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Understanding Auto Liability Coverages
My Mortgage pays for my Insurance,Can I still shop around for Insurance?
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Why You Should Review Your Home Insurance Annually
It’s easy to purchase home insurance and forget it. After getting the coverage, it’s done, right? Wrong. The insurance industry is a dynamic industry. Changes can take place at any given moment. As a result of that, you should seriously consider analyzing your home insurance policy at least once a year.
Industry Changes Can Trigger Policy Changes
The insurance industry is one of the largest industries in the United States. As such, they can effect laws governing insurance regulations within Newark, NJ. Since laws affecting your policy can become effective during your policy, the sooner you are aware of the change, the better off you will be. For instance, if you don’t get an annual review, it’s possible for you to remain uninformed about changes concerning what is covered in your policy. Or worst, after experiencing a loss, you find out it’s not covered by your policy.
Reviews Can Uncover Savings or Additional Features
One of the main reasons you should consider getting an annual review of your home insurance policy is to save money. The insurance industry is highly competitive. Increased competition drives prices down. By getting an annual review, you may find that you are eligible to receive a discount. Additionally, you may find that your insurance company is rewarding your loyalty by giving you extra features for the same rate.
Cover Your Home Thoroughly
As a homeowner, you make improvements on your home throughout the year. You may add more room onto your garage or an additional bedroom. Without informing your insurance company, they wouldn’t know you improved your home. Your annual review is a great time to ensure that all the upgrades you made to your home are covered by your home insurance.
At E.S.T.I.R. Inc. we encourage our customers to schedule an annual review. Our licensed insurance agents are more than happy to review your policy to ensure you have the home insurance you need in the event of a loss. Give us a call today to schedule your annual review.
Different Kinds of Auto Insurance to Consider
When it comes to finding the right kind of auto insurance in and around Newark, NJ there are many different options available to you. You simply need to decide which kind of auto insurance is right for you. At E.S.T.I.R. Inc. we are here to show you all of the available options so you can decide what sort of coverage works for your particular budget and your driving needs.
Liability Insurance
This form of auto insurance will protect you in the event of a car accident when it is deemed to be your fault for the accident. This is generally going to cover the cost of auto repairs for the property and other damage the other vehicle and property owners have sustained.
Comprehensive Insurance
This is a kind of insurance coverage that will protect you from accidents that are not related to actual driving. For example, it can protect you from weather damage, like a tree falling onto your vehicle. It also covers your vehicle if you hit a deer while out driving or if the vehicle is stolen. You never know when such an incident might take place, so this is an insurance coverage that often is recommended.
Collision Insurance
Collision insurance is a form of coverage that pays to have your vehicle repaired in the event of an accident. It will also cover your vehicle if it is totaled in an accident and you need to have it replaced.
Underinsured/Uninsured Coverage
Everyone is required to have auto insurance while driving on roads in New Jersey. However, with that said, people still drive without this coverage. This generally ends up costing a driver such as yourself. In order to protect yourself in the event you are in an accident with such an individual, you should consider this insurance.
Newark Goes Green: Tips to Recycle Home Items
Recycling is something we all know we should do, but it’s clear that not every American practices good habits. To avoid this fate, it helps to be aware of common household items you can recycle around the house. Start rethinking the following items today to have less negative impact on the environment.
Paper In Every Form
Cereal boxes and junk mail all count, so before you absentmindedly stick another piece of packaging into the trash remind yourself that it doesn’t go there. Paper plates and paper cups also need to be in the recycling bins after you throw a party. People may toss these things plus other common paper products like books or shredded documents because it’s easier to do than find a recycling facility, but you need to make the effort to get these items to the right place.
Electronics: DVDs, Batteries and Computers
None of these things belong in the trash. Beyond being a wasteful act, they actually contain ingredients that may contaminate the water or the ground. Few areas don’t have a recycling center for these items, although it’s generally not in the same location as the people who take soda bottles and cardboard.
Miscellaneous Items
Get creative here! Paper towel rolls may keep the different wires for your TV from getting all tangled. Reuse take-out plastic containers instead of buying new ones. Make a watering container out of an old milk jug, and use your ratty clothes as rags if you can’t find a place to recycle them. Take your nicer clothes to Goodwill or the Salvation Army.
E.S.T.I.R. Inc. provides homeowners insurance to the people of Newark, NJ and we want you to call us if you’re rethinking your current policy. We can get you a quote today!
Facts on Premium vs. Regular Gas Every Driver Should Know
When it comes to the matter of fueling one’s vehicle, quality is, at times, much more important than quantity. On the flip side, many cars are better off with just regular gas. Are you having trouble differentiating between the two? Not to worry. The following is a closer look at the differences between premium versus regular gas to decide which type is best for your car.
If Premium Is Not Specified, It’s Not Needed
First and foremost, you might believe that you are helping your car out by purchasing premium gas. However, unless the need for premium fuel is explicitly stated, your vehicle will not operate any more proficiently with premium gas.
Engine Type
Moreover, if your vehicle does not specify premium gas, it’s likely with good reason. The vehicles that suggest premium gas have turbochargers, high-compression engines, and other high-performance aspects that are given a boost when they are powered by premium fuel.
Top Tier Gas Benefits
In addition to that, fueling your vehicle with Top Tier gas, in general, can provide your car with a host of benefits. By specifically gassing your vehicle up with fuel marked "Top Tier", you will be purchasing gas that has received an official designation from the Environmental Protection Agency and thus, guarantees that the gas meets a minimum standard in terms of performance as well as cleanliness.
