Auto Insurance Archives | Casa Grande Insurance Agency

Understanding Car Insurance Deductibles

January 16, 2019 by Steve Gebhardt

An auto insurance deductible is a specific amount that you will “pay out of pocket” when you file a claim. Your car insurance deductible will likely impact your insurance rate, often referred to as your insurance premium. You will need to pay your deductible before your car insurance company will pay to repair your car. Common deductible amounts are between $250 and $1000. Understanding deductibles is critical because auto insurance coverage is a necessity for drivers that continues to be more and more expensive. When shopping for car insurance, it is recommended that you seek help from a professional insurance agent. The Gebhardt Insurance Group in Casa Grande will be sure you save money and help you fully understand your insurance coverages.

Example Scenario

In this scenario, we will assume that while parking your vehicle you struck a fire hydrant. It is then determined that the repairs will cost $5,000. If you have a $500 deductible on your collision policy, you will need to pay $500 first. Your insurer will then pay the remaining $4,500 needed for the repair.

When Do Deductibles Apply?

All drivers in Arizona are required to maintain liability insurance. This coverage pays for injuries or property damage to others if you are deemed financially responsible for an accident. Deductibles do not apply to this form of mandatory coverage. Other optional types of insurance where deductibles generally do apply include collision and comprehensive coverage.

Collision coverage is used for repairing or replacing your vehicle if you strike another car or object.
Comprehensive is for repairing or replacing your vehicle in the event of some other circumstance such as theft, vandalism, fire, etc.
When a driver adds collision and comprehensive coverage to their policy they are considered to have “full coverage”.

The Rising Costs of Auto Insurance

One reason why deductibles are important is that the cost of repairing or replacing a vehicle continues to rise. Recent data from Arizona insurers shows the average annual premium for full coverage ranges from roughly $2,264 to nearly $5,000 annually. Your premium is calculated based on many potential factors. Your insurer may consider your age, past driving history, history of insurance claims, the replacement value of the vehicle and more. Where you live is also a critical factor. Rates tend to rise in larger urban areas for reasons such as increased traffic volume and likelihood of theft.

Arizona Locality[1]	Average Rate (Full Coverage)
Phoenix	$4801.15
Tucson	$4027.41
Casa Grande	$3747.34
Flagstaff	$3442.05
Prescott	$3286.79
Lake Havasu City	$2955.72

Deductible Impact on Premium

There is an inverse relationship between your car insurance deductible and your premium. A recent study looked at how rates from USAA Insurance varied according to a higher deductible amount. They estimated that raising a $500 deductible to $1000 would save policyholders approximately $170 per year.

Deductible Affordability

While many people will certainly choose high deductibles to minimize premiums, the decision should be made wisely. It is critical to choose a deductible amount that you can realistically afford. Equally as important is to review the coverage limits on your policy. If you purchased a $20,000 car and your coverage limits are $15,000, you will need to have an emergency fund.

How Claims Impact Premiums

Those with a recent history of filing an insurance claim generally pay higher rates. Claims made through a collision policy in 2017 led to a 43% average premium increase. For this reason, many people prefer to pay for minor damage out of pocket. What about claims you file that are not truly your fault? The Arizona legislature has addressed this concern. Arizona’s 20-263 provisions prohibit insurers from increasing rates when an accident is “not caused or significantly contributed to” by the insured.

Deductibles When Financing a Car

When you are leasing or making payments toward purchasing your car there may be deductible restrictions. Lenders need to ensure their investments are protected. Many finance agreements will require that the deductible be no greater than $500.

No Deductible Options

Arizona statute also requires that insurers offer an option for coverage of damaged safety components without a deductible. The state’s 20-264 provisions apply to comprehensive policies for private passenger vehicles. This requires that insurers make a zero deductible option available for purchase; however, this applies only to the windshield, other exterior glass and lights.

Agency Provides Auto Insurance in Casa Grande

Are you finding that shopping for car insurance in Arizona is somewhat confusing and time consuming? The Gebhardt Insurance Group is an independent agency that is deeply rooted in the local community. Our agents are experts at identifying policy options that offer tremendous savings and excellent coverage. We encourage you to contact our office today at (520) 836-3244).

Car Insurance FAQs

December 3, 2018 by Steve Gebhardt

It is essential for a driver to understand their car insurance policy, yet car insurance can be quite confusing. There are a wide variety of factors that affect car insurance. In this article, we will explore some car insurance FAQs that you may have.

What does auto insurance cover?

Car insurance covers different things depending on the type of policy. The minimum car insurance requirement is liability coverage, which covers damages that you inflict on other vehicles and medical bills for anyone injured. You can also purchase comprehensive plans that cover damage to the other person and their vehicle, as well as yourself and your vehicle.

What are the types of auto insurance?

Choosing what your plan covers can be overwhelming. There are six main types of auto insurance:

Bodily injury liability
Property damage liability
Collision
Medical payments coverage or personal injury protection
Comprehensive auto insurance
Uninsured or underinsured motorist coverage

To learn more about these types of auto insurance, check out this page.

