Chesterfield Virginia Traffic Violations May Increase Your Insurance Cost

Chesterfield Virginia Traffic Violations?

The Insurance Advisor® of Chesterfield may be able to help. You Could Save Money on Your Auto Insurance.Virginia_traffic violation points_05-23-14

Virginia law allows the Department of Revenue’s (DOR) Driver Licensing Division to suspend your license, if you accumulate too many points on your driving record.  Yes, Chesterfield Virginia Traffic Violations may increase your insurance cost.  If you have been found guilty of traffic violations, you have “earned” points on your driving record — the amount of points earned is based on the severity of the offense and the more points you gain, the worse the driving record.

Driving record point accumulation for Traffic Violations is a serious matter.

  • Receive 4 or more points in a 12-month period; you will receive a warning letter from the Driver Licensing Division stating that you are in danger of losing your driving privileges.
  •  If you receive 8 or more points in an 18-month period, your driver’s license will be suspended for 30 days.
  • If you’ve previously had your license suspended for accumulating too many points, you’ll lose your driving privileges for 60 days on the 2nd suspension, 90 days on any subsequent suspensions.
  • 12 or more points in 12 months, 18 or more points in 24 months, or 24 or more points in 36 months, your Virginia driver’s license will be revoked for 1 year.

If you have recently received a Chesterfield Virginia traffic violation, The Insurance Advisor® of Chesterfield suggests calculating your points and getting a copy of your driver’s record. Most of the information contained in Virginia’s vehicle law is summarized in state’s driver handbook or on the Virginia Department of Revenue website.  This information could be helpful to you if:

  • You received a traffic ticket, but you don’t believe you are guilty of the offense.
  • Your license was suspended and you plan to appeal the decision.
  • You were involved in a motor vehicle accident and plan to file a personal injury lawsuit.
  • You’re a new state resident who is curious about the difference between Virginia laws and the regulations of your home state.

Chesterfield Traffic Violations Impact on Insurance Rates by The Insurance Advisor® of Chesterfield | (804) 638-9024You cannot drive while your license is suspended, unless you’ve applied for a limited driving privilege permit.  If granted, the privilege permit allows you to drive in certain pre-approved situations; such as work, school or required doctor appointments.  However, if you have specific types of convictions or administrative actions on your driver record, you may not be eligible to receive a driving privilege permit.

Check Your Driver’s License Status by ordering a driving record report.  This report will provide details of your Virginia traffic violations, driving history, points against your license, information on accidents you may have had and whether your driver’s license is in good status. Should your license have been revoked or suspended, the report will indicate that according to what’s on record at the DOR.

The less points on your driving record, the less your insurance will cost you!  For a complete listing of Virginia’s point system, visit www.dmv.org or to find out how many points you have on your driving record, call (573) 526-2407.

_____________________________________

Why Choose The Insurance Advisor?

The Insurance Advisor® of Chesterfield opened in 2002.  With a combined experience of over 60 years in the insurance industry, our agents are knowledgeable and competent specializing in automobile, homeowners, renters, boat, motorcycle, commercial automobile, workers compensation, and general liability.  We proudly serve all of St. Louis and Jefferson counties including Chesterfield, High Ridge, Arnold, Imperial, Valley Park, Ballwin, Wildwood, Eureka, Pacific, House Springs, Hillsboro, Sunset Hills, Crestwood, Manchester, and St. Clair.

The Insurance Advisor® of Chesterfield represents many of the industry’s premier national and regional insurance companies offering competitive rates through Travelers, Safeco, EMC, Kemper Preferred, Progressive, The Hartford, West Bend, Chubb and many more.

For our clients’ convenience, our Insurance Agents are available for after hours appointments and Saturdays. Our normal office hours are Monday – Friday from 9 to 5 (don’t be surprised to find us here much later or on weekends).  We are dedicated to providing the most exceptional and timely customer service in the industry.

For Your Business

Our Business offerings include insurance products and risk management services–we are your full service insurance solution–from commercial property and casualty to employee benefits–we have you covered.  There is no need to have multiple agencies to provide the coverages and services for your business.

For Your Personal Life

Our Personal Insurance and Financial Services offerings also include insurance products and risk management services–we are your full service insurance solution–from auto, home, boat, RV, motorcycle, and power sports to health, life, and fixed annuities–we have you covered.  There is no need to have multiple agencies to provide the insurance coverages and financial services for your personal needs.

The Best Value and Customer Service 

We combine years of experience and top-rated companies and products to provide exceptional service and value to our clients.  Our trained, professional staff will do the research, analysis, and shopping for you.  You save time and money and get the best value for the insurance and services you need.

Call, request a quote by email, or visit us at our office today for a free, no obligation risk assessment and quote.  Let us do the research and find the best value for the Chesterfield Virginia Auto Insurance you need.

What To Do After An Auto Accident | Chesterfield MO

What To Do After An Auto Accident

With millions of cars populating our roads and numerous pedestrians crossing busy intersections, car accidents frequent our streets. For those who have never been involved in a car accident, it can be a scary situation. Most people are not cure what to do after an auto accident.  Some accidents may involve multiple vehicles and a variety of eye witness accounts. Thus, it may be difficult to distinguish who should be held liable for the accident.

What to do when you have a car accident | The Insurance Advisor Chesterfield MO

To best resolve the situation, it is imperative to take the effective steps moments after a car accident occurs. Sometimes the chaos of the accident may leave drivers feeling confused. Do not let these emotions affect your decision making skills. Follow these important steps:

  1. Contact the police, or dial 911 if needed.
  2. Exit the vehicle once you know it is safe. Many people exit their vehicles too early and end up being injured by another motorist.
  3. Stay at the scene in a safe place.
  4. Exchange information with the other drivers. (name, contact information, and insurance information)
  5. Contact your agent at The Insurance Advisor® of Chesterfield
  6. Do not admit fault! 

