Common Auto Insurance Questions and Answers

Auto insurance can be difficult to understand. There are however some commonly asked questions that span most agencies and that have fairly basic answers. For those that live in the Wayzata, MN area, Pizano Insurance can help answer these common questions.

What Coverage Do I Need?

This is one of the most common questions. The answer is it depends on the actual vehicle. Basic requirements are liability insurance or the least amount that is required by both state and federal law. These amounts may vary depending on what state you live in but for the most part these policies require coverage between $10,000 and $25,000. This is to cover the basic fees and bills associated with an accident. If you have a loan out on your vehicle or you are paying for it through a third party lender you are required to hold full coverage insurance.

How Do I File A Claim?

This is another common question. The first step is to make sure you thoroughly document the accident. This is going to insure a speedy claim and an accurate claim to boot. You can then go through your insurance agent to help file your claim and provide your insurance company with the needed material to complete the claim. It is far simpler to talk with your agent about how to file your claim and what information is needed.

How Do I Change My Policy?

You can change your policy at any time by contacting your insurance agent or by contacting your insurance company directly or online. If you have questions, an insurance agent is the fastest and most accurate way to get the answers you need.

If you live in the Wayzata, MN area and have insurance questions or needs, contact Pizano Insurance today.  

Steps to Take to Prep Your Home for Winter

It seems as though everyone loves fall and the weather it brings. While fall is great, winter is closely following. With the fall season so jam packed with events, it is easy to let the season slip by. If you are a home owner, you should take some time to prep your home for winter before it gets too cold. Use these tips from Pizano Insurance to get started today.

  • Get your Heater Examined. One of the biggest issues that people run into during the winter months is a heating system that will not work. When it gets cold, that is one of the things you need to work. Before running the risk of not having heat, get your heater looked at now before you need it. You probably haven’t used the system in many months and you should ensure it is ready to go. Another thing to do at this time is replace your filters around the home for increased efficiency.
  • Clean out Your Gutters. During the fall, many leaves will likely get stuck in your gutters which will not be good once it starts raining and snowing in the area. You should clean these out once all the leaves have fallen so they will continue to work well through the remainder of the year. Another thing that can happen is your gutters may become infested with bugs if they are not cleaned out.
  • Get a Home Insurance Policy. One of the best things you can do to protect your home no matter the season is get a home insurance policy. This is a great way to prepare for the unexpected. Even with prepping your home for the season, you will not be properly prepared without having a home insurance policy.

If you are interested in getting a quote for a home insurance policy, be sure to contact us at Pizano Insurance, serving Wayzata, MN.