What’s the difference between liability coverage, collision coverage, and comprehensive coverage?

Liability coverage: This is the type of insurance that the law requires all drivers to have. In the case that you cause an accident, liability insurance will cover the loss, damages, and injuries to the other driver and and their vehicle. Liability coverage does not cover your vehicle damages or medical bills. It is also the cheapest of insurance coverages.
Comprehensive and collision coverage: Each of these types of insurance can protect your bank account when your vehicle is damaged. Collision coverage gives you protection for any collisions that you are involved in, including collisions with another car, a tree, or any other stationary object. Comprehensive coverage is for things like theft, vandalism, and natural disasters.

What happens if I don’t have auto insurance?

Most states require auto insurance, and Arizona is one of those states. Driving without insurance is illegal in Arizona, and if you are caught, the punishments are severe. According to the article from Tyler Allen Law Firm, the penalties include:

Fines
Suspension of your driver’s license for a designated amount of time
An SR-22 certificate, which tells insurance companies that you are a high-risk driver. This will result in higher premiums.

The point is, you should have car insurance. It may cost you now, but it protects you from a huge financial hit down the road.

How much does auto insurance cost?

In the state of Arizona, the average car insurance premium is $843.92. However, the cost of auto insurance depends on factors such as:

Type of coverage and deductibles
Driving experience
Driving record
Age
Gender
Vehicle type and use

What is a deductible?

One term that insurance agents and plans emphasize is “deductible.” In short, a deductible is the decided amount of money that a person must pay before their insurance begins paying. When deciding on a policy, you must choose the dollar amount of your deductible wisely.

What is the relationship between my monthly premiums and my deductible?

The relationship between your monthly premiums and your deductible plays a major role in determining the overall cost and coverage of your plan. The higher your deductible, the more money you will have to pay before the insurance company takes over remaining payments, and the lower your monthly premiums will be. If you choose a lower deductible, you will pay less in the case of an accident, but you will also pay higher monthly premiums.

For high-risk drivers, it makes the most sense to pay higher premiums to provide a better deductible. For confident drivers who have not been in previous accidents, paying lower monthly premiums may be the better choice.

Do auto insurance companies deny service?

Unfortunately, insurance companies can deny car insurance coverage to certain drivers. Most often, companies simply raise the premiums to match each individual’s driving record, but they can deny anyone coverage outright. The DMV provides some common reasons for denial.

DUI/DWI conviction
Having a serious accident
Several traffic violations
Poor credit
A history of violating insurance policies
A high performance vehicle

Generally, it is not common for companies to deny coverage. Nonetheless, it is important that you avoid the reasons above so that you can find a plan favorable to you.

What are insurance claims?

In short, an insurance claim is a request to the insurance company for compensation or coverage for a loss that is already included in the policy. If you are involved in an accident, contact your insurance company immediately.

What is bundling?

Bundling can be a great way to save money and simplify your insurance. Many companies will combine homeowner’s insurance with auto insurance to form one package. This helps you efficiently track your different insurance policies. Our team at Gebhardt understands the different bundling packages on the market and would love to help you find one that is right for you.

What happens if I’m driving a friend’s car or a rental car?

People often drive cars that don’t belong to them, whether it be a friend’s vehicle or a rental car. It is important for drivers to understand how their policies apply to cars that do not belong to them.

If you are driving a rental, make sure that it has roughly the same value as your own car. If the car is damaged in an accident that you cause, then your insurance will cover the costs as if it were your own.

Are there any car insurance discounts?

Auto insurance can be quite expensive, and this is particularly true for younger drivers. Most insurance providers have a good student discount, which can be helpful in alleviating some of the cost. Talk to one of our insurance agents to find out if there are any car insurance discounts you qualify for.

We hope that these car insurance FAQs help you to understand the intricacies of auto insurance. If you are looking for an auto insurance plan that meets your exact needs, contact us for a free insurance quote today. Our team at Gebhardt Insurance Group is knowledgeable about the workings of auto insurance and is passionate about helping you find the right plan.

Auto Insurance Cost

November 30, 2018 by Steve Gebhardt

The car insurance premiums that motorists pay for car insurance rose by roughly 33% from 2010 to 2016. These rising costs continue to put pressure on those with limited financial resources. The Insurance Institute for Highway Safety is a research organization that gathers and analyzes insurance data. Their data shows that automobile insurers currently pay around $900 annually in insurance claims for each vehicle that they cover. It is helpful for consumers to understand the various factors that insurers consider when calculating rates. Not all insurance companies use the same formula for determining rates. Most include factors such as the type of insurance coverage, your driving record and the vehicle you drive. It is best to work with an experienced insurance agent who will shop multiple carriers to find you the best cost for your needs.