 

 

Law enforcement will make a report of everyone involved and what happened. Do not admit fault or guilt to the other drivers or police officers. You do not want to be held liable for damages that you did not cause. Additional information may be necessary to collect if there are major injuries and/or a fatality. However, do not get involved with the investigation; rather take notes for your own records. The police report and/or investigation should reflect the following information:

  • Names, phone numbers, addresses and e-mail addresses of all potential witnesses and occupants, including the number of occupants in the other car(s).
  • Location (intersection/address/exit number).
  • Company name, policy number and phone number for other insurance companies.
  • The color, make, and model of the other vehicles involved. Take pictures of your vehicle and the other vehicles involved.  Damage (vehicles and/or property)
  • Accident scene (road conditions/skid marks/debris in roadway/vehicle positions)
  • Accident scene location identifiers (intersection/address/exit number)
  • Identification (clear photos of insurance cards, license plates, etc.)

And finally, contact your The Insurance Advisor® of Chesterfield Agent after an auto accident, provide as many details as possible and file your claim.

Common Causes of Car Accidents

Car accidents can occur for numerous reasons. In many instances, a car accident takes place due to reckless driving. It is estimated that every half hour, someone in this country dies in a crash involving alcohol. It is absolutely crucial to practice safe driving and avoid these practices in order to protect your own safety and the safety of other drivers on the road.  Many of driving practices can cause an accident because it is unsafe for other drivers. Reckless driving includes:

  • Driving under the influence of alcohol or drugs. Driving drunk illustrates reckless conduct and a disregard for public safety.
  • Speeding- either driving faster than the legal limit or driving faster than what is safe for current conditions.
  • Improper lane changing. Weaving in out and of traffic and cutting other drivers off, failing to see signal when changing lanes.
  • Improper passing. Using an emergency lane to pass another vehicle or passing another vehicle by using the shoulder.

Negligence Shown by another Driver  

If you have been injured in an automobile accident you can seek damages from the other driver is they were acting negligently. To act negligently is to act without reasonable care. Failing to practice reasonable care is considered unlawful and negligent.  Personal injury lawyers will guide you through litigation to help you get reimbursed for damages.

 


Why Choose  The Insurance Advisor® of Chesterfield?

We’re committed to outstanding customer service

We start by offering the best insurance products at a reasonable price. But it’s the The Insurance Advisor® of Chesterfield team that really set us apart from the competition. With combined experience of 60 years, our sales and support staff members can handle your transactions quickly and efficiently. We service each and every account using out team of insurance professionals and we’re always available to answer your questions.

We’re committed to professionalism

Our dedication to client service comes from a culture of professionalism and respect. All of our associates at The Insurance Advisor® of Chesterfield have strong credentials and all of our policies are presented to you in a consistent and professional manner.

We’re committed to solving problems quickly

The Insurance Advisor® of Chesterfield has unique industry relationships, allowing us to provide exclusive insurance solutions to our customers. Additionally, every staff member is trained to actively listen and provide helpful answers presented in a way in which our policy holders clearly understand.

We’re committed to earning and maintaining your trust

We believe trust is something earned by listening to our customers while providing helpful advice and support. Trust and consistent underwriting practices is what we expect from our carrier partners, and in return we owe the same level of service to you.

 

Awarded “Best of Richmond Insurance Company 2015”

The Insurance Advisor is Awarded "Best of Richmond" for the Insurance Category. The Insurance Advisor, LLC is the “Best of Richmond Insurance Company 2015” award recipient for the Richmond Insurance Company category.  This makes the third year in a row (2013, 2014, & 2015) of winning this Richmond Insurance Company award, thanks to our clients, carriers, service providers, Smart Choice, and associates!!

The Richmond Award Program is an annual awards program honoring the achievements and accomplishments of local businesses throughout the area. Recognition is given to those companies that have shown the ability to use their best practices and implemented programs to generate competitive advantages and long-term value.

Each year, the Richmond Award Program identifies companies that we believe have achieved exceptional marketing success in their local community and business category. These are local companies that enhance the positive image of small business through service to their customers and our community. These exceptional companies help make the area a great place to live, work and play.

Why Choose The Insurance Advisor?

For our clients’ convenience, our Agents are available in and out of the office and during non office hours.  Yes,  we give our clients our cell phone numbers. We also answer our office phone–no multi-layered prompts.  We are dedicated to providing the most exceptional and timely customer service in the industry.

And, we have been awarded “Best of Richmond Insurance Company” for two consecutive years!  The Insurance Advisor provides insurance products and services for all areas of Virginia, including  Henrico, Midlothian, Manchester, Chesterfield, Chester, North Chesterfield, Colonial Heights, Prince George, Dinwiddie, Hopewell, Sussex, Richmond Virginia and surround areas.

A few Companies we represent include:  AIC,  Allied,  Anthem,  Arrowhead,  Augusta Mutual,  Blue Cross Blue Shield,  BTIS, CNA,  Dairyland,  Donegal,  Encompass,  Foremost,  Grange,  Hagerty,  Humana;  Kemper,  Main Street,  Lincoln Financial,  Mercury,  MetLife Auto & Home,  Mutual of Omaha,  Safeco,  Starr Dovetail,  The Hartford, The Tower Group,  Titan,  Travelers,  Zurich, and many more.

