Uninsured motorist coverage in Tumwater, WA

What To Do If You’re Involved in a Hit and Run Accident

What to do after a hit and run accident in Tumwater, WABeing in a hit and run accident can be a very frightening event. Being prepared to know how to handle the situation when it occurs will help you deal with the shock of it, as well as ensure you are covered for the loss when it does happen. While hit and run accidents will happen to almost every driver, whether their car is parked and unattended, or while they’re driving, knowing these things will help you deal with the unfortunate situation.

Safely park your vehicle: If you happen to be driving when the accident occurs, safely pull the vehicle over to the side of the road. If possible, carefully write down the license plate and description of the vehicle that struck you. This will aid police in locating the driver. Often time, your vehicle will be struck in a parking lot while unattended. In the event this happens, look for any signs of the other vehicle. Is their paint transfer that would indicate the color of the vehicle? Is there a note on your windshield? Are their security cameras such as at the gas station?

Assess any Injuries: If someone is injured, take care of their immediate needs and quickly call 911. It is typical to be jittery after such an event so catch your breath too.

Call police: Once you’re safely parked, you’ll need to get a police report. Many police stations will not respond if there are no injuries, so you’ll want to still turn in a police report for the incident. Many insurance companies will require this documentation in order to use your UMPD (uninsured motorist property damage) insurance coverage.

Gather any witness information: If anyone is standing there and offers you their statement, jot down their phone number and name. Your insurance company will want to talk with any witness to the accident.

Call insurance company: Sometimes even though vehicles collide, the damages may be limited, so you’ll want to take a close look and determine if you want to pursue a claim. While hit and run accidents may be a scary encounter, they may not require body work to your vehicle. Also keep in mind that if you don’t carry the correct coverages for hit and run (often times referred to as uninsured motorist property damage) your claim will be handled under a collision loss. Deductibles will likely apply in both cases.

While we hope you never have to experience a hit and run accident, being prepared will help you tackle the unfortunate situation.

JBR Insurance in Tumwater, WA was established in 1994 and is family owned & operated. We have years of insurance experience and can help you insure everything from your home to your auto or motorcycle. Since we live where you do and are an independent insurance agent, so we can help you find the right company to fit your needs.

If an Earthquake Hits, Is My Home & Property Covered?

Earthquake Insurance in Tumwater, WAWe are overdue for a powerful earthquake to strike the United States. Experts predict that this will happen and it will cause billions of damage to homes, property and the environment. While we don’t have a timeline for when this will happen, nor are they certain that California & the Pacific Northwest are the only vulnerable areas, you can always make sure you and your family are fully prepared today.

If an earthquake hit, would I be covered?

The typical homeowner’s insurance policy does not cover earthquake loss. Earthquake insurance is insurance for your property that pays you in the event an earthquake causes damage to your property.

To learn more about what earthquake insurance covers and what isn’t covered, please call our offices today for a free, no obligation quote. Our insurance agents can determine the appropriate insurance coverage for your needs and finances.

Prepare Your Home with Tips from Earthquake Country Alliance!

Step 1: Secure Your Stuff

Since earthquakes can shake almost anything, it’s important to be aware of where your heavy or large items are located in your home.

  1. Do you have something heavy that can fall on you in a room you visit often?
  2. Keep heavy or unstable items away from doors or escape routes.
  3. If you have something heavy sitting on a shelf, see if you can lower it to a low shelf or the floor.
  4. Secure specific items in your home like your water heater, furniture, TVs, mirrors or art, appliances and more! This can be done with straps, studs or closed hooks.

Step 2: Create a Disaster Plan

  1. Identify where your safe spots are in every single room in your home. Can you drop, cover and hold in every room?
  2. Purchase a fire extinguisher and flash lights for your home. Keep them in a spot you can easily access.
  3. Make sure everyone in your home knows how to shut off your utilities: gas, water, electricity.
  4. Keep important documents in a safe. Also keep a list of important phone numbers for anyone in your family to access.

Step 3: Put Together an Emergency Kit

  1. Keep this in an area you spend a lot of time at in your home. It’s even better if you have a kit for your car or work.
  2. Items to consider: A whistle, flash light, first aid kit, non-perishable food, water, portable radio, protective work gloves or goggles, blankets, a can opener for canned food or copies of important documents.

If an earthquake strikes, DROP, COVER and HOLD.

Drop- Drop to your hands and knees to prevent yourself from having a fall, but also to have the ability to crawl to safety.

Cover – Cover your head and neck. If possible, crawl under a table or desk. If there isn’t anything available, crawl to an interior wall (away from doorways and windows). Use your arms to protect your head, neck and organs.

Hold – Hold on until the shaking stops. If you are under a table, hold onto it with one hand. If you do not have shelter, hold onto your body with both arms.

Step 5: Reach Safety after the Shaking Stops

  1. Evacuate to a higher ground if a tsunami is possible.
  2. Check for immediate injuries or damage. If bleeding is occurring, apply pressure on the wound.
  3. Remember your evacuation plan – where is a safe place to go?
  4. Prevent further damage – fires, gas leaks, fallen items, electrical wiring or spills can all cause more damage after an earthquake occurs. Be sure to shut off electricity or gas and have your fire extinguisher ready to use.

Step 6: How to Recover

  1. Once you have dealt with immediate damage, other items will require your attention.
  2. If you have an earthquake insurance policy, take pictures of the damage to your home and property. Then contact your insurance company to begin the claims process. Be sure to keep a record of repair costs.
  3. Not all earthquake policies are the same. Our agents can help determine the best coverage for your needs and finances. Call us today to receive a free earthquake insurance quote.

JBR Insurance in Tumwater, WA was established in 1994 and is family owned & operated. We have years of insurance experience and can help you insure everything from your home to your auto or motorcycle. Since we live where you do and are an independent insurance agent, so we can help you find the right company to fit your needs.