Arizona Rates on the Rise

A recent ABC15 News report indicates motorists in Arizona have experienced a 30% increase in the rates of car insurance over the past four years. Much of the increase is attributed to the addition of many new technical safety features. Newer cars are increasingly equipped with cameras, sensors and other on-board electronics that may be costly to replace. Janet Ruiz of the Western Insurance Information Institute believes that as more drivers purchase newer cars with these safety features the reduction in accidents should stabilize prices.

Minimum Requirements

Arizona law requires drivers to maintain the following minimums in automobile liability insurance coverage (15/30/10):

$15,000.00 in bodily injury coverage for any individual
$30,000.00 in bodily injury coverage for all individuals injured in a single accident
$10,000.00 in coverage to compensate for property loss and damages

Recent Arizona Legislative Action

These minimum requirements have stayed the same since they were implemented in 1972. Earlier this year, state legislators voted to increase the minimum amounts of required car insurance for all motorists. Governor Doug Ducey vetoed the measure that would have led to a large increase in auto insurance rates to reflect the new 25/50/25 requirements. Ducey said that he had concerns that drivers would be unable to afford the premiums for providing the higher coverage.

Current Average Costs

In the U.S., the annual average cost of car insurance is $1,503. Drivers in Michigan pay the highest rates and those in Ohio enjoy the lowest average rates. The following table shows the annual average that is spent on car insurance in Arizona and all bordering states:

	Arizona	California	Colorado	Nevada	New Mexico	Utah
State Yearly Averages[1]	$1,222	$1,982	$1,558	$1,388	$1,371	$1,192
Difference (+/-)	–	+39%	+22%	+12%	+11%	-3%

[1] https://www.businessinsider.com/average-cost-car-insurance-in-every-state-ranked-2018-3

Types of Automobile Coverage

Liability (Bodily Injury/Property Damage)

These forms of coverage are mandatory for all those operating a motor vehicle with the “15/30/10” minimum previously discussed. They apply exclusively when you are deemed as “at-fault” in an accident. Bodily injury coverage is liability insurance used to pay for costs such as medical expenses and lost wages for those injured. Property damage liability is used to repair or replace someone’s vehicle or other physical damage caused.

Collision

Collision coverage is used to repair or replace damage that occurred to your vehicle. It applies whenever your vehicle strikes any moving or fixed object. When someone leases or finances a vehicle purchase, the lender will require this coverage for their own protection. Keep in mind that this type of coverage will become more costly when insuring higher-end luxury vehicles.

Comprehensive

This applies when your vehicle is damaged or lost as a result of a reason other than a collision. Some of the common reasons include theft, fire or vandalism. Comprehensive coverage claims were rampant this past year in the regions hit hardest by hurricanes. Both collision and comprehensive coverage typically will include a deductible amount. The deductible is a predetermined amount that the insured party must pay before the insurance begins paying. Some of the common deductible amounts are $500.00 and $1,000.00. Those who have a larger deductible are likely to save money on premium costs. Drivers who maintain comprehensive and collision coverage are referred to as having “full coverage”.

Uninsured/Underinsured Motorist

Unfortunately, some drivers on the road choose to break the law by operating a vehicle without the required liability coverage. This type of coverage may also apply when you are involved in an accident with a “hit-and-run” driver. Underinsured coverage is used when the damages in an accident exceed the maximum limits of the at-fault driver’s liability insurance. The minimum amount of coverage that may be offered by insurers is equal to the state’s minimum liability requirements.

Medical Payments

“Med” coverage is generally considered a supplemental type of insurance. The coverage is used specifically for medically-related expenses that result from a vehicle accident.

Prior Driving Record & History of Claims

Car insurance providers consider your driving history when assessing you future likelihood of collisions and claims. Insurers generally can access a database that shows your history of previous insurance claims for the past seven years. They will also look at your recent driving record to see if you have caused any accidents or been cited for violations. Those with a clean driving record and claims history are going to enjoy lower insurance premiums.

Your Location

Where you are located has some influence on the amount you will pay for car insurance. Those who use their vehicle for work purposes may be at greater risk for an accident. Other geographical considerations may include whether you live in a rural area or a busier, urban area. Insurers may use statistics such as the rates of vehicle theft in your area to identify risk factors.

Demographics (i.e. Age, Gender)

Automobile insurance companies increasingly use detailed analytics based on a variety of characteristics to determine car insurance prices. Some of the more common factors used for assessment include the following:

Younger drivers (under 25 years old) are more likely to be involved in traffic accidents.
Teenage drivers are less experienced and are more likely to exhibit risky behavior.
Women generally have lower premiums compared to men.
People who are married tend to have lower premiums.

Credit History

Insurers do commonly factor in your credit score when calculating premium rates. Data has shown that those with higher credit scores tend to be involved in fewer accidents. A University of Texas research study found that “poor credit history strongly relates to insurance losses in the automobile insurance industry”.