Assess Risks    Shop Companies    Save Money
“We Do The Shopping For You”

 

The Insurance Advisor Represents many Top-Rated Insurance Companies (804) 638-9024

 

Insurance For Your Business

Our Business offerings include insurance products and risk management services–we are your full service insurance solution–from commercial property and casualty to employee benefits–we have you covered.  There is no need to have multiple agencies to provide the coverages and services for your business.

 

Insurance For Your Personal Life

Our Personal Insurance and Financial Services offerings also include insurance products and risk management services–we are your full service insurance solution–from auto, home, boat, RV, motorcycle, and power sports to health, life, and fixed annuities–we have you covered.  There is no need to have multiple agencies to provide the insurance coverages and financial services for your personal needs.

 

The Best Value and Customer Service

We combine years of experience and top-rated companies and products to provide exceptional service and value to our clients.  Our trained, professional staff will do the research, analysis, and shopping for you.  You save time and money and get the best value for the insurance and financial services you need.

Call, request a quote by email, or visit us at our office today for a free, no obligation risk assessment and quote.  Let us do the research and find the best value for the Insurance you need.

Virginia Auto Insurance: The Insurance Advisor® of Chesterfield

 

Virginia Automobile Insurance by The Insurance Advisor® of Chesterfield  (804) 638-9024A Virginia Auto Insurance Policy is a legal contract that protects your financial well being if you should have an accident. Although it is not required by federal law, the purchase of auto insurance is generally required in most states.  Regardless of the law, it is wise to have a Virginia auto insurance policy to avoid potential costly lawsuits or immense repair bills.

Since Auto Insurance is regulated by State Laws, it is important to know the Virginia Auto Insurance laws; and they are the same in all cities and towns.  Thus, Chesterfield Auto Insurance is the same as High Ridge Auto Insurance, Arnold Auto InsuranceSunset Hills Auto Insurance, and so on.

 

Auto insurance policies generally have the following types of coverage. While some of these types of coverage are required by state law, some are considered optional.

  1. Bodily injury liability
  2. Property damage liability
  3. Medical payments or Personal Injury Protection (PIP)
  4. Collision
  5. Comprehensive
  6. Uninsured/Underinsured motorists coverage
  7. Towing or Roadside Assistance
  8. Rental Reimbursement
  9. Glass breakage

Liability Insurance

Liability insurance (both bodily injury and property damage) is the foundation of most auto insurance policies. Almost every state that requires auto insurance mandates the purchase of Property Damage and Bodily Injury liability coverages.  If you are at fault in an auto accident, your liability coverage will pay the covered liability expenses up to the policy limit for  bodily injury, property damage, and any legal bills. The bodily injury coverage would pay for medical bills and lost wages; the property damage coverage would pay for any property of others that was damaged.

If you own a home and have nest egg and a savings account, you should consider more liability insurance because, in most states, drivers are allowed to sue other drivers who injure them in car accidents. If you’re sued and your liability insurance doesn’t pay for all of the damages, your personal finances are on the hook, and it’s likely you’ll become a target.

Bodily Injury Liability Insurance

The bodily injury liability insurance coverage pays for medical bills and lost wages of others.  If you are determined to be at fault, this coverage will pay up to the policy limits.  Again, it is wise to purchase more than the Virginia state minimum limits ($25,000 per person and no more than $50,000 total for all the persons in the accident).  Severe injuries can costs hundreds of thousands of dollars for just one person; not including lost of wages, and pain and suffering.  As with Property Damage Liability Insurance, it’s a good idea to buy more than the Virginia minimum Bodily Injury Insurance limits. 

Important Point:  Although purchasing only the minimum State required Bodily Injury Insurance limits can get you a cheaper auto insurance rate, if you cause a serious accident, you are likely to have inadequate coverage.  Many vehicles today have a much higher value than the Virginia minimum Property Damage Liability limits of $10,000.  You would be responsible for any amount of property damage over the minimum limits, if that is the coverage you purchased.  Multiple persons with severe injuries can each have damages of hundreds of thousands of dollars or more.  That’s why it is important to buy more than the Virginia minimum Bodily Injury Insurance limits.

Property Damage Liability Insurance

Property Damage Liability coverage pays for the repair or replacement of property damaged other than your own car, such as lamp poles, fences, buildings, or anything else that your car may have damaged.   If you are determined to be at fault, this coverage will pay up to the policy limits.  Again, it is wise to purchase more than the Virginia state minimum limits of $10,000.   As with Bodily Injury Liability Insurance, it’s a good idea to buy more than the Virginia minimum Bodily Injury Insurance limits. 

Important Point:  Although buying only the minimum State required limits can get you a cheaper auto insurance rate, if you cause a serious accident, minimum insurance may not cover you adequately.  Many vehicles today have a much higher value than the Virginia minimum Property Damage Liability limits of $10,000.  You would be responsible for any amount of property damage over the $10,000 minimum limit, if that is the coverage you purchased.  Multiple vehicle accidents or Tractor Trailer Trucks loaded with cargo can have damages of $250,000 or more.  That’s why it’s a good idea to buy more than the Virginia minimum Property Damage Insurance limits.

Collision Coverage

If you cause an accident, collision coverage will pay to repair your vehicle. You usually can’t collect any more than the actual cash value of your car, which is not the same as the car’s replacement cost. Collision coverage is normally the most expensive component of your car insurance rate. By choosing a higher deductible, say $500 or $1,000, you can keep your premium costs down. However, keep in mind that you must pay the amount of your deductible before the insurance company kicks in any money after an accident.

Insurance companies often will “total” your car if the repair costs exceed a certain percentage of the car’s worth. The critical damage point varies from company to company, from 55 percent to 90 percent.

