Three Things to Know When Making a Claim Against Auto Insurance

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

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. 

Three Ways to Get the Most From Your Auto Insurance Policy

If you’re looking for auto insurance in the Indianapolis, IN area, you want to ensure you get the quality and value you deserve. To do that, you want to work with trusted agents you can rely on to help you choose a policy. At Irvington Insurance, our dedicated professionals will work with you to find coverage that meets your needs. Here’s how to get the most from your auto policy.

First, it’s important to shop around. When you work with us, we’ll look at the options from several different insurers. Then you can see everything in one place, and you won’t spend all day making phone calls or asking for details from multiple companies. With everything laid out in one spot, you can get questions answered fast and choose the right policy for your needs.

Second, you want to ensure you cover what matters most. There are minimum limits you have to meet, but many people choose to have more coverage than that. Why? Because it provides additional peace of mind. Even if a particular type of coverage isn’t required or minimum limits are low, you can always choose to have more coverage so that you can worry less.

Third, consider reviewing your policy at least once per year. Circumstances can change, and a different insurer might be a better choice than your current one. If you don’t review your policy with your agent, you could miss out on additional value. A yearly review helps avoid that.

Reach out to us at Irvington Insurance today if you’re in the Indianapolis, IN area and looking for quality auto insurance you can rely on. Our agents are here to help you feel good about your insurance policy options.

Four rules to follow when you buy auto insurance

You have plenty of options available when you’re on the market for auto insurance in Indianapolis, IN. At Irvington Insurance, we can offer you auto insurance to protect you financially as a motorist. 

The following are four rules that you should always follow when you buy auto insurance. 

Understand the types of coverage that are available

There are plenty of coverage types available when you purchase auto insurance. You need to get liability coverage to drive legally in Indiana. 

You also have the option of buying collision, comprehensive, uninsured motorist, and rental vehicle coverage. These are just a few of the coverage types you can buy. Knowing these coverage types and how they can benefit you when choosing a policy is essential. 

Get more than the minimum for your liability coverage

Buying only minimum coverage is generally not a good idea. Liability expenses can be very high in the event of a bad accident. You can purchase more than minimum liability coverage to enjoy more peace of mind and avoid severe financial consequences in the event of a bad accident. 

Learn about ways to save

Auto insurance providers often offer various discounts. You may qualify for a discount for having a flawless driving record or for going through a defensive driving course. 

Explore discounts that may be available to you to get the best deal on your policy. 

Carefully evaluate the quotes that you receive.

When you get quotes, make sure you review them carefully. Evaluate the cost and the coverage each individual provider is offering you to choose a good option for your needs. 

Call us at Irvington Insurance to get a quote on an auto insurance policy in Indianapolis, IN. We can provide you with insurance solutions to meet your needs. 

Liability Protection With Car Insurance

As a driver in the Indianapolis area, you need to protect your vehicle and yourself with car insurance. Liability protection is essential to any car insurance policy, allowing you to handle any financial losses that may arise from an accident. Irvington Insurance is here to help you find the right coverage in Indianapolis, IN. 

What Is Liability Coverage? 

Liability coverage protects you if you are found at fault in an accident or if you cause damage to someone else’s property. It also covers medical expenses for any injuries that occur because of the accident. The amount of liability coverage needed depends on several factors, including the value of your vehicle and assets. Irvington Insurance can guide what kind of coverage would be best for your situation. 

Why Do I Need Liability Coverage? 

Liability coverage is essential because it can help protect you from paying out-of-pocket for damages resulting from an accident. Without this protection, any costs associated with an accident could be financially devastating. Having the right type and amount of liability coverage will give you peace of mind that you are adequately protected if something unexpected happens while driving on the roads around Indianapolis.  

Do I Need More Than Liability?

While liability coverage is the minimum required by law, it may not be enough to cover all potential damages in an accident. Consider additional protection, such as a collision and comprehensive policy. This coverage will protect you if your vehicle is damaged in an accident, regardless of who is at fault.

Get The Right Coverage For Your Needs

Drivers in Indianapolis, IN need reliable liability protection with their car insurance policies, and Irvington Insurance is here to help! If you’re looking for comprehensive auto insurance coverage tailored to meet your specific needs, contact us today!

Don’t Break the Law – Make Sure You Have Car Insurance

Did you know you are breaking the law if you drive without car insurance? Only two states in the country do not require it. If you live in or around the Indianapolis, IN area, Irvington Insurance can provide the coverage you need.

There are three reasons to have car insurance:

  • To comply with the laws of your state
  • To satisfy lender qualifications
  • To protect your personal assets

All states require a driver to take financial responsibility for any damage they are responsible for in a traffic accident. Car insurance became a requirement in 1927, with Massachusetts becoming the first state to require it.

There are three types of coverage under a car insurance policy:

  • Liability coverage helps pay for the other driver’s expenses in the event you cause an accident. It does not cover the policyholders’ expenses, however. There are two types of liability coverage: bodily injury and property damage.
  • Collision coverage helps to pay for repairs or replacement of your car if damaged in an accident with another vehicle or object, such as a tree or fence. If you are financing or leasing your car, collision coverage is usually required by the lender.
  • Comprehensive coverage helps pay for repairs or replacement of your vehicle if it is stolen or damaged in an accident that does not involve another vehicle.

If you are still financing your vehicle, full coverage will provide more protection and will likely be required by the lender. If your vehicle is more than ten years old, has high mileage, or you are financially able to replace it, you may consider a liability-only policy.

Get Auto Insurance Today

If you live in the Indianapolis, IN area, contact the insurance professionals at Irvington Insurance today. They will provide you with a quote or answer any questions you may have. You will be glad you did.

