September 2017

21
Sep

What to Do When You Get a Flat Tire

Changing flat tire is something every motorist should know how to handle. 

It happens to the best of us. Whether you run over a sharp object or your tires wear down so much that they rip, getting a flat tire can happen to any of us. When this does happen, you’re left with the hassle of either changing it yourself or towing the vehicle to the nearest mechanic to have them replace it. When you discover that you have a flat tire, what you do next is critical to your safety. 

When your car is parked: 

  • Inspect it to see if you can spot any foreign objects such as a nail or a staple in the thread. If you don’t feel anything, your tire might just be low on air. 
  • Put on your spare tire. It’s never wise to patch it yourself. Put your spare on and drive to a nearby service center for repair. 
  • Don’t drive long distances on your spare tire as this can cause more damage to the tire’s casing and integrity. 
  • If you don’t put the spare on, call Roadside Assistance. 

When you’re driving: 

If you don’t hear your tire going flat, you’re going to feel it. When you have a flat tire, and you’re driving, it’ll feel like your vehicle if being pulled to one side and that you can’t accelerate. 

  • Safely and swiftly pull over. Get as far to the edge of the road as you can so that you’re not at risk of getting injured by opening your door and getting out to inspect the tire. 
  • If you have safety cones, set them down behind your vehicle to give other drivers an extra warning. 
  • Put the spare tire on or call Roadside Assistance. 

Roadside Assistance is a valuable coverage within your auto insurance policy! The tow truck will either take your car to the nearest mechanic or the mechanics can help you to change your tire, if you have a spare, so that you get back on the road quicker!  

Are you ready to secure Roadside Assistance in your auto insurance policy? Make sure that your car is protected with the right auto insurance policy. Contact Abatelli Group, Inc. for a proper quote on your insurance needs. 

7
Sep

How Do I Choose the Right Homeowners Insurance Deductible?

Get the most out of your home insurance with a deductible to suit your needs. 

Choosing the right deductible is vital to protecting your home and finances. Every policy has a deductible so every person buying homeowners insurance will have to make this decision (no, there’s no avoiding it!).  

Selecting a deductible limit that suits your needs and budget enable your home to stay protected, your money to stay in your pocket, and your belongings to stay safe. In short, what more could you want? 

What is a deductible? 

A deductible is a total amount that you have to pay out-of-pocket before insurance kicks in. If you have a $1,000 deductible on your home insurance, in the event of an accident or damage from a listed peril, you are responsible for the first $1,000 of accident-related payments, and then the insurance company will handle the rest (up to the policy limit).  

There are generally two types of deductibles: a dollar-amount and a percentage based. The difference between them is how your deductible is calculated, and there are a couple of factors depending on how much your home is valued at. Once calculated, a homeowner pays if they file a claim is fixed for the length of that policy. 

How to Choose: 

When selecting a deductible, you’re really balancing the short-term cost that you can afford (your deductible) and the long-term cost of your policy (your premiums). A higher deductible means lower monthly premiums. But before selecting a high deductible right off the bat, consider if you can afford this high out-of-pocket cost in the event of an accident. 

There are other reasons it makes sense to raise your deductible. Every insurance company is different but typically, if you file a claim, the cost of your premium can rise because, in essence, you’ve become a riskier and costlier homeowner to insure.  

Make sure that your home is protected with the right home insurance policy. Contact Abatelli Group, Inc. for a proper quote on your insurance needs.