Comprehensive Coverage

Comprehensive coverage will pay for damages to your car that weren’t caused by an auto accident: Damages from theft, fire, vandalism, natural disasters, or hitting a deer all qualify. Comprehensive coverage also comes with a deductible and your insurer will only pay as much as the car was worth when it got wrecked.

Because insurance companies normally will not pay you more than your car’s book value, it’s helpful if you have a rough idea of this amount. Check the Kelley Blue Book or the National Automobile Dealers Association. If your car is worth less than what you’re paying for the coverage, you’re better off not having it.

Neither collision nor comprehension insurance is required by any of the states, but some lenders, when the owner finances the car, may require the purchase of collision and comprehensive in the loan agreement. Even when it is not required, collision and comprehensive coverage is highly recommended by the insurance industry, so that in the unforeseen event of damage or theft, the owner of the car can avoid heavy bills. Theft of cars is not as unusual as some people may think. In 2004, a car was stolen in the United States every 26 seconds, and a car had a 1 in 190 chance of being stolen.

Medical Payments (MedPay) Coverage

Medical payments (MedPay) coverage will pay for your and your passengers’ medical expenses after an accident. These expenses can arise from accidents while you’re driving your car, someone else’s car (with their permission), and injuries you or your family members incur when you’re pedestrians. The coverage will pay regardless of who is at fault, but if someone else is liable, your insurer may seek to recoup the expenses from him or her.

Personal Injury Protection (PIP)

Personal Injury Protection (PIP) coverage is an extended form of MedPay. PIP may cover expenses that are related to injury, but not necessarily medical, such as lost wages, childcare and funeral costs. PIP coverage is currently required by sixteen states. If you are already insured under a good health insurance policy, then fortunately, there is no need to buy more than the minimum required amount of PIP or MedPay insurance.  If you have a good health insurance plan, there might be little need to buy more than the minimum required PIP or MedPay coverages, if at all. And, if you already have disability insurance, there’s little reason to purchase higher-than-minimum amounts of PIP.

Uninsured Motorists (UM) Coverage

Uninsured motorists (UM) coverage pays for your injuries if you’re hit by a hit-and-run driver or someone who doesn’t have auto insurance. It’s wise to have the same limits for UM/UIM as you have for bodily injury liability. UM/UIM covers damages to you and your property. It pays for your injuries and, in some policies, damage to your car, if the person at fault in an accident with you cannot pay for your damages.  Since it’s wise to base your liability limit on what you have to lose, you should do the same with UM/UIM.

Underinsured Motorists (UIM) Coverage

Underinsured motorists (UIM) coverage will pay out if the driver who hit you causes more damage than his or her liability coverage can cover. In some states, UM or UIM coverage will also pay for property damages. Similarly, underinsured motorists insurance will cover any damage caused when you are struck by a driver who is not insured for a sufficient amount.

You’ll probably want to have at least the minimal amount of UM/UIM because if you can’t find the other driver, you’ll at least have some coverage for pain-and-suffering damages.

Optional Coverages

Several supplemental auto coverages are available, either as separate premium items or included in augmented policies. Rental reimbursement, a common add-on, covers vehicle rentals required because your car is damaged or stolen.  Coverage for towing and labor or Roadside Assistance charges in case of a road breakdown is also common. -Gap coverage for your new car will pay the difference between the actual cash value you receive for the car and the amount left on your car loan if your vehicle is totaled in an accident.

Important Points about Virginia Auto Insurance Coverage

You may be asked for proof of insurance at any and all of these times: at vehicle registration, at the time of an accident, and any time when driving the vehicle. It is suggested that the owner of the car keeps proof of insurance in the car at all times, instead of on his or her person, so that it can be available at all times, no matter who is driving.

You should never drive without Virginia auto insurance.  Any violations of state law regarding auto insurance could result in a hefty fine,  suspension of your driver’s license, and possibly time in jail. The dire consequences of driving while uninsured are not worth the neglect of paying for insurance. The chance that an uninsured driver will avoid detection is slim; he is likely to be caught and strictly punished–not to mention and increase in the cost of insurance for 3 to 5 years.

Visit the Virginia Division of Motor Vehicle website to learn more.

_________________________________

 

 Why Choose  The Insurance Advisor® of Chesterfield?

The Insurance Advisor®  of Chesterfield opened in 2002 as a full service Independent Insurance Agency that represents many top-rated companies.  We assess risks and shop companies to find the best coverage for the price.  One of our Insurance Agents can help you get the best value for the Virginia auto insurance you need.

With a combined experience of over 60 years in the insurance industry, our agents are knowledgeable and competent specializing in automobile, homeowners, renters, boatmotorcycle, commercial automobile, workers compensation, and general liability.  We proudly serve all of St. Louis and Jefferson counties including Chesterfield, High Ridge, Arnold, Imperial, Valley Park, Ballwin, Wildwood, Eureka, Pacific, House Springs, Hillsboro, Sunset Hills, Crestwood, Manchester, and St. Clair.

The Insurance Advisor® of Chesterfield represents many of the industry’s premier national and regional insurance companies offering competitive rates through Travelers, Safeco, EMC, Kemper Preferred, Progressive, The Hartford, West Bend, Chubb and many more.

For our clients’ convenience, our Insurance Agents are available for after hours appointments and Saturdays. Our normal office hours are Monday – Friday from 9 to 5 (don’t be surprised to find us here much later or on weekends).  We are dedicated to providing the most exceptional and timely customer service in the industry.

