Auto Insurance

Does Auto Insurance Cover Pet Theft From Your Parked Vehicle?

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Pet theft from a parked vehicle is upsetting and confusing, especially when it happens quickly and without witnesses. In Indiana, whether auto insurance through Irvington Insurance, serving Indianapolis, IN, applies depends on how pets are legally classified and what type of loss occurred.

How Pets Are Treated Under Indiana Law

Under Indiana law, pets are considered personal property, even though most owners see them as family members. That legal classification matters when auto insurance coverage is reviewed. Auto insurance is designed to cover vehicles, injuries, and certain types of physical damage, not personal property inside the car. Because of that distinction, theft of a pet is usually not handled under an auto insurance policy.

Why Auto Insurance Typically Doesn’t Apply

If a dog or cat is stolen from a parked vehicle, auto insurance generally doesn’t cover the loss itself. This applies whether the pet is a mixed breed or a pure breed. Even when a vehicle is locked and no damage occurs to the car, the theft of a pet is treated separately from vehicle-related losses. Auto insurance focuses on the car, not what’s inside it.

Where Coverage Questions Often Come Up

Situations involving pure breeds can raise additional questions because these pets are sometimes targeted due to their resale value. While that may affect how the theft is investigated, it doesn’t usually change how auto insurance responds. If the theft involved damage to the vehicle, such as a broken window, auto insurance may address that damage, but not the loss of the pet.

Talk to your auto insurance agent at Irvington Insurance, serving Indianapolis, IN, today to learn more. There may be other options for you to consider as far as ensuring your beloved pet’s safety, health, and security.

Are You Prepared To Drive in Winter Weather?

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Colder months of the year can turn Indianapolis into an icy winter wonderland. Despite the beauty of snowy landscapes, serious driving hazards can increase when ice, sleet, and snow make their annual appearance.

Winter Driving Hazards in Indianapolis

Freezing rain, sleet, and snow make roads slicker than normal. Slipping and sliding on snow-covered roads can lead to collisions with other vehicles, property, animals, or stationary objects. Even experienced local drivers can fall victim to unseen patches of black ice that can send vehicles veering off the road.

Ways To Protect Yourself When Driving in Winter Weather

Beware of icy patches on bridges and overpasses

Winter driving often means navigating ice patches on bridges and overpasses. Slow down before you get on a bridge or overpass, and maintain a slow-steady speed as you cross. Avoid braking suddenly and increase your following distance. Also, be ready to dodge disabled vehicles on the road as their occupants seek roadside assistance for frozen locks, dead batteries, and running out of gas after sitting in bumper-to-bumper winter traffic.

Keep your tires inflated

Check your tires to ensure they are properly inflated for traveling on snowy roads. Consider investing in winter tires for better traction on slick roadways.

Avoid tailgating

Maintaining a safe distance when following on ice and snow-covered roads can be a lifesaver during severe winter weather. Also, reduce your speed to avoid collisions with other vehicles, animals, and objects.

Maintain adequate auto insurance

Maintaining state minimum auto insurance will safeguard other drivers on the road if you are in an accident. However, a liability-only policy won’t cover your vehicle repairs or other related costs. Consider upgrading your insurance to include comprehensive or collision protection for at-fault accidents, car theft, natural disasters, vandalism, collisions with uninsured motorists, and animal collisions.

Contact Irvington Insurance in Indianapolis, IN, to learn more about your auto insurance options.

Do You Always Need to File a Police Report After Auto Accident?

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Car accident? Your next call should likely be to the police. Even if no one is injured, calling the authorities and obtaining an official report can save you from potential headaches down the road. Skipping this step could backfire later, whether with your insurance claim or local legal requirements. Here’s what your insurance representative at Irvington Insurance, serving Indianapolis, IN, wants you to know.

When You’re Required to File

By law, you must report an accident to the police if someone is injured, there’s a fatality, or property damage is likely over $1,000. While this sounds straightforward, it’s often difficult to estimate the cost of damage on the spot. What appears to be a minor fender bender could conceal costly issues, such as damaged sensors or frame problems, that can run into the thousands. Filing a report protects you if the other driver later claims the damage was worse or tries to pin the blame on you.

Why Insurers Prefer Police Reports

Many insurance companies prefer having an official police report, and it’s easy to see why. A report provides an unbiased account of the incident, making it easier to determine who is responsible for the fault.

Without a report, you could find yourself in a messy back-and-forth if the other driver changes their story. That official documentation can be the difference between a smooth claims process and a drawn-out hassle.

Even Minor Accidents Can Escalate

Imagine lightly tapping bumpers in a parking lot. No one is hurt, you exchange information, and both parties go their separate ways. But what happens if, two days later, the other driver claims back pain or “hidden damage” and demands compensation?

A quick police report taken at the scene would document exactly what happened and help protect you from paying for issues that weren’t there.

While Indiana law doesn’t require a report for every minor scrape, it’s often smarter to call it in. A brief stop with local officers can save you significant trouble later. For more information, contact Irvington Insurance, serving Indianapolis, IN.