Affordable Car Insurance Rates in Casa Grande

How important is it to have sufficient automobile insurance coverage? It is critical that you are adequately protected considering that last year in Arizona there were over 127,000 vehicle crashes. The Gebhardt Insurance Group is a local insurance agency committed to finding you a car insurance solution that is a perfect fit for your needs. We work with dozens of highly rated auto insurance companies. Our team will find you the best coverage to fit your needs at the best rate possible. We will gladly assist you with insurance for motorcycles, recreational vehicles and boats as well. Contact us today for a quote at (520) 836-3244.

Why Your Driving Posture Matters

November 5, 2018 by Steve Gebhardt

An Arizona Department of Transportation report shows that in 2017 there were 127,064 crashes with 919 fatalities and 37,823 injuries statewide. Compared to 2016, the total number of crashes was roughly the same (+.02%), but fatalities rose by approximately 5%. The economic impact of vehicle crashes is troubling. Injuries, fatalities and property damage in 2017 exceeded $6 billion in Maricopa County alone. Recent improvements in safety technology such as emergency braking and collision warning systems are expected to begin reducing these numbers. One often overlooked safety factor for drivers is how their posture and body positioning relates to crashes and crash severity.

Posture in Vehicles

Cars today have many adjustment options with even compact models having car seats that will better accommodate drivers of all sizes. Manufacturers work to improve ergonomics and generate good results in crash tests. Dr. Ginger E. Dorsey, who manages ergonomics for the USDA, explains that those with poor sitting posture over long periods of time create problems in their neck, shoulders, and arms, etc. This initial discomfort may lead to problems with chronic pain. Poor positioning will make people more susceptible to injuries in a car accident.

Seat Adjustability

The International Research Council on Biomechanics of Injury says many drivers are adjusting themselves into seating positions that may be dangerous in collisions. They explained the challenges of creating designs that allows you to adjust your seat for both comfort and “optimal occupant protection”. Dan Ridgeway, a managing engineer with General Motors, describes this challenge as one that seeks a good balance. Driver expectations regarding seat adjustability and control settings have now risen considerably. Most consumers do not consider how their position (posture) may impact their safety in an accident.

Driver Visibility

Brian Moody from Autotrader says drivers need to take their time during test drives. You should be sure to find a comfortable position that allows for clear visibility. Some of the best practices related to this are as follows:

Adjust your mirrors so you can clearly see the traffic and road behind without having to strain your neck
You should be able to see the ground for at least 12 feet in front of the direction you are traveling
Drivers should be able to see a minimum of one car length to the right and at least a half car length to the left
You should always know exactly where your “blind spots” are located
Many drivers find some models do not allow safe rear visibility because of the design of the rear window and trunk

Back Positioning & Head Restraints

Your tailbone should rest near the back of the seat for proper posture and lumbar support. There are various back support cushions available in the market today or simply use a rolled up towel. There should be minimal pressure on the head and neck regions. The top of the headrest should be positioned near the ears. The headrest should remain in this neutral position to prevent a whiplash injury or other potentially harmful medical condition.

Steering Wheel

Another example of bad posture is being too close to the steering wheel. Maintain approximately 10 inches between the wheel and your chest. AAA now recommends placing your hands on the wheel at the “9 o’clock and 3 o’clock” positions instead of the “10 and 2”. The wheel contains an airbag that may quickly deploy in a collision. This strong force can cause your hands to forcefully strike you.

Leg Positioning

Seat yourself so you can fully engage the pedals without discomfort. Drivers less than 5’6” tall may consider pedal extenders if the vehicle is not equipped with pedals that will adjust. Your legs should bend comfortably with the lower seat belt strap firmly positioned across the hips.

Auto Insurance in Casa Grande

Gebhardt insurance serves the entire state of Arizona. We understand the physical and emotional problems that a serious injury can create. We attend to everyone as if they are a personal family member and we do not treat you like you are just another number. We offer insurance quotes from over 40 carriers. To speak with a member of our experienced team contact the office at (520) 836-3244 today.

Windshield Repair & Replacement

October 11, 2018 by Steve Gebhardt

Windshields are considered to be safety devices according to the U.S. Department of Transportation. Driving with a damaged windshield is dangerous. Debris such as rocks can easily damage a windshield. Auto insurance companies in Arizona are required to replace windshields for customers who maintain full coverage insurance policies at no cost. Even a minor chip or crack in the windshield can quickly expand if not repaired.

Windshield Repair

Vehicles that are newer come with windshields that often have special features, especially for luxury cars. This poses a challenge for claims departments to make sure they use compatible replacement windshields. Small chips or cracks in your windshield are generally able to be repaired for $50 to $60. Windshields deemed beyond repair will require that you replace the entire windshield, which is more costly.

Features of Newer Windshields

Vehicles continue to become more complex. Even components that appear simple such as a windshield may have many features such as:

Noise reducing layer: A thin and clear laminate-type layer may be in your windshield to limit the amount of noise within the cabin of the vehicle.
Bands for shade or glare: A band of tint along the top of the windshield that shields occupants from harmful sun rays and glare.
Moisture sensors: A small device that detects rain. It is capable of activating the wipers and may be able to regulate the speed of the wipers as needed.
Wiper heating element: A component that maintains warmth on the part of the windshield where the wiper blades rest to prevent ice from forming.
VIN number: The windshield may contain a space for the vehicle identification number, which can be read from the outside.
Components needed for the rear view mirror such as attachment brackets or electrical elements.
Antennas: A thin metallic antenna is often contained within the windshield.