Call, request a quote by email, or visit us at our office today for a free, no obligation risk assessment and quote.  Let us do the research and find the best value for the Virginia Auto Insurance Policy you need.

_________________________________ 

 

 Personal Insurance Coverage for Different Needs

On the right sidebar of this page, you will find links to a number of personal insurance resources.  Click on any of the different personal insurance coverage categories to learn more about specific insurance issues and coverages.   Please contact one of our insurance agents for any assistance.

 

Chesterfield Virginia Auto Insurance

Chesterfield Missouir Auto Insurance by The Insurance Advisor (804) 638-9024We Find the Best Chesterfield Virginia Auto Insurance Coverage for You

Chesterfield Virginia Auto Insurance can be purchased in many ways.  You can buy it online.  You can dial an 800 number and get it from an auto insurance company. You can call a local Chesterfield Virginia Auto Insurance agent. In some cases, you can buy it at your bank or credit union.  The choices are many and the challenge to purchase the Best Auto Insurance to meet your needs can be difficult.

In the midst of all the Chesterfield Virginia car insurance commercials and advertisements, it may seem that auto insurance is just a commodity–a product that is the same at every company.  It’s not.  Auto Insurance policies in Chesterfield Virginia can be  very different and have very different cost.   You’re not buying a container of salt;  You’re protecting your financial well being…and the choices you make could affect you for the rest of your life.  

With hundreds of auto insurance companies and the many different policies, the best Chesterfield Virginia Auto Insurance purchase decision is often made with the help of a professional insurance agent.  Our insurance agents at The Insurance Advisor Virginia are ready to help!

Why Choose  The Insurance Advisor® of Chesterfield?

We’re committed to outstanding customer service

We start by offering the best insurance products at a reasonable price. But it’s the The Insurance Advisor® of Chesterfield team that really set us apart from the competition. With combined experience of 60 years, our sales and support staff members can handle your transactions quickly and efficiently. We service each and every account using out team of insurance professionals and we’re always available to answer your questions.

We’re committed to professionalism

Our dedication to client service comes from a culture of professionalism and respect. All of our associates at The Insurance Advisor® of Chesterfield have strong credentials and all of our policies are presented to you in a consistent and professional manner.

We’re committed to solving problems quickly

The Insurance Advisor® of Chesterfield has unique industry relationships, allowing us to provide exclusive insurance solutions to our customers. Additionally, every staff member is trained to actively listen and provide helpful answers presented in a way in which our policy holders clearly understand.

We’re committed to earning and maintaining your trust

We believe trust is something earned by listening to our customers while providing helpful advice and support. Trust and consistent underwriting practices is what we expect from our carrier partners, and in return we owe the same level of service to you.

Learn More:  Personal Insurance Coverage for Different Needs

On the right sidebar of this page, we have include links to a number of personal insurance resources.  Click on any of the different personal insurance coverage categories to learn more about specific insurance issues and coverages.   Please call one of our insurance agents  for any assistance.

 

 

 

Hurricane Preparation Safety Tips

Hurricane Preparation TIPS -- The Insurance Advisor (804) 638-9024

Hurricane season is not far off, thus a good time to provide an article on Hurricane Preparation and Safety Tips.   The following information is intended to help to reduce the severity of property damage and bodily injury during and after a major storm.  Please share.

The National Huricane Center has some of the best information on how to prepare and recover after a major storm. They provide important storm safety information during the Hurricane Preparedness Week usually at the end of May each year.  The following information is a re-post of their Hurricane Preparedness “Be Ready” page.   Please share.   

 

 

Hurricane Preparedness – Be Ready

Hurricane Preparation TIPS -- The Insurance Advisor (804) 638-9024

Please be Prepared for Hurricane Season.

Preparedness Week | Hazards | Watches & Warnings | Be Ready | Marine Safety


Two keys to weather safety are to prepare for the risks and to act on those preparations when alerted by emergency officials. These are essential pieces to the Weather-Ready Nation.

Refer to the Federal Emergency Management Agency’s (FEMA) Ready.gov/hurricanes for comprehensive information on hurricane preparedness at home and in your community.

Some highlights on how to prepare and take action are available below:

Gather Information

Know if you live in an evacuation area. Assess your risks and know your home’s vulnerability to storm surgeflooding and wind. Understand National Weather Service forecast products and especially the meaning of NWS watches and warnings.

Contact your local National Weather Service office and local government/emergency management office. Find out what type of emergencies could occur and how you should respond.

Contacts

Keep a list of contact information for reference.

Hurricane Preparedness Checklist posted by The Insurance Advisor (804) 638-9024

  • Local Emergency Management Office
  • County Law Enforcement
  • County Public Safety Fire/Rescue
  • State, County and City/Town Government
  • Local Hospitals
  • Local Utilities
  • Local American Red Cross
  • Local TV Stations
  • Local Radio Stations
  • Your Property Insurance Agent

Risk Analysis

Online hazard and vulnerability assessment tools are available to gather information about your risks.

 

 Example Disaster Supply Kit post by The Insurance Advisor (804) 638-9024

Plan & Take Action

Everyone needs to be prepared for the unexpected. Your friends and family may not be together when disaster strikes. How will you find each other? Will you know if your children or parents are safe? You may have to evacuate or be confined to your home. What will you do if water, gas, electricity or phone services are shut off?

Protect Your Home

The Insurance Information Institute provides a video named Making Your Home More Hurricane Resistant: Five Steps.

Supplies Kit

Put together a basic disaster supplies kit (http://www.ready.gov/basic-disaster-supplies-kit) and consider storage locations for different situations.  Help community members do the same.

