3 Tips to Avoid Fender Bender Fraud

Posted on by AgentInsure

Fender benders are typically thought of as annoying, but ultimately inconsequential accidents. However, although not as serious as other collisions, fender benders can be devastating, particularly if fraud is involved. The following suggestions will help you keep fraudsters at bay:

1. Be careful in parking lots

Parking lots are prime breeding grounds for fraudulent fender bender accidents. Whenever possible, park far away from all other vehicles. And if waved at to back out of a spot, take heed — this is when many fraudsters strike.

2. Don’t give the other party the benefit of the doubt

It’s tempting to think the best of the other person involved in the collision — but that’s exactly what fraudulent drivers want you to do. The last thing you should do if involved in a fender bender is walk away. This is especially true if the other party seems eager for you to avoid further involvement. Your suspicion should also be aroused if the driver and other vehicle occupants claim to have sustained extensive injuries that are not commensurate with the speed you were driving at the time of the accident. Although it is possible to be severely injured in low-speed collisions, your guard should still be up if the ‘victim’s’ injuries may seem excessive.

3. Take pictures

Once you’ve decided to remain on the scene, documentation is essential. Take several pictures of the damage, of the location, of the other driver, and of that person’s driver’s license. The more pictures you take, the easier it will be to protect yourself later on.

Even if you have safe driving habits and engage in other precautionary measures, it is important to seek good coverage. Get in touch with The Select Insurance Agency to find the best possible coverage for your vehicle.

 

Insurance for Summer Vehicles

Posted on by Jeri McShan

We’re approaching Summer very quickly here in Coppell! It’s time to make sure you have up to date insurance on your recreational vehicles, motorcycles, boats, personal watercrafts, etc.

Call The Select Insurance Agency today for help with a new policy or to compare rates on a current policy you may already have. You can also go on-line to get a fast free quote. Either way, we’re here to help!

Protect Your Financial Future With Home Insurance

Posted on by AgentInsure

Your home is likely the largest investment you will make in your lifetime. As a result, it makes sense to protect it at all costs. Fortunately, purchasing home insurance from The Select Insurance Agency provides your family with multiple protections, including the following:

1. Home Insurance Protects You from Severe Weather

At The Select Insurance Agency, we can’t prevent you from going through a severe storm, but we are there for you when it’s over. Our homeowner’s insurance helps provide you with the coverage you need to rebuild or repair following damage caused by the weather. Whether you have incurred damage to the outside of your home or to a boat on your property, with the right home insurance plan, we can help you recover.

2. Home Insurance Protects You from Fires

Fires are one of the leading causes of damage to homes. A fire can start due to weather, an accident involving a grill, or by a faulty electrical system. Since fires are risks that are unknown, but ever-present, it makes sense to protect your family from a potential fire at all times. Our home insurance does that for you. With the right home insurance, you can rest assured that if you experience a fire, we will be there to help you put out the flames.

3. Home Insurance Protect You from Liabilities

If you don’t know, it’s important to realize that you are responsible for individuals who visit your home. Guests how are injured on your property can sue you. If you are found negligent, then you could be forced to pay a hefty settlement to the person visiting your home. Fortunately, with home insurance, you have coverage for liabilities that happen on your property. Instead of you absorbing all the financial consequences that result from a slip and fall, we are here to help.

At The Select Insurance Agency, insurance is our business, and we like enjoy it. If you own a home, or you are about to purchase a home, let us help you insure it.

3 Household Items That Can Be Recyled For Use In The Garden

Posted on by AgentInsure

Do you cringe at the thought of your household items being tossed in a landfill? There are several ways you can do your part to lessen the amount you contribute to the landfill, one of which is to reuse certain items for your garden. Reusing household items for the garden will also help you save money on some of the garden supplies you need. Here are a few suggestions for household items that can be recycled for use in the garden.

Empty Egg Cartons
Empty egg cartons are great trays for starting seeds. You can use either the plastic or the paper egg cartons, but if you use the paper ones, they can be planted directly into the ground when it’s time to transplant. When using Styrofoam cartons, make sure to poke holes in the bottom for drainage.

Vegetable Scraps
Instead of flushing scraps down the garbage disposal or in the trash can, use them for a compost pile. There are compost bins available a range of sizes, so even if you don’t have a lot of vegetable scraps, you can still make a small amount for your plants.