Auto Insurance Coverage

Arizona is not alone in requiring auto insurance companies to provide comprehensive vehicle coverage repair or replace damaged windshields without a deductible. Other states with this requirement include Florida, Kentucky and South Carolina. In AAA’s 2017 Your Driving Costs report, the annual operating and ownership costs for a 2017 model vehicle in the U.S. was $8,469. The average annual premium for full coverage vehicle insurance policies is $1,202.

Arizona Legislation

Arizona Senator Karen Fann has recently supported legislation to eliminate the “zero-deductible” requirement for windshield installation that auto insurance companies face. One version of the bill allows insurance providers to impose a deductible amount that the insured would pay “out-of-pocket”. Many of those in support of such changes feel that this could potentially reduce insurance premiums for all policy holders in the state. The Property Casualty Insurance Association (PCIA) asserts that rampant fraud has developed in zero-deductible states.

Insurance Fraud

The PCIA claims that deceptive auto glass repair service providers are overcharging insurers for repairs. They believe these providers are offering cash incentives to consumers who file repair claims. Mark Osborn, an insurance company advocate, says that 88% of all glass replacement claims are from those in zero-deductible states. Rex Altree is the president of the Arizona Auto Glass Association. He explained that eliminating the requirement will cause a surge in the number of motorists who choose not to replace their damaged windshields. He feels that because of the expense many will ignore the flaw in structural integrity, creating a major safety concern.

Associated Costs

T&S Auto Glass, based in Chandler, Arizona, says the average cost of windshield replacement in 2017 was between $200 and $500. Illinois-based Glass America says the average windshield replacement cost is roughly $210 to $230. For some rare or luxury vehicles, this cost can approach $1,500. CarsDirect reports that windshield replacement cost averages may reach $325 depending on the vehicle. Certain high-end manufacturers, such as BMW and Lexus, recommend that windshield replacements only occur at their dealerships. These “dealer only” requirements are likely to be more expensive.

Optional Auto Insurance Coverages

Motorists are required to maintain auto liability coverage to satisfy their state’s mandatory minimums. Keep in mind that liability coverage is exclusively for bodily injury & property damage that a driver may cause in an accident. Optional types of car insurance coverage vary from state-to-state and among individual insurers. Some of the common types include:

Collision: Provides coverage for damages to your vehicle in an accident where you are the at-fault party
Comprehensive: This is used to cover damages and replacement costs caused by occurrences such as vandalism, theft, hail, etc.
Glass Coverage: This is considered a supplemental form of coverage exclusively for glass repair and replacement.
Uninsured Motorist: Useful if the at-fault motorist does not have the mandated liability coverage
Personal Injury or Medical: Provides coverage specifically related to medical expenses caused by an accident

Pinal County Auto Insurance Provider

At Gebhardt Insurance Group, we are focused on delivering excellent personal service and meeting your individual insurance needs. Our customers benefit from our ability to offer auto insurance policies from the leading companies in the industry. Contact us today to speak with one of our agents and receive a free quote!

What To Do if Your Car is Stolen

October 4, 2018 by Steve Gebhardt

Having your car stolen is an event that can shake even the calmest of people. If your car is stolen, there are steps you can take to increase your chances of recovering your vehicle.

Before you call your insurance company, ask yourself if there are any legal explanations for the disappearance of your vehicle. If you parked your car illegally, it may have been towed, or if you have not paid your car payments, your vehicle may be repossessed.

If none of those situations apply to you, it is safe to assume someone stole your car.

Do you have comprehensive coverage?

In order to have theft covered on your car insurance policy, you must have comprehensive coverage. This applies across the country.

A common mistake people make is purchasing home insurance with the belief that the policy will cover their car as well, but a home insurance policy does not cover stolen vehicles and uninsured motorist coverage. Even if your vehicle was stolen from your garage, you still need comprehensive coverage in order to recover your losses.

If you leased or financed your vehicle, comprehensive coverage is mandatory, but if you own the car, this type of coverage is optional. Damage from animals, natural disasters, and other hazards are also covered with a comprehensive coverage policy.

Notify your insurance company and the police as soon as possible.

The sooner you contact the police, the higher the chances are of your car being recovered. Your insurance company should also be notified. You can check if you have comprehensive coverage and begin the process of filing your claim.

However, most insurance companies will not finalize your claim until 30 days have passed. During those 30 days, it is highly likely the police will find your car. Not all insurance companies have a 30 day wait time, but most do. To find out more, contact your insurance agent. If the car is found but there are damages to the interior, your comprehensive coverage policy will cover those damages as well.

The value of your vehicle must be determined.

