in the U.S. in October and November than the rest of the year. The National Highway Safety Administration (NHSA) reports there are about 1.5 million annual deer-related auto accidents. Vehicle collisions with deer and other animals can be costly and dangerous. To help you stay safe this fall, follow these tips from the National Association of Insurance Commissioners (NAIC).

There is always a chance for a collision with wildlife such as deer, moose, raccoons, birds, and even bears but from now through mid-December – Vermont’s deer seasons – the herds are especially active, which increases the risk of hitting an animal with your vehicle. Before a collision occurs, make sure you're protected with the right type of insurance and understand how to avoid animal accidents. (For more information on the various hunting seasons in Vermont, check out the Vermont Department of Fish and Wildlife: http://www.vtfishandwildlife.com/cms/One.aspx?portalId=73163&pageId=83790)
Are You Covered?

Questions about Flood Insurance Claims?

Flood insurance is administered by the federal government’s National Flood Insurance Program (NFIP)  not under homeowners’ insurance policies.  These claims can be complicated and policyholders may have questions in the days and weeks following a flood event. The NFIP call center is reachable at 1-800-621-3362, and will operate from 8 a.m. to 6 p.m. (CDT) Monday through Friday. Specialists will be available to assist policyholders with the servicing of their claims, provide general information regarding their policies, and/or offer technical assistance to aid in recovery.

The FEMA National Flood Insurance Program

Know Your Insurance Policy During Hail Damage Season

FAQ’s ON HAIL DAMAGE TO YOUR VEHICLE:

Do I Have Hail Damage Coverage on my Car?
Hail and windstorm damage is covered on your car if you have already purchased comprehensive coverage on your damaged vehicle before the damage occurred.
Will I Have to Pay a Deductible for Hail Damage?

Recent service provider mailings on sewer and water line failures.

If you have received a notice offering protection against sewer or water line failures, it is important to note that the service being offered is not an insurance coverage. The Department of Insurance does not regulate these service providers. With any warranty or service program consumers should learn what is and is not covered and what exceptions apply. Consumers are advised to research the offering thoroughly before they purchase it to ensure it is appropriate and suitable for their needs.

 

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