How Long Do Car Accidents or Tickets Stay on Your Record?

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When it comes to car insurance, your driving record plays a significant role in determining your premiums. But how long do accidents or tickets stay on your record, and what impact do they have on your insurance rates? Located in Indianapolis, IN, Irvington Insurance can help you navigate these issues and ensure you have the coverage you need to stay protected in the event of an accident.

Car Accidents and Your Driving Record

In most states, car accidents typically stay on your record for three to five years, depending on the severity and fault. If you’re found at fault for the accident, it can lead to an increase in your insurance premiums. Insurance companies see at-fault accidents as a risk, which can raise your rates during your policy renewal.

Traffic Tickets and Their Impact

The duration a ticket stays on your record depends on the type of violation and your state laws. Minor violations like speeding tickets may remain on your record for three to five years, while more severe offenses, such as DUI or reckless driving, can stay for much longer, up to 10 years or more.

How This Affects Your Car Insurance Rates

Having accidents or tickets on your record can result in higher premiums, as insurers view you as a higher risk. However, as time passes and these incidents age off your record, your rates may decrease.

Get the Auto Insurance Coverage You Need

It’s normal to be concerned about how a car accident or ticket could affect your driving record. To learn how to stay protected from auto accidents, contact Irvington Insurance in Indianapolis, IN.

Navigating Auto Insurance Options for Learner’s Permit Holders

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New drivers with a learner’s permit in Indianapolis, IN, must have auto insurance to drive. They can either obtain separate auto insurance or share an auto insurance policy with someone else. Irvington Insurance breaks down both options, categorizing them by age and specific circumstances.

Auto Insurance Options for Teen Drivers with a Learner’s Permit

Teen drivers with a learner’s permit are more likely to be added to their parent’s auto insurance because they are underage. This allows them to enjoy the same benefits as their parents and build an insurance history. Having a track record makes it easier for them to get separate auto insurance later. Bundling is also more affordable, even as rates increase. Individual auto insurance tends to cost more due to their lack of driving experience.

In rare cases, a teen driver with a learner’s permit may need a separate auto insurance policy. This could be because their parents don’t have auto insurance, they have a separate residence with a permanent address unrelated to school or college, or they own a vehicle, either as a gift or purchased.

Auto Insurance Options for Adult Drivers with a Learner’s Permit

Adult drivers with a learner’s permit can be added to the auto insurance policy of a parent, spouse, family member, or roommate. Bundling two people in one policy is usually cheaper than getting individual auto insurance. However, they might be better off getting separate auto insurance if there are policies that specifically cover learner’s permits.

An alternative to auto insurance is borrowing a vehicle from a licensed and insured driver. The driver’s insurance covers you as long as the driver is in the car each time you use it.

Permit holders in Indianapolis, IN, can benefit from the guidance of an experienced auto insurance agent to help them choose a policy. For detailed and personalized permits and auto insurance information, visit or call Irvington Insurance.

Understanding Auto Insurance Coverage for Rental Cars

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Rental Car Insurance: Understanding Your Coverage

Planning a trip often involves renting a car, but understanding the insurance implications can be tricky. At Irvington Insurance in Indianapolis, IN, we’re here to make it simple and stress-free.

Assessing the Need for Extra Coverage

When renting a car, the rental company might push you to buy their insurance. But before you do, check your existing auto policy. Many policies include rental car coverage, which could save you money. Understanding what your policy covers is crucial to avoid unnecessary expenses.

Understanding Your Policy Coverage

Your auto insurance might already cover rental cars, but verifying the specifics is important. Typically, if you have collision and comprehensive coverage, it extends to rental vehicles. This means you might not need additional protection from the rental company. However, always confirm with your provider to ensure you’re adequately covered.

Exploring Credit Card Benefits

Another option to consider is your credit card. Many credit cards offer rental car insurance as a perk, but the coverage varies. It’s a good idea to call your credit card company to understand what’s included. This can serve as a backup or even replace the need for extra insurance.

Making Informed Decisions

Understanding your options helps you make informed decisions and avoid spending more than necessary. It’s all about knowing what’s available to you and using it to your advantage.

Need Help With Your Auto Insurance Coverage? Call Us Today In Indianapolis, IN.

If you’re unsure about your coverage, Irvington Insurance, providing auto insurance coverage to residents in and around the greater Indianapolis, IN area, is here to help. Our team can review your policy and ensure you have the proper protection before you hit the road. Contact us today to discuss your insurance needs and travel with confidence.

What Is the 25/50/25 Requirement?

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Most states across the U.S. mandate drivers to have car insurance before lawfully hitting the road. However, these requirements vary from state to state, meaning the coverage you need in one state may differ in another. An example is the 25/50/25 requirement involving a handful of states, including Indiana. What does this mean for you if you’re a driver in Indianapolis, IN? Our team at Irvington Insurance is here to help you understand more about auto insurance coverage requirements and assist you in securing the amount of coverage you need.