Insurance adjusters must determine the current value of your vehicle after it has been stolen. This is completed through an agreement you sign, as well as the lender if you are financing your car.

Next, the insurance company has to sign the papers as well. In this case, you will not have ownership of your car but you will receive money from the insurance company that covers the current value of your car.

However, you can negotiate with your insurance company to buy your car back in case the police find it.

The theft claim will be investigated by the insurance company.

Theft claims are always investigated. The conversation you have with your claims adjuster will be recorded. This is standard procedure and you should not take offense.

The insurance company has a duty to find out whether the theft claim is real or fraudulent. You will be asked about the last location of your car, as well as the model, year and mileage of the vehicle.

Ask your insurance agent what will happen to your stolen belongings.

Any belongings that are stolen are not covered by your car insurance unless you have a homeowners or a renters insurance policy. This means that you have to pay a separate deductible if you want the belongings inside your vehicle to be covered.

However, if you purchased both home and auto insurance from the same carrier, you may be able to negotiate a single deductible and cover your lost belongings. It is usually recommended to purchase insurance policies from the same company because they are usually more willing to negotiate with you.

If your car has been stolen, do not hesitate to file a claim. Give us a call, today.

What’s in a VIN?

September 13, 2018 by Steve Gebhardt

Many people believe a VIN, or vehicle identification number, is just a set of numbers without any real information aside from providing some level of identification for the vehicle. However, it actually does have a few details in it. This serial number is an important component for you when it comes to ownership of a vehicle. The VIN contains a series of numbers with a structured code within them. Most people do not need to know this, but you should have your motor vehicles’ numbers on file in case you need it.

So, What’s in a VIN Code?

The vehicle identification number, VIN, is a set of numbers located on the vehicle. The vehicle’s manufacturer places this number on the car itself before it leaves the factory. It is the single most important component for identifying one vehicle from the next. It is 17 characters in length. And, it is generally on the side door or located under the hood of the car. Sometimes it is positioned right at the bottom of the windshield on the driver’s side. Take a few minutes to find it on your car.

Decoding the VIN can be a bit of a challenge. However, some people have made it a hobby to do so. Here’s a look at what goes into this 17 character set of numbers and letters.

The first number provides information about where the vehicle was manufactured. The number corresponds to a country of origin. Vehicles with a 1, 4, or 5 at the start are manufactured in the United States, for example.
The second two letters shows the vehicle manufacturer. This may include letters to represent General Motors, for example.
Then, there is a string of five letters and numbers together. This provides information about the engine size and type as well as the vehicle’s brand information including the vehicle’s model.
The next single letter corresponds with the vehicle security code.
Another letter comes next. It represents the year the vehicle was manufactured. The model year correlates with a specific character of the alphabet.
Another letter comes next. This provides information on the specific plant that assembled the vehicle.
Then, there is a string of six numbers ending this vehicle identifier section. This set of numbers is the actual serial number for the vehicle.

Why You Should Care About the VIN

Reading through the information about what’s in the VIN can give you some information about where your vehicle came from and was assembled. But, it can also provide a variety of benefits over time.

The Highway Traffic Safety Administration, for example, will use this information to look up information about a car that is found or one involved in an accident. This can help with the identification of the vehicle when you cannot do so. If your car is stolen, this information can help in the locating of it.

Another example comes from recalls and safety concerns. Because it provides a world manufacturer identifier, it is possible for researchers, investigators, or even just companies to go back to the manufacturer to find out if there is something wrong with just this car or if it is a problem associated with numerous vehicles manufactured at a specific location. If the National Highway Traffic Safety board needs to consider recalls and safety warnings, this VIN can offer some help in doing so and identifying cars impacted.

You Should Check It, Too

When buying a vehicle, have a VIN check done. This can offer some information to you about the vehicle’s history. A vehicle history report could pull up information about the car’s previous accidents or serious repairs. Use this information to verify the safety and overall condition of the car before you buy it. You can check digit information at the dealership before you buy it. Then, use a third party’s VIN check service to gather information about the vehicle. Any time a police report is filed for the vehicle, this information is included. This gives you a bit of peace of mind.

Your Insurer Needs This Information, Too

Your auto insurance provider will have your vehicle’s VIN on hand. This information is useful to them for theft purposes as well as to verify the information about your car. It helps to identify your car for insurance purposes all around.

Is Your Policy Up to Date?

To get more information about your vehicle or your VIN, or even to just update your auto insurance policy, call our team at Gebhardt Insurance Group. We are happy to help you learn more about your vehicle.

The Top Items For Your Car Maintenance Checklist

August 14, 2018 by Steve Gebhardt

Car maintenance is the most important part of owning a vehicle. When you don’t take care of the basics, you run the risk of having much bigger problems down the line. Even worse, car accidents can occur when your vehicle malfunctions due to poor care. Proper maintenance is one of the best ways to avoid an accident.

