What to Expect When Following A Loss

We know that at times insurance policies can be seen as complicated and difficult to understand.

Even if you are somewhat familiar with the policy prior to a loss occurring, it can be still be confusing. Lack of policy knowledge prior to a loss can make the process more challenging. If you are involved in an accident but don’t know the basics of the claims process then this can result in delays initiating the claim and this can hinder the ability of the insurance company to fully investigate the accident. This can also make it difficult for them to accurately assess the situation. As an insurance agency we know that part of our responsibility to you, the policyholder is to educate you and to help you make the policies and the claims process as stress-free as possible. Because of that we are offering the “5 Steps To Prepare Yourself For A Claim.” This tip sheet gives you important insights into your policy and outlines some of the critical steps to take in the event of a loss to make the claim process easier for you and the insurance company.

By: Niklas Almström, Insurance Advisors, Inc.

Insurance claims process tip sheet.

Commercial Driving Safety Tips

Commercial Drivers

Commercial Driving Safety TipsBesides the obvious dangers of everyday driving with motor vehicle accidents, drivers are susceptible to injury on long stretches of driving and other events in their day-to-day work activity. Poor diets, lack of sleep or exercise are issues for many drivers and can lead to greater injury. Sitting improperly, handling cargo improperly, or getting into or out of a vehicle the wrong way can cause many injuries such as muscle strains, back and neck injuries and other disorders. Injuries as such can generate costly workers compensation claims with workers being out for extended periods of time. These injuries can lead to the reducing of a driver’s range of motion, which inhibits his or her ability to avoid on road risk. Here are a few tips for your drivers to help them on the road:

Adjusting the Seat Tips

  • Knees should not be higher than the hips.
  • The front of the seat should not contact the back of the knee. Such contact will cause drivers to slide forward into a rounded posture.
  • You should be able to depress pedals all the way without twisting the back or moving away from the seat.
  • If possible, adjust the lumbar area of the seat to provide gentle support. A towel or lumbar roll may be added to support the low back, if needed.
  • Slightly recline the back so the angle between the back and legs is approximately 110 degrees. Shift the body often, but stay close to this position.
  • Position the steering wheel to keep elbows as close to the sides as possible, minimizing reach.
  • Be sure instrumentation is easy to see.
  • Adjust mirrors so you can see all of them without slouching or twisting. Use the mirrors as a cue to sit up when you slouch, instead of readjusting them.

Driving Tips

  • Vary your seat position slightly every 30 to 60 minutes to vary the stress on your body.
  • Change hand position on the steering wheel often. Do not squeeze harder than necessary.
  • Use a steering wheel cover to protect your hands from a cold wheel.
  • Use a gel seat cushion if the truck vibrates too much.

By: Niklas Almstrom

Auto Accident Tips

With an auto accident happening roughly every 14 seconds even the most careful drivers may be involved in an accident, so everyone should be prepared in the event it does happen.  Auto accidents are unexpected and stressful but these tips can help ease the difficulties of the situation and help in reporting the claim. Starting with being prepared by carrying a set of cones, warning triangles, or emergency flares in your trunk to help alert traffic. Then in the event of an accident:

  • Stay Calm - call an ambulance if it is needed and always call the police.
  • Stay Safe - there are still risks with traffic, fire, injury, debris and weather.
  • Stay Smart - Be courteous to others, but do not admit fault, and always protect your identity.

It’s a good idea to have a camera (camera phone) to document the accident for your auto insurance claim. Staying safe is important while taking pictures, do not take pictures if it puts you or others at risk of injury. If the situation allows take pictures of:

  • License plate(s) of the vehicles involved
  • Damage to other vehicles involved
  • Damage to your vehicle
  • Landmarks, street signs or address markers to identify the location
  • Damage to any property or objects at the scene