Answers for your frequent questions
There are some exclusion’s; so you would need to look at your particular insurance policy to make sure. Remember, everyone in your household must be listed on your insurance policy if they have a license. For example, if a girlfriend you live with uses your car, she may not be covered if you did not list her on your insurance policy. On the other hand, if you live separately, she could use your car with your permission and be covered.
- Automatically from your credit card or financial institution
- Over the phone
- By U.S. mail
Other than collision/comprehensive generally means physical damage to your automobile due to the following types of losses: fire, theft, vandalism, explosion, earthquake, windstorm, hail, water or flood, riot or civil commotion, contact with a bird or animal, breakage of glass. Common types of other than collision/comprehensive losses are windshield breakage/damage, hitting a deer, and vandalism.
Whether you should purchase/keep or drop full coverage on your vehicle includes additional considerations. As always, should you have any questions about coverage or how it applies, please don’t hesitate to contact Gallant Insurance, Inc.
If you’re like many people, you might be in an economic pinch these days. Your inclination might be to get the minimum insurance coverage required by law in your state. The trouble with minimum coverage is that it might not fully protect you — or your assets — if you’re at fault in an accident. It’s a better idea to carry more than the minimum coverage unless you are driving an older car with little value and have no assets to protect.
Even though each state, except for New Hampshire, has minimum requirements for bodily injury liability, it is probably in your best interest to purchase higher limits. If someone else is injured and you’re at fault, the minimum liability coverage may not cover the other motorist’s medical expenses, in which case he or she will most likely come after your assets. Insurance experts generally recommended that you purchase 250/500/ limits of bodily injury liability (meaning $250,000 for one person in an accident and $500,000 for all people injured in one accident).
If you’re looking for more coverage, you may want to consider purchasing the additional insurance offered by a rental car company.
Please contact your insurance agent to confirm what you policy will cover you for while renting a car.
Under Insurance Needs then payments/claims please change our number from 603.644.4663 to 603.224.0993 and our after hours answering service number to 603.666.6152
Please correct our office hours to Monday through Thursday from 9am to 4:30 and Fridays from 9am to 4pm
Here are a few tips for completing and storing your inventory:
- Add brand names and descriptions where you can, especially on large-ticket items.
- Keep any receipts you have with the list to make the claims process easier.
- Store your video or photo inventory offsite so you won’t lose it if your house is damaged.
- Update your personal property records when you purchase new furnishings and valuables.
There are a number of online services and software options you can use as well to help you organize and store your inventory remotely.
Comparing the value of your belongings to the “contents” limit listed in your policy helps you make sure you have enough insurance to replace them if they are lost, stolen or destroyed as a result of a covered loss.
If that’s not enough to make you consider doing an inventory, having one also makes filing a claim easier.
Ask us about full value coverage, which will pay for the replacement value of your personal belongings. A standard policy typically covers personal property only up to its actual cash value, determined by taking the replacement cost and deducting depreciation, which can be substantial.
Remember, your homeowners policy covers valuable items such as jewelry, art and antiques, only up to set dollar amounts. If the cost of replacing them exceeds these limits, you may want to purchase scheduled personal property coverage.
For years I had been driving by Gallant Insurance Agency and had been noticing on their billboard that they were saving customers thousands of dollars in premium fees. I contacted Gallant Insurance Agency and within 3 business day’s we had an insurance quotes for our home and all 4 of our vehicles. The savings was about $158.00/month ($1896.00/year). Within one week Paula Gallant had prepared our new policies and we were on our way to saving money and working with an agency that gives the “personal touch.” Thank you Gallant Insurance Agency. We look forward to a business relationship for many years to come.
– Sue and Michael Berntsen