Tires should be inflated to 35 psi, oil should be changed ever 3,000 to 5,000 miles, transmission fluid may need a change over time, and quality gas is always a good buy. The battery and spark plugs are also essential for your vehicle, so checking to see if the connections are tight and the battery still has plenty of energy will save you from a lot of headaches.

Most of the issues that pop up for car owners can be easily fixed when they care caught early. Best of all, catching a minor issue before it becomes a major problem will cost a lot less to fix.

Here is a car maintenance checklist for any vehicle owner:

Tires

As the only part of the car that hits the road, your tires have to be in great condition at all times. Most vehicles require the tires to be inflated to 35 psi for best performance, and the spare tire inflated to 60 psi. It’s good to check the tread depth, too. If the treads are wearing down, it may be time to get some new tires, which should be swapped every 50,000 miles. Also, be sure to get a rotation every 6,000 to 8,000 miles, as the tires do not wear out evenly if they stay on the same side of the car for too long.

Oil

One of the most important fluids in the car is the engine oil. Whenever you get an oil change, the shop will provide a sticker on your windshield telling when you need another oil change, typically every 3,000 to 5,000 miles. Older cars and high-performance vehicles may need specific types of high grade oil, so be sure to check your user manual or ask a mechanic.

Check the oil every few weeks with the dip stick provided under the hood. Just wipe off the stick, put it back in and pull it back out to see the oil level. You can also see the oil color at this point, and if it is very dark, you probably need an oil change.

Transmission Fluid

This is a fluid that many people don’t think about, but it is essential to a smooth ride. If you find your car struggling to switch gears, always grinding loudly when speeding up before shifting, you may need a transmission flush. Unfortunately, this is usually not a job that can be done at home because most manufacturers build the system so that only the pros can reach the reservoir and flush the system with special tools. Luckily, transmission fluid is rarely needed and you can go the life of your car without needing more. However, if you are having trouble shifting, it is worth looking into.

Gas

Possibly the easiest and most obvious part of car maintenance is having gas in the tank. Every car comes equipped with a dial that shows how much gas is remaining, and many newer models will show a readout estimate of how many miles left before running out.

Depending on the type of car, you may need higher grade gas in order to see peak performance. It is also a good idea to pump “Top Tier” gas from time to time, as gas stations with the “Top Tier” logo have been tested and proven to provide better performance and engine leaning agents in their gas.

Battery

Most aspects of a car operate on mechanical parts, but there’s an entire electrical system doing its part, too. If your car has trouble starting, the lights seem dim or the internal controls don’t seem to work properly, you may need a new battery. Luckily, they are easy to find and install on your own.

If you think you need a new battery, it’s best to check with an automotive store first. They usually have a tool that can test the wattage and voltage of your battery to determine if your problems are related to the battery. Sometimes you just need a battery charging device, or you may have an issue with another part of the electrical system.

Spark Plugs

Another major part of the electrical system in the spark plugs. These work directly with the battery and engine to get things started when you turn the key. If your car is having trouble starting, it could mean you need new spark plugs. They tend to last 30,000 miles before needing replacing and can be installed on your own or by a mechanic.

Windshield Fluid

Another easy part of car maintenance is replenishing windshield fluid. If you try to splash the windshield and nothing comes out, you may need more fluid. Typically, there is a reservoir under the hood on the far left or far right side for windshield fluid.

Air Conditioning

The Air Conditioning system is key to a comfortable ride. If your AC is not blowing cool air, you may need a recharge, which can be done at a shop or with the right tools at home. If a recharge does not work, there may be a problem with the compressor, which is a larger job that typically must be done by a mechanic.

Most importantly, be sure to pay attention to any warning lights or odd sounds coming from your car. There are a wide range of lights that can tell you what’s wrong with your vehicle, making it easy to figure out the problem right when it begins. Most automotive stores can check the internal vehicle system and obtain a code for the exact issue, providing you with information on exactly what you need to do.

Keep up with your vehicle’s maintenance as much as possible. The earlier you catch a problem, the less of a headache it will be.

How Long After An Accident Can You File A Police Report

August 13, 2018 by Steve Gebhardt

Most states by law will require that you report a car accident immediately. Majority of the states claim that If you don’t do so, you will only have 10 days after an accident to file a report. However, it is only a legal requirement to report a certain type of accident. Filing a police report after an accident depends on which state you are in, so it’s important to read up on the state laws that the accident has occurred. Luckily, we have information regarding filing a police report after a car accident that applies to the majority of the states.

When do I need to report a car accident to the police?

If you accidentally bump into a parked car and barely made a scratch, then you won’t have to report anything. A simple exchange of both parties contact and insurance information is enough to deal with the problem. However, a $500 in property damage, death, injury, pain, vehicle that needs towing, commercial vehicle, and a drunk driver will require a police report. You can report to the local police department, county sheriff, or highway patrol. It all depends on where that accident has happened.

How do I report a car accident?

If the police have visited, documented, and completed the report on the accident, then you won’t need to file one. If there is no police around and the damages are worth more than $500, then you must file a police report that has jurisdiction over the area in which the car accident has occurred. You can file a report online or print out the form and bring it to the police office.