Understanding the 25/50/25 Requirement

The 25/50/25 requirement is an abbreviation of the dollar amounts mandated for each type of minimum coverage in Indiana. Sequentially from left to right, this includes a minimum of $25,000 for bodily injury liability coverage per person, $50,000 for bodily liability injury coverage per accident, and another $25,000 of coverage for property damage liability. While adhering to the minimum amount is technically enough, it’s generally recommended for drivers to consider extending these minimums to enhance their peace of mind on the road. A more comprehensive policy with greater coverage will help you navigate any potential road issues with ease and confidence.

Start with Irvington Insurance for Minimum to Comprehensive Coverage

Understanding auto insurance can be challenging, and finding the right insurance policy can be likewise daunting. However, we at Irvington Insurance in Indianapolis, IN, are committed to ensuring you’re well-informed about auto insurance and have the resources to find suitable policies. Start comparing quotes with us today!

Do You Need to Add Your Teen Driver to Your Auto Insurance Policy?

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Experience Outstanding Auto Insurance Services at Irvington Insurance

Irvington Insurance in Indianapolis, IN, prides itself on its committed, capable insurance specialists who strive to tailor your auto insurance to fit your precise needs. Our years of experience ensure thorough elucidation and effective navigation of complex insurance details.

Protecting Your Teen Driver with Auto Insurance

When considering auto insurance for your teen driver, there are crucial factors to bear in mind. Teen drivers often cause insurance rates to rise as they are considered high-risk. However, including your young driver in your policy ensures their full insurance in case of an accident. Further, knowing your teenager is insured brings invaluable peace of mind.

Assessing your teen’s driving record and level of experience is crucial, as these variables directly influence insurance rates. Although having a teen driver included may initially seem costly, the safety and security it brings can outweigh financial considerations.

Optimal Auto Coverage in Indianapolis, IN

At Irvington Insurance, serving Indianapolis, IN, we offer top-tier auto coverage to meet your unique needs. Our professional team is geared toward selecting the best insurance plan that only provides what you need.

Contact us today and receive industry-leading service and the peace of mind that comes with comprehensive coverage. Trust in Irvington Insurance for unparalleled auto insurance plans in the Indianapolis area.

Three Things to Know When Making a Claim Against Auto Insurance

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When you submit a claim against your auto insurance, it’s important to have all of your information straight and to know what your insurance company needs from you to make that claim.

At Irvington Insurance, servicing Indianapolis, IN, we proudly provide information to our customers to help them through the claims process. We know that filing an insurance claim can be stressful, and we’re here to make the process as smooth and stress-free as possible. Here’s what you need to know. 

1. Know Your Deductible

Your deductible is the amount you must pay for your vehicle repair before your auto insurance will pay. The deductible varies from one policy to another.

Some people choose a higher deductible because it will save them money on their auto insurance policy, while others choose a lower deductible because they want to pay less if they have to file a claim. You can find your deductible amount by contacting your insurance agency or looking at your policy. 

2. Know How Long You Have to Submit a Claim

Your insurance agency will require your claim to be submitted within a certain period. This information is important, especially if you don’t plan to file your claim immediately after the covered event. 

3. Know What’s Required to Submit a Claim

Your insurance agency will require specific types of paperwork when you file a claim against your insurance. Knowing what’s required when you submit a claim will help you submit all the paperwork on time and keep your claim moving smoothly. At Irvington Insurance, servicing Indianapolis, IN, we can answer your questions and give you the information you need to submit a claim through your car insurance. Call today. 

How to Choose Automobile Insurance Coverage

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If you’re purchasing a vehicle for the first time, you need to think about insurance. In the state of Indiana, a minimum of liability insurance is required. If you’re financing a vehicle, most finance companies require full coverage, which includes collision and liability. There is even the option to add comprehensive insurance, which covers your vehicle in case it’s damaged during an event that doesn’t include a car accident. If you’re having trouble choosing insurance for your new vehicle, here are some tips that can help.

Do Your Research

Instead of simply choosing the first auto insurance company you can think of, it’s a good idea to conduct some research. Rates and coverage can vary dramatically regarding different insurance agencies, so research is a good idea. During your research, be sure to inquire about any discounts that may be available. It can be easier to check out different insurance agencies online, but making phone calls and in-person visits are fine, too. 

Be Sure to Purchase the Right Type of Insurance

Determining whether to purchase liability or full coverage insurance can be difficult if your car is paid in full. However, some things to take into consideration are:

  • How often you drive the vehicle (the more often you drive, the greater your probability is of becoming involved in an accident)
  • How new the vehicle is (if the vehicle is new, full coverage is recommended because replacement in the event of a total loss could be expensive)
  • Your budget

If you’re in the Indianapolis, IN area, consider Irvington Insurance. We have been providing top-notch service and coverage to our customers for years, and we’re ready to provide the same to you. Contact Irvington Insurance today, and one of our experienced and professional licensed agents will be more than happy to give you a quote.