Basics in Renewing your Insurance Policy


It is crucial to have an insurance that can give you protection you need for your future. Without it, it seems like you are living in a very difficult stage of your life. Insurance is the equitable transfer of the risk of a loss, from one entity to another in exchange for payment. An insurer, or insurance carrier, is a company selling the insurance; the insured, or policyholder, is the person or entity buying the insurance policy.

Any insurance policy is required as a renewal. An insurance renewal is the standard length of time an insurance policy is in effect without the insurance company adjusting your rate. Of course, once you renew it, there are probably some changes on its rules and regulations unlike on the agreement that you have been took before. You will receive a declaration page along with other information explaining your policy. New proofs of insurance are usually enclosed with the renewal information.

When do you think will be time to renew your insurance policy? Remember that the renewal date of your policy usually based upon the date your policy took effect. The other factor in determining your renewal date is the length of your policy period. The policy insurance are basically renewed annually that locked in for a full year or semi-annually which is very common in renewing policy every six months.

What are the things you need to do when renewing your insurance? The first thing you need to do is to review or examine your policy. Your renewal period is the best day to review your policy to verify discounts or to make changes to coverage. It is also the good time to contact your insurance agent as well. In addition, you also need to consider right payment. If you pay, your payment notifies the insurance company that you want to continue the policy. It is equally important to cancel your insurance policy if you do not want to continue because some companies do extend a grace period and may charge you for the grace period if you do not notify them of cancellation.

If you want to know more about insurances, or if you want to purchase new insurance policy, consult Galveston insurance professional agents of Rene Toman Insurance Agency at (281)332-3559. You can also use our contact form to submit your detailed concerns for an immediate response of one or our insurance agents.

Call us today and we will be glad to assist you for your future protection.


Filing a Claim on Your Auto Insurance


So many people in our current generation who are purchasing various insurances like home and vehicle insurance. Auto insurance is very important to all of the drivers or vehicle owners which is used to provide financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise there form the specific terms of vehicle insurance vary with legal regulations in each region.

Sometimes it is a threatening task if you have not yet filed a claim before. Of course, in this case you don’t probably know who to call, what details you need, or if your policy has the appropriate coverage to cover the loss.

All you need to do first is to consult your agent or customer service representative to help you file a claim. Both the company’s service center phone number and the agent contact number must be listed on the policy. If you cannot find your policy check the proof insurance, the phone book, or the internet for the claim phone numbers. It is always depends on your state how long you have to file an auto insurance claim.

When you are filing a claim, you must need to collect all of the applicable details which is really important and can probably simplify the process. You must need to consider the information including the date and time of loss; location of loss; the year, make, and the model unit of all the vehicles involved; name of the drivers and passengers; contact info for your witnesses and other parties; description of vehicle damage; description of accident, the body shop you want to do the repairs, police report number, and the current location of your vehicle.

Finding out your coverage can be tricky if you are not aware with all of the insurance policies. It is accurate to determine the coverage you want to claim is to ask your insurance agent. Yes, filing a claim for the first time can be scary, especially if you are encountering a major loss. To prevent various problems, make sure that you have all the details you need so you always have access to it. Know the possible contacts, collect all the necessary information and find out if your policy covers your current loss.

To know more about the various information of vehicle insurance, it is about time to consult Houston auto insurance of Rene Toman Insurance Agency today. Call us at (281) 332-3559 and discuss your concerns with one of our professional agents. You can also visit our website for more details and updates.