What information do I need to file a police report?

To report the accident to the police, this is what you need:

When and where did the accident happened, description of the vehicles that were involved, contact information of all the parties that were involved, contact information of any witnesses, and insurance information from both parties.

Why should I file a police report?

If you do not file a police report, then you have committed a non-criminal traffic violation. That means you will have to appear in front of an official and will need to enroll in 120 hours of community service. It’s best to file a police report even if you don’t think you have to. This is mainly to have a record down on the file. Even if you don’t think anyone has suffered an injury, it’s best to file a report. After all, an injury can take up to a couple of days to manifest itself. When you file a police report, it can help connect your injuries to the accident. Without a police report, it is impossible to prove that your injuries have anything to do with the accident. Keep in mind that if you decided to file a claim, you have within four years to do so. Plus, it is impossible to receive compensation from your insurance policy without a police report. This can leave you paying thousands of dollars out-of-pocket.

What if I do not own the vehicle?

If you don’t own the vehicle that is involved in the accident, then the owner can file the report for you. Make sure you write down everything that had happened to ensure that the owner has everything that he or she will need to file the report.

Is the report confidential?

The police report is confidential, but they are accessible to anyone who is involved in the accident.

Do I need a lawyer?

You generally don’t need a lawyer, however, if you decide to file a claim against the at-fault driver, then a lawyer will be a big asset.

Conclusion

If you get into a car accident, the first thing to do is to stay calm. Then assess the situation. If the damage is over $500, or that there is a death or injuries involved, then definitely file a police report. A police report is required by law and very useful to obtain compensation from the insurance company. Plus, if there are injuries related to the accident, a police report will ensure that the injury and the accident are connected. Even if you have any doubt, it’s best to file one anyway. However, if the car accident is very minimal such as a slight nudge on the car that is practically unnoticeable and that no one was hurt or injured, then you could just exchange contact and insurance information and settle it that way. Overall, every state is different when it comes to filing a police report after a car accident and you can get advice from you insurance carrier with how to handle the accident as well. It’s important to do valuable research about the state that your accident happened.

How to Deal with Parking Lot Accidents

July 20, 2018 by Steve Gebhardt

Did you know that 1 in 5 car accidents occur in a parking lot?

Congested parking lots and places with dim lighting can make it harder for some drivers to pay attention to not only their own car but also other vehicles around them. Not to mention, traffic laws aren’t enforced in a parking lot, which often leads confusion and irresponsible driving.

Most accidents happen during the holidays, as more people are on the road during this time, and many of them end up drinking. So when the holiday season rolls around, you have to be extra careful where you park your car and how you do it.

But what do you do when you are involved in a parking lot accident?

In this article, we’ll explore what options you have to protect yourself legally. Read on to learn the steps you should take if you ever find yourself in a parking lot car crash.

What you should do if you’re at fault

Surveillance cameras are everywhere in parking lots, so don’t drive away. If you’re in a hurry, leave a note, or you’ll likely end up dealing with the consequences of a hit and run.
If you’re in a parking lot near a commercial center, try to contact the driver by going inside the store. You can speak to a representative who may allow you to make an announcement.
Take a photo of the damages and call the police. If you skip this step, you may have to pay more in damages. There are cases where the victim causes more damage to their own car so they get more money out of you.
Don’t act like you’re guilty and avoid apologizing. The surface of the parking lot, the lighting, and the design of the building can also be to blame for the crash. If you do start apologizing, it will imply guilt. Leave it to the insurance adjuster to determine who is to blame.
Crashing into somebody’s car is not a crime, but leaving the scene of the accident is. Therefore, stay calm and keep in mind that if you’re insured, your insurance company will cover the damages anyway.

What you should do if you’re the victim

Contact your insurance agent and send them a photo of the damages. A professional should be able to tell you what steps to take next.
Contact the police if it’s an emergency, or use a non-emergency line if nobody is hurt. The local authorities will document the accident and help you get compensations faster.
If the driver who caused the accident is still around, ask them for their contact information and name.
Ask around if there’s a surveillance camera in the parking lot.
Don’t accept any money or under-the-table deals from the driver who hit your car. Without a specialist, it’s hard to figure out the extent of the damages.
Don’t avoid contacting your insurance company. If your rates do go up, speak with another insurance specialist to shop around for better rates. Here are a few of the things that can help you save money on car insurance.

Why and how to file a claim

The process for filing a claim for a parking lot accident is no different than doing so for any other type of accident. You need as much information as possible about the driver who hit you car, including their name and license plate number, the date and time of the accident, photos of the damages, and a police report.

Many drivers don’t like the idea of getting the police involved. But without a police report, you don’t have proof from authorities that the car crash happened.

In some cases, especially in big cities, the police won’t arrive on time. This can occur if more serious accidents happened at the same time in other parts of the city. But making that phone call, and taking notes and photos, is still crucial.

Fortunately, most insurance companies cover accidents that happen in parking