A basic emergency supply kit could include the following recommended items:

  • Water, one gallon of water per person per day for at least three days, for drinking and sanitation
  • Food, at least a three-day supply of non-perishable food
  • Battery-powered or hand crank radio and a NOAA Weather Radio with tone alert and extra batteries for both
  • Flashlight and extra batteries
  • First aid kit
  • Whistle to signal for help
  • Dust mask to help filter contaminated air and plastic sheeting and duct tape to shelter-in-place
  • Moist towelettes, garbage bags and plastic ties for personal sanitation
  • Wrench or pliers to turn off utilities
  • Manual can opener for food
  • Local maps
  • Cell phone with chargers, inverter or solar charger

Once you have gathered the supplies for a basic emergency kit, you may want to consider adding the following items:

  • Prescription medications and glasses
  • Infant formula and diapers
  • Pet food and extra water for your pet
  • Cash or traveler’s checks and change
  • Important family documents such as copies of insurance policies, identification and bank account records in a waterproof, portable container. You can use the Emergency Financial First Aid Kit – EFFAK (PDF – 977Kb) developed by Operation Hope, FEMA and Citizen Corps to help you organize your information.
  • Emergency reference material such as a first aid book or free information from this web site. (See Publications)
  • Sleeping bag or warm blanket for each person. Consider additional bedding if you live in a cold-weather climate.
  • Complete change of clothing including a long sleeved shirt, long pants and sturdy shoes. Consider additional clothing if you live in a cold-weather climate.
  • Household chlorine bleach and medicine dropper – When diluted, nine parts water to one part bleach, bleach can be used as a disinfectant. Or in an emergency, you can use it to treat water by using 16 drops of regular household liquid bleach per gallon of water. Do not use scented, color safe or bleaches with added cleaners.
  • Fire extinguisher
  • Matches in a waterproof container
  • Feminine supplies and personal hygiene items
  • Mess kits, paper cups, plates, paper towels and plastic utensils
  • Paper and pencil
  • Books, games, puzzles or other activities for children

Emergency Plans

Develop and document plans for your specific risks.

Health & Environment

Follow guidelines to guard your community’s health and protect the environment during and after the storm.

Evacuation

Image of Interstate Traffic in an Evacuation post by The Insurance Advisor (804) 638-9024

  • Review the FEMA Evacuation Guidelines to allow for enough time to pack and inform friends and family if you need to leave your home. FOLLOW instructions issued by local officials. Leave immediately if ordered!
  • Consider your protection options to decide whether to stay or evacuate your home if you are not ordered to evacuate.

When waiting out a storm be careful, the danger may not be over yet…

Be alert for:

  • Tornadoes – they are often spawned by hurricanes.
  • The calm “eye” of the storm – it may seem like the storm is over, but after the eye passes, the winds will change direction and quickly return to hurricane force.

Recover

  • Wait until an area is declared safe before returning home.
  • Remember that recovering from a disaster is usually a gradual process.

Resources

 

MISSOURI INSURANCE BLOG | MJM INSURANCE™ OF FENTON

 

Thank you for visiting our Virginia Insurance Blog!trustedchoice-trans1

First, allow us to introduce ourselves….

MJM Insurance of Chesterfield is an established full-service insurance agency.  As an independently owned Chesterfield Virginia insurance operation, our licensed agents have access to several A+ rated insurance carriers such as Safeco, The Hartford, Travelers, EMC, Progressive, MetLife, and dozens more. 

Our professional agents assess the risks and exposures the consumer may be facing.  Our goal is to shop insurance for the consumer – a/k/a “you!”  We shop multiple carriers and find you the best protection at the best price.  We’ll help save time and heartache trying to figure out which specific coverage goes with which type of risk.

The insurance products we offer include automobile, homeowners, business, power sports, life, and other specialty lines.  During the client risk assessment, our agents review coverage and compare how you’re currently protected, and provide recommendations about how you should be protected. The coverage includes liability, property damage, bodily injury, personal property, home and renters coverage, business liability, workers compensation, personal or business investments and much more.

So now you know!

It is our goal to ensure Virginia consumers are well-informed about insurance and protecting themselves and their families. Our agents offer the Virginia Insurance Blog to provide information and educational resources for drivers, homeowners, business owners and everyone in between!  This blog and our site are dedicated to providing Virginia consumers valuable information related to insurance products and risk management solutions. 

So why purchase your Virginia Insurance from us?

We’re committed to outstanding customer service

We start by offering the best insurance products at a reasonable price. But it’s the MJM Insurance of Chesterfield team that really set us apart from the competition. With combined experience of 60 years, our sales and support staff members can handle your transactions quickly and efficiently. We service each and every account using out team of insurance professionals and we’re always available to answer your questions.

We’re committed to professionalism

Our dedication to client service comes from a culture of professionalism and respect. All of our associates at MJM Insurance of Chesterfield have strong credentials and all of our policies are presented to you in a consistent and professional manner.

We’re committed to solving problems quickly

MJM Insurance of Chesterfield has unique industry relationships, allowing us to provide exclusive insurance solutions to our customers. Additionally, every staff member is trained to actively listen and provide helpful answers presented in a way in which our policy holders clearly understand.

We’re committed to earning and maintaining your trust

We believe trust is something earned by listening to our customers while providing helpful advice and support. Trust and consistent underwriting practices is what we expect from our carrier partners, and in return we owe the same level of service to you.