Newspapers
Old newspapers can be used in a variety of ways, such as adding them to your compost pile or shredding to use as a weed blocker. To use newspaper as a ground cover to block weeds, cut an X in the newspaper and fold it back. Place the plants in the area you cut, and fold the paper back around the plant. Top the newspaper with mulch. Newspaper can also be folded up to make small pots that can be used for starting plants, then transplanted paper and all into the ground.

These are only a few of the ways to recycle and reuse household items. Before throwing something away, simple let your creative process go to work and think about ways to recycle the item instead of throwing it away.

Spring is the time for renewing your garden and it’s also the time to think about your homeowners insurance. Residents of Coppell, TX should contact the Select Insurance Agency to review your current homeowners policy or to get information about starting a new homeowners policy.

Spring Driving Tips for Coppell and Texas Drivers

Posted on by Jeri McShan

Winter may be known for treacherous driving conditions, but spring driving can present its own dangerous situations, from wind and rain to abundant wildlife waking up from hibernation. Follow these spring safe driving tips to help you prepare for spring’s driving challenges in Coppell or surrounding Dallas/Ft. Worth, Texas areas.

  • Perform maintenance. Spring is the perfect time to visit your mechanic. Check fluid levels, tire pressure, suspension system and brakes to help reduce risk of a breakdown.
  • Watch for pedestrians. When weather improves, expect more pedestrians, especially in residential, shopping and recreational areas.
  • Expect construction. Slow down and be aware of road and traffic conditions when entering work zones.
  • Anticipate motorcyclists. Motorcycle season starts in spring. Watch for motorcycles at intersections and in your blind spots when passing or merging.
  • Share the road. Be prepared to share the road with bicyclists. They have the same rights as other vehicles on most roads.
  • Prepare for stormy weather. Learn more about driving in spring storms like tornadoes, flash flooding and hail that threaten your area.
  • Know when to seek shelter. Spring weather can be unpredictable. If caught in a severe storm that makes driving hazardous, find a safe place to park until weather conditions improve.
  • Expect more animals. Spring brings more activity in areas where wildlife is common. Slow down so you can stop safely if animals are on our near the roadway.
  • Travel safely. If traveling long distances during, plan ahead to avoid late-night driving and take turns behind the wheel with a fellow passenger.

https://www.travelers.com/resources

Coppell, TX Residents Can Avoid Fender Bender Fraud

Posted on by AgentInsure

There are scammers everywhere. They’re opportunists who find a vulnerable moment and figure out how they can proper from it. It happens frequently during automobile accidents. But, you don’t have to let yourself be victim to fraud. 

1. Report to the Insurance Company

Your insurance company requires you to report every accident to them. This isn’t so they can raise your rates every time your car receives a minor scratch. Part of the reason they want you to file a report is so they can protect you in case of insurance fraud. They want to be able to represent you and protect both you and them from having to pay, especially for fraudulent claims. 

2. Take Pictures

Don’t feel embarrassed or bad to whip out your camera phone and start clicking pics of everything that pertains to the accident. The other party wouldn’t feel bad if the tables were turned. You need to focus on you and protecting what’s yours. Get images of both vehicles that were in the accident. You’ll want to get pictures from all angles, so new damage doesn’t magically appear. It doesn’t hurt to get pictures of the other person’s driver’s license, insurance information and license plate. This makes it impossible for him or her to run away from the accident if it was their fault. It makes it easy to file an insurance report against them as well. 

3. Avoid Traps

Some people don’t just look for a prime opportunity; they make it happen. For instance, they might stop quickly in front of you, so you’ll rear end them. Don’t fall for. Always drive the speed limit and remain far back from the car in front of you to give enough space for you to stop abruptly if you have to. 

The right insurance company can help protect you from fraud during a fender bender. That’s why you should contact The Select Insurance Agency today!

Prepare for Storm Season in Coppell

Posted on by Jeri McShan

Storm season is here! In the event of a tornado, you’ll want a few emergency items on hand in the room or closet you will be taking shelter in: flashlight, batteries, storm radio if you have one, water, snacks, pet food and leashes, socks and shoes (I was in the 1979 tornado in Wichita Falls and our house fell on top of us. We walked away, but I had no shoes to walk in all that debris. Trust me, you’ll want shoes!) Remember to grab your cell phone and car keys. Hopefully, we won’t need to take shelter here in Coppell, but it’s always a good idea to be prepared!

 

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