10 Best Professional Services in Georgetown, DE

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By Stracar Insurance Group

This Is Worth The Price Of Gold

Have you been watching the rising price of gold, gems, and other precious metals? Since 2000, the price of gold has nearly quintupled. People have enjoyed an increasing asset, even through these hard economic times. Along with this added wealth comes increased risk.Most homeowner policies have a sublimit for jewelry, goldware, silverware, etc. for the exposure of theft. If these items were to be stolen, you would only receive a portion of their true value, or nothing at all depending on the total dollar amount you own. For those who were wise enough to schedule their jewelry, now would be a good time to revisit the appraisals, and be certain the coverage limit is adequate should you have a claim. Appraisals should be reviewed every three to five years, and as with all personal property, you should keep photos or videos of the property in a safe place.For those who have not scheduled their jewelry, now is the time to do so. This is especially true for the items you felt were not worth the value to insure. They may be worth it now.

By Stracar Insurance Group

What You Should Do After an Auto Accident

It’s an unfortunate fact of life that, despite the best of intentions, accidents still happen.What you do after an accident, though, can make a difference, especially when it comes to filing an insurance claim.Following is a handy checklist of three things you should do following an accident:Remain Calm and Call for Help:Even the smallest fender bender can feel like a frightening experience, so the very first step is to pull over to a safe area. Make sure you and the other driver are not in imminent danger and then call for help.Gather Documents:While you wait for the police, take time to exchange information, including contact details, make and model of the vehicles, license plate numbers, and insurance carrier. It is also a good idea to collect the contact information of any eyewitnesses that may have seen the accident.Just be sure to avoid placing blame or taking responsibility for the accident. In fact, it’s best to speak directly to the police officer in order to avoid unpleasant accusations or other potential problems. If possible, take photographs of the accident before the vehicles are moved.Ask Your Agent:Once the police report is completed, it is time to contact your auto insurance agent - the sooner the better. Not only will doing so help assure a timely resolution to the claim, but your agent is often able to assist with towing, rental replacement and other urgent needs to put you back in the driver’s seat as soon as possible.

By Stracar Insurance Group