March 2021


Involved in an Accident? Here’s How a Car Insurance Claim Works

If you have recently been involved in an accident it could, unfortunately, translate to financial liabilities on your vehicle, depending on how badly it was damaged. If you have insurance, congrats! However, navigating the car insurance claim process can be tricky. There is a lot of emphasis placed on buying insurance, but not many people know what to do during the claims process. In this guide, we will break down the car insurance claim and what to do if you ever get in an accident.

Talk to Your Claims Representative

The first step of the claims process is talking with a claims representative after your accident. This claims representative will discuss damage to your vehicle, estimate of repairs, your policy coverage, and other relevant information to ensure you’re on the same page with your insurer. It is often easy to monitor the progression of your claim by logging into your account on your insurer’s website.

Use a Rental Car

While the claim validation is ongoing, you will need to make arrangements for a rental or another car you can use while the process continues. Most auto insurance policies have a rental reimbursement allowance which will cover the daily charge of your vehicle, eliminating additional out-of-pocket costs.

Await the Investigation

When there is more than one vehicle involved in the accident, you will need to wait for the insurance representative to conduct an investigation. This investigation will cover all parties involved and ensure that all areas are covered. The representative will determine liability, cost of repair and parties to be settled.

Repair Your Vehicle

Once the investigation is complete, your vehicle can then be repaired at any auto repair shop of your choosing. Some insurers have partner shops they will recommend for you but the decision rests in your hands, especially if you have a repair shop you already trust.

Give Feedback

Although it may not seem important, feedback is crucial to help you improve the processes of your insurer. This will help them to fix any problems they may have with their processes and offer better service to you and other customers the next time around. Giving honest feedback is a critical procedure that will help your insurer fine-tune their process and make your next claims experience faster and better.

If you have never gone through the claims process, this is a guide that will help you get through smoothly. If you are having problems during your claims process, contact your insurer for immediate resolution. If you are looking for a reliable insurer for your vehicle, you can check us out at Abatelli. We will help you to find a suitable insurer for your vehicle in no time. Contact us today!


Cybersecurity Tips to Protect Your Business-Related Emails

If you run a small business, then it may be difficult to get external help like most public and large corporations do. One area where small businesses might need help is email security. In this article, we have highlighted a few tips which you can use to protect your business emails, even if you cannot afford external IT help.

Here are five cybersecurity tips for small businesses that can help you protect your email:

1. VPNs

VPNs, virtual private networks, are used when individuals want to browse privately and anonymously on the internet. If you have employees or vendors who will be accessing your business emails from outside the office using unprotected WiFi services or public WiFi, they should use a VPN to hide their activity. This is advantageous for small business security because it helps prevent breaches from leaked data caused by the use of unsecured internet infrastructure.

2. Strong Passwords

Passwords are used to protect your email from intruders who try to break in. You must use a password that cannot be easily cracked. Some email providers recommend that you use a mixture of upper and lowercase letters, numbers, and symbols to create a sturdy and impenetrable password.

3. Encryption

Information that is sent over the internet, like messages, photos, videos, and emails, can be encrypted. Information that is not encrypted can be intercepted and the information can be stolen. You should invest in low-cost encryption tools that can be used while sending sensitive information over email.

4. Two-Factor Authentication

Two-factor authentication is a process where you attach a trusted number to your email account, generating a code that is required to log in to your email account. This is a security system designed to protect your account in the event intruders gain access to your email password and try to get into your account. Without this unique password, they will be unable to access your account. To further improve security, ensure the phone number isn’t easily accessible.

5. Avoid Suspicious Emails (Phishing)

Hackers will sometimes send out malicious email messages resembling legitimate companies in a bid to get you or your staff to click on harmful links. These links could allow them to gain access to your emails, bank account information, or any other credible information they need to steal from you. Train your staff to recognize suspicious emails that promise them rewards if they click on a link.

Is It Dangerous to Share Your Email Id with Social Sites?

Social media platforms may ask for your email id to connect you with friends. However, there have been privacy-related lawsuits against many of these platforms. So, it is better to avoid sharing your email login credentials with such sites.

There are numerous ways bad actors can gain access to your small business emails but these useful tips will help keep you safe from harm. Identifying cybercrime and stopping hackers before they can breach your system is of the utmost importance. Talk to the team members at Abatelli Group, Inc. to find out how we can help protect your business from potential cyber-attacks. With reliable commercial insurance, we can help your business’s future. Contact us today to get started.


COVID-19 Update

We are no longer working remotely. You can reach us at (718) 352-6000 Letter to Policyholders