Don’t Break the Law – Make Sure You Have Car Insurance

Did you know you are breaking the law if you drive without car insurance? Only two states in the country do not require it. If you live in or around the Indianapolis, IN area, Irvington Insurance can provide the coverage you need.

There are three reasons to have car insurance:

  • To comply with the laws of your state
  • To satisfy lender qualifications
  • To protect your personal assets

All states require a driver to take financial responsibility for any damage they are responsible for in a traffic accident. Car insurance became a requirement in 1927, with Massachusetts becoming the first state to require it.

There are three types of coverage under a car insurance policy:

  • Liability coverage helps pay for the other driver’s expenses in the event you cause an accident. It does not cover the policyholders’ expenses, however. There are two types of liability coverage: bodily injury and property damage.
  • Collision coverage helps to pay for repairs or replacement of your car if damaged in an accident with another vehicle or object, such as a tree or fence. If you are financing or leasing your car, collision coverage is usually required by the lender.
  • Comprehensive coverage helps pay for repairs or replacement of your vehicle if it is stolen or damaged in an accident that does not involve another vehicle.

If you are still financing your vehicle, full coverage will provide more protection and will likely be required by the lender. If your vehicle is more than ten years old, has high mileage, or you are financially able to replace it, you may consider a liability-only policy.

Get Auto Insurance Today

If you live in the Indianapolis, IN area, contact the insurance professionals at Irvington Insurance today. They will provide you with a quote or answer any questions you may have. You will be glad you did.

What to do if your car is totaled?

Anyone in the metropolitan in the Indianapolis, IN area can turn to the team at Irvington Insurance for all of their insurance needs. Having a local agent by your side can be a great resource if you are ever involved in a car accident. Having a car totaled is never any fun, but it can be a lot less stressful when you have the right agent by your side. Contact our office today to learn more. 

First steps to take after your car is totaled 

The first and most important step to take after you’ve been in a serious accident is to get to safety. Once you are safe, you can call for roadside assistance and medical help. Don’t try to move your vehicle or direct traffic, just get yourself to a safe spot. Ask for a copy of the police report for your records.

Next, you will want to call your insurance carrier. They can direct you to the next steps to take. Be sure to find out which service providers are covered by your policy. If you are injured and seek medical attention, you will want to give your auto insurance information rather than your health insurance policy number. 

When it comes time to file a claim, it’s a lot easier to work with your local agent than to try to tackle the paperwork on your own. 

You can rely on us!

Irvington Insurance is here to help the residents in the greater Indianapolis, IN area with all of their insurance needs. If you want to know what to do after your car is totaled, just give us a call. We are proud to serve our community and look forward to working with you too. Give us a call or stop by today!

Why basic auto insurance isn’t always the right choice

Auto insurance is something that most states require you to have. If they don’t require insurance, they do require you to show financial responsibility. The mandate is for liability coverage. The amount varies from state to state. At Irvington Insurance in Indianapolis, IN it is our responsibility as independent insurance agents to make sure all of our customers have not only the mandated amount of auto insurance but the amount of auto insurance that is right for them.

You Need More Than The Basics

In Indiana, the basic amount of auto insurance that is required is 25/50/25. This is $25,000 for the first injury in an accident with $50,000 for total injuries and another $25,000 for property damage when you are responsible for an accident. 

If your vehicle is financed or leased, you will need to protect your vehicle as well as other drivers.  This means carrying two additional types of coverage, collision and comprehensive. 

Collision coverage protects your vehicle from collisions where you are responsible, whether with another vehicle or in a one-car collision with a stationary object. It also covers your vehicle if you are in an accident with an underinsured or uninsured driver or if you are the victim of a hit and run. 

Collision coverage protects your vehicle from a plethora of things you have no control over. You can’t control lightning from hitting a tree and sending a branch careening onto your vehicle. You can’t control floodwaters from damaging your vehicle. If your vehicle is stolen or vandalized, comprehensive coverage takes care of it. 

If you count on your vehicle to live your life, to go to work, run errands, etc, it is important to have your vehicle. Unless you have a lot of money, basic coverage just won’t cut it. 

Contact Irvington Insurance in Indianapolis, IN to discuss your auto insurance needs.

Is Auto Insurance Required in Indiana?

Irvington Insurance serves Indianapolis, IN and its surrounding area and has many insurance offerings that can help keep you and your family safe. From home insurance to auto, life, and commercial insurance, we have something for everyone.

In this post, we’ll be sharing the importance of auto insurance and how you can properly protect yourself and your family while on the roads in Indiana. 

The state of Indiana requires all drivers to carry liability insurance. Additionally, you must have uninsured and underinsured motorist coverage. The required amount of liability coverage is $25,000 per person, with $50,000 total per accident and $25,000 for property damage.

While this is a good start, it is the bare minimum protection you can have. If you have young drivers or a large family, you’ll want to ensure everyone on your policy is fully covered and protected. 

Driving in Indiana is the primary way residents here get around; from commuting to work, driving to school, running errands, and the like – having a vehicle is essential if you live in the Indianapolis, IN area. 

Because so many people drive in this area of the country, the risk involved in driving increases significantly. With more drivers on the road comes a higher risk of collision or accident. You may be a cautious and safe driver, but you can’t control who is on the road when you are and what they’re doing in the car. 

A full coverage auto insurance policy gives you peace of mind every time you get in the car. Knowing that if you do get into an accident, whether it’s your fault or not, your insurance plan will protect you financially is a huge relief. 

If you need auto insurance, contact Irvington Insurance today. We’re here to help!