Overall, no matter what type of gas you choose, the best way to save money on car-related expenses by purchasing quality auto insurance. For instance, E.S.T.I.R. Inc. proudly serves the area of Newark, NJ. Providing an array of customizable package options, give them a call today and save!
Tips to Avoid Fender Bender Fraud
Fender bender fraud raises car insurance premiums for all drivers out on the road every year by costing insurance companies enormous sums of money. As a driver, you can do your part to minimize another driver’s chances of pulling off insurance fraud with the following five helpful tips:
Always get a police report written up
Sometimes, drivers are tempted to forego the police report because it usually takes a lot of time to wait for the police to arrive on the accident scene. However, any time you’re exchanging insurance information with another driver, you should also be having the police come in to observe and mediate the proceedings.
Look for witnesses
It’s often hard for drivers who are shy to get the witness testimony they need because they’re reluctant to question bystanders. However, doing so could really help you out later on. If you have numerous witness testimonies backing you up and supporting the idea that a claim is fraudulent, you’ll be able to protect yourself from unfair claims on your insurance policy.
Take pictures
After the accident, take pictures of everything. Pictures are especially useful in proving that an individual was not really severely injured at the time of the accident. You therefore might even want to get pictures of the other drivers involved if possible.
Communicate with your insurance company
If your suspicious of fender bender fraud, you should tell your insurance company. Your insurance company knows how to investigate suspicious cases. If you want to prevent your rates from going up because of an unfair claim, notify your insurance provider of any suspicions right away.
Interested in learning more? For an auto insurance authority located in the Newark area, contact E.S.T.I.R. Inc.
The Benefits of Insuring Your Home In Newark, New Jersey
It’s critical to have homeowner’s insurance wherever you live, but especially in Newark, New Jersey, the biggest city in the Garden State. There are a number of different reasons for this and some of the most important ones are listed below so you can be sure you set up the right home insurance policy in Brick City.
PROTECTING YOUR HOME FROM UNEXPECTED DISASTERS
One of the most important things homeowner’s insurance does is protect your home against unexpected disasters, like a fire that breaks out and burns part of the house down, or a broken pipe that leads to flooding and mold within the house itself, or a blizzard that causes a roof to collapse. These types of disasters can really cost you if you don’t have homeowner’s insurance and lead to economic problems that most people would have trouble fully recovering from.
PROTECTING THOSE WHO ARE IN YOUR HOME
Homeowner’s insurance policies also cover people in the home as well, namely those who are living in your home if they happen to hurt themselves. These liability aspects to homeowner policies will keep homeowners from being sued when people hurt themselves in the home and also pay for their medical expenses in case an accident happens while they are visiting or even living there.
IT GIVES PIECE OF MIND
Owning a home is a lot to worry about in general for most people and anyone who is a homeowner also knows the money and worry they put into their house on a regular basis. So just having the piece of mind that your home will be protected from just about anything by a good homeowner insurance policy is worth it. Make sure you have the right one through a company like E.S.T.I.R. Inc. who serves the greater Newark, New Jersey area.
How Well Do You Know Your Home Insurance Policy? Tips to Consider in Manassas
While most people know they need home insurance, they may not know about just how many variations are available within the policies. The contracts and terms can be adjusted to fit your property, and they can be updated when you need to drop or add coverage. Consider these facts, so you know whether or not you need to change your home insurance.
Mold, Belongings and Floods
Many people might call on their home insurance policy if they experience common problems like water damage from flood or a mold infestation in the structure of their home, but they may be surprised to find out that they’ll have to shoulder the costs of this on their own. Also, your belongings very well may not be protected either. Replacing your things after a theft or natural disaster can be astronomical, and the emotional burden of having lost your possessions makes it far harder to do. Repairs can also run you into the thousands, which can be impossible for the average homeowner.
Customizing Your Home Insurance Policy
If you buy an expensive piece of jewelry or art piece, then you likely don’t think to update their insurance policy. However, even if your possessions are covered, there’s generally a cap at how much the insurance company will pay for. The beauty of insurance is that you have the ability to change your policy if you need to. Look for a company who you can count on when you have questions.
E.S.T.I.R. Inc. serves the people of Manassas, and can help you find a policy that works for you. We’re happy to give you the facts of insurance and then let you make the final call. Contact us if you need a quote!.
Proving Fender Bender Fraud, Steps You Can Take to Clear Your Name
Often times when a fender bender occurs there is some confusion as to who caused it and what the proper course of action is. Though may states are considered no fault states, which means that blame cannot be assigned to one party or the other, there is still some importance in establishing what truly happened. In cases where you are involved in a fender bender that is not your fault and in which fraud is a factor, knowing how to prove that fraud is present is a big help.
The first step in any accident is to establish a clear time line. This means that you take the time to think about what series of events led to the accident in the first place. Were you at a red light, a stop sign, a turn, a parking lot, this type of information can be very helpful in determining what happened and what to do next. After the time line has been established, you will need to collect evidence.
This does not mean collecting things like fingerprints or any other sort of evidence of this nature, but rather things like witness statements, cell phone records to prove you were not using your phone, red light cameras is there are any present, and things of this nature. If you have witnesses be sure that you have their statements taken by a third party that is not partial so that they will stand up in court or any other legal setting. With the right evidence and possibly the assistance of an attorney, you should be able to clear your name and prove that the fender bender was a fraud to keep your rates from going up and your driving record from being marred. E.S.T.I.R. Inc. can help you to get your information in order and stop false claims.