Does Your Auto Policy Provide Adequate Medical Coverage?

Residents in the greater Pismo Beach, CA area may be surprised to learn that their auto insurance policy may not have the proper amount of medical coverage for their needs.  The team at Neff & Associates Insurance Services Inc is here to help you find the auto insurance policy that meets the needs of you and your family. Experiencing an auto accident is traumatic enough, and there is no reason to add financial stress and pressure to the situation. We are here to help you determine which policy levels are right for your needs.

Does Your Auto Insurance Provide Adequate Medical Coverage?

When you are involved in an auto accident your insurance provides medical coverage, but what if your accident-related medical expenses exceed your policy limits? For many people, their primary health insurance policy will step in to cover any excess expenses. If you do not have medical insurance, or your policy has low limits, you may then become responsible for the excess expenses. This is especially true if your accident involved an under or uninsured driver. Now is the right time to have your policy reviewed for completeness. Don’t wait until you are involved in an accident to find out that you do not have the coverage you need! Our team is here to review your auto policy medical coverage benefits and help you determine the policy levels that are right for your personal situation.

If you are unsure if your current auto policy provides the medical coverage that you need, the team at Neff & Associates Insurance Services Inc is here to help. We welcome the residents of the greater Pismo Beach, CA community to call or stop by and have their policy reviewed to ensure that it meets your needs.

Do I need to do a home inventory?

Most people own more things than they realize. You assume that you will remember everything that you have but if something should happen to your home and you need to tell your insurance company what you lost,  would you be able to remember what was in every room, every closet, every drawer and even in the attic or the basement? The answer is probably not. Having a home inventory can help to make sure that you can replace all the things that were lost. In Pismo Beach, CA the friendly staff at Neff & Associates Insurance Services Inc can help you to understand the importance of a home inventory.

Creating a home inventory can be very time-consuming. A two-pronged approach is best. Take a detailed inventory of each room and then follow up with pictures. For higher-priced items, it is wise to have proof of purchase including the cost. For items like jewelry, an appraisal may be necessary to prove the value. How detailed the inventory needs to depend on the type of replacement coverage that you have. Don’t forget things like Christmas ornaments that may be stored in an attic or basement. 

Once you have created the inventory it is important to store it in a safe place. A safety deposit box is a good option if you have one. If not, at least be sure that it is in a fire and waterproof container. Storing it away from your home is the best option. 

When it comes time to put together your home inventory, why not stop by the office of Neff & Associates Insurance Services Inc or give them a call to discuss this important document. If you live in Pismo Beach CA or the vicinity, they will be happy to help.