New Team Member–The Official Insurance Advisor

 ***  BREAKING NEWS  ***

We are pleased and excited to announce our newest Team Member who will be our “Official Spokes Person:”

The Insurance Advisor--Assess Risks, Shop Companies, and Save Money. (804) 638-9024

 The Insurance Advisor

The Insurance advisor has many resources and emotions to depict every insurance issue and situation.  He will be providing important insurance information and education to the residents of Virginia.  In addition to his informative post on our website, you may see him occasionally on social media channels such as Facebook, LinkedIn, and Tweeter–although he does enjoy and likes StumbleUpon, Tumblr, and a few others.

The employment interview and selection process was challenging; however, The Insurance Advisor was well prepared and had the qualities we were seeking for our spokes person.  Honest, Fair, Educated, Knowledgeable of all Insurance matters–extreme knowledge of the many top-rated companies that we represent–why he even knew most the company underwriters’ first and last names!!  Needless to say, we are indeed fortunate and thankful that The Insurance Advisor is now representing The Insurance Advisor Insurance Agency!  Here are a few expressions and emotions that blew us away:

The Insurance Advisor

 

Hey.  I found four more discounts that you are eligible to receive.  And with your great driving record and good credit you could be saving another 15%.  It is time to start looking for that motorcycle–now that you have so much savings!

The Insurance Advisor

 

Caution.  Before you renew your business insurance, better let me shop it with top-rated companies to get the coverages you need for the best price.  You should also have a risk analysis done–and you could save more, if you had one of our custom safety programs!

 

The Insurance Advisor

Some things are like a light bulb coming on right in front of you.  Getting quotes from dozens of top-rated insurance companies just makes a lot of sense.  A local agent, shopping my insurance, getting me the coverages that I need for the lowest cost!  How bright!

The Insurance Advisor

 

 

Yikes!  The other insurance company is trying to  claim that my client is at fault.   I will get our legal team on this immediately!

 

 

 

The Insurance Advisor

 

 

 

Ok.  So I did not make it as a comedian.  You can still save a lot of money and get the insurance coverages you need!  Give me a call:

(804)  638-9024

 

 

 

 

 

 

 

We Find The Best Auto Insurance

We Find The Best Auto Insurance Value for You

Auto Insurance by The Insurance Advisor (804) 638-9024

There are several ways to purchase auto insurance in Virginia.  You can buy it over the Internet at literally hundreds of different web sites. You can call an 800 number and buy it over the phone directly from an auto insurance company. You can call an insurance agent. In some cases, you can buy it at your bank or credit union.  The choices are many and the challenge to purchase the Best Auto Insurance to meet your needs is difficult.

In the midst of all the insurance commercials and advertisements, it may seem that auto insurance is just a commodity–a product that is the same at every company.  It’s not.  Auto Insurance policies in Virginia can be  very different and have very different cost.   You’re not buying a container of salt;  You’re protecting your financial well being…and the choices you make could affect you for the rest of your life.  To learn more about Virginia Auto Insurance, please visit our Virginia Auto Insurance Information page.

With hundreds of auto insurance companies and the many different policies, the best auto insurancepurchase decision is often made with the help of a professional insurance agent.  Our insurance agents atThe Insurance Advisor are ready to help!

The Insurance Advisor, LLC  is a full service Independent Insurance Agency that represents many top-rated companies.  We assess risks and shop companies to find the best coverage for the price.  Our clients get the best value for the insurance they need.

A few of the companies we represent include:  Travelers, Safeco, Main Street, Metropolitan, Mercury, Lincoln Financial, Dairyland, Titan, Victoria, Foremost, Arrowhead, Alfa Vision, CNA, Zurich, Kemper, Augusta Mutual, Anthem, Mutual of Omaha, and many more.

Call, request a quote by email, or visit us at our office today for a free, no obligation risk assessment and quote.  Let us do the research and find the best auto insurance value for you.

 Personal Insurance Coverage for Different Needs

On the right sidebar of this page, we have include links to a number of personal insurance resources.  Click on any of the different personal insurance coverage categories to learn more about specific insurance issues and coverages.   Please call one of our insurance agents at The Insurance Advisor for any assistance.

Virginia Auto Insurance Basics: The Insurance Advisor

Auto insurance is a contract that protects your financial security in case of an accident. Although it is not mandated by federal law, the purchase of  auto insurance is usually a requirement in most states.  Regardless of the law, having good Virginia auto insurance is practical for the driver who wishes to avoid lawsuits or immense repair bills.

According to the Insurance Information Institute (III), a basic auto insurance policy is comprised of six basic types of coverage. While some of these types of coverage are required by state law, some are considered optional.

These are: 1.  Bodily injury liability 2.  Property damage liability 3.  Medical payments or Personal Injury Protection (PIP) 4.  Collision 5.  Comprehensive
6.  Uninsured/Underinsured motorists coverage Liability Insurance

Bodily Injury Liability Insurance

Liability coverage is the foundation of any car insurance policy, and is required in most states. If you are at fault in an accident, your liability insurance will pay for the bodily injury and property damage expenses caused to others in the accident, including your legal bills. Bodily-injury coverage pays for medical bills and lost wages.

Property Damage Liability Insurance

Property-damage coverage pays for the repair or replacement of things damaged other than your own car. The other party may also decide to sue you to collect “pain and suffering” damages.

Liability insurance (both bodily injury and property damage) is the foundation of most auto insurance policies. Almost every state that requires auto insurance mandates the purchase of property damage liability.  If you are at fault in an auto accident, your liability coverage will pay all the expenses, bodily injury, property damage, and any legal bills. The bodily injury coverage would pay for medical bills and lost wages; the property damage coverage would pay for any auto repairs, or replacement. Property damage liability usually repairs damage to other vehicles, but can also cover damages to things such as lamp poles, fences, buildings, or anything else that your car may have struck.
Remember, although purchasing only the minimum can get you a cheap auto insurance rate, if you cause a serious accident, minimum insurance may not cover you adequately. That’s why it’s a good idea to buy more than what your state requires. If you own a home and have nest egg and a savings account, you should consider more liability insurance because, in most states, drivers are allowed to sue other drivers who injure them in car accidents. If you’re sued and your liability insurance doesn’t pay for all of the damages, your personal finances are on the hook, and it’s likely you’ll become a target.
Collision and Comprehensive Coverages.

Collision Coverage

If you cause an accident, collision coverage will pay to repair your vehicle. You usually can’t collect any more than the actual cash value of your car, which is not the same as the car’s replacement cost. Collision coverage is normally the most expensive component of your car insurance rate. By choosing a higher deductible, say $500 or $1,000, you can keep your premium costs down. However, keep in mind that you must pay the amount of your deductible before the insurance company kicks in any money after an accident.

Insurance companies often will “total” your car if the repair costs exceed a certain percentage of the car’s worth. The critical damage point varies from company to company, from 55 percent to 90 percent.

Comprehensive Coverage

Comprehensive coverage will pay for damages to your car that weren’t caused by an auto accident: Damages from theft, fire, vandalism, natural disasters, or hitting a deer all qualify. Comprehensive coverage also comes with a deductible and your insurer will only pay as much as the car was worth when it got wrecked.

Because insurance companies normally will not pay you more than your car’s book value, it’s helpful if you have a rough idea of this amount. Check the Kelley Blue Book or the National Automobile Dealers Association. If your car is worth less than what you’re paying for the coverage, you’re better off not having it.

Neither collision nor comprehension insurance is required by any of the states, but some lenders, when the owner finances the car, may require the purchase of collision and comprehensive in the loan agreement. Even when it is not required, collision and comprehensive coverage is highly recommended by the insurance industry, so that in the unforeseen event of damage or theft, the owner of the car can avoid heavy bills. Theft of cars is not as unusual as some people may think. In 2004, a car was stolen in the United States every 26 seconds, and a car had a 1 in 190 chance of being stolen.
Medical Payments, PIP, and No-fault coverages.

Medical Payments (MedPay) Coverage

Medical payments (MedPay) coverage will pay for your and your passengers’ medical expenses after an accident. These expenses can arise from accidents while you’re driving your car, someone else’s car (with their permission), and injuries you or your family members incur when you’re pedestrians. The coverage will pay regardless of who is at fault, but if someone else is liable, your insurer may seek to recoup the expenses from him or her.

Personal Injury Protection (PIP)

Personal Injury Protection (PIP) coverage is an extended form of MedPay. PIP may cover expenses that are related to injury, but not necessarily medical, such as lost wages, childcare and funeral costs. PIP coverage is currently required by sixteen states. If you are already insured under a good health insurance policy, then fortunately, there is no need to buy more than the minimum required amount of PIP or MedPay insurance.  If you have a good health insurance plan, there might be little need to buy more than the minimum required PIP or MedPay coverages, if at all. And, if you already have disability insurance, there’s little reason to purchase higher-than-minimum amounts of PIP.

Uninsured Motorists (UM) Coverage

Uninsured motorists (UM) coverage pays for your injuries if you’re struck by a hit-and-run driver or someone who doesn’t have auto insurance. It is required in many states.

Underinsured Motorists (UIM) Coverage

Underinsured motorists (UIM) coverage will pay out if the driver who hit you causes more damage than his or her liability coverage can cover. In some states, UM or UIM coverage will also pay for property damages. Similarly, underinsured motorists insurance will cover any damage caused when you are struck by a driver who is not insured for a sufficient amount.

You’ll probably want to have at least the minimal amount of UM/UIM because if you can’t find the other driver, you’ll at least have some coverage for pain-and-suffering damages.

Optional Coverages

Several supplemental auto coverages are available, either as separate premium items or included in augmented policies. Rental reimbursement, a common add-on, covers vehicle rentals required because your car is damaged or stolen. -Coverage for towing and labor charges in case of a road breakdown is also common. -Gap coverage for your new car will pay the difference between the actual cash value you receive for the car and the amount left on your car loan if your vehicle is totaled in an accident.

Important Points about Virginia Auto Insurance Coverage

You may be asked for proof of insurance at any and all of these times: at vehicle registration, at the time of an accident, and any time when driving the vehicle. It is suggested that the owner of the car keeps proof of insurance in the car at all times, instead of on his or her person, so that it can be available at all times, no matter who is driving.

You should never drive without Virginia auto insurance.  Any violations of state law regarding auto insurance could result in a hefty fine,  suspension of your driver’s license, and possibly time in jail. The dire consequences of driving while uninsured are not worth the neglect of paying for insurance. The chance that an uninsured driver will avoid detection is slim; he is likely to be caught and strictly punished–not to mention and increase in the cost of insurance for 3 to 5 years.

The Insurance Advisor, LLC  is a full service Independent Insurance Agency that represents many top-rated companies.  We assess risks and shop companies to find the best Virginia auto insurance coverage for the price.  Our clients get the best value for the insurance they need.

A few of the companies we represent include:  Travelers, Safeco, Main Street, Metropolitan, Mercury, Lincoln Financial, Dairyland, Titan, Victoria, Foremost, Arrowhead, Alfa Vision, CNA, Zurich, Kemper, Augusta Mutual, Anthem, Mutual of Omaha, and many more.

Call, request a quote by email, or visit us at our office today for a free, no obligation risk assessment and quote.  Let us do the research and find the best value for the Virginia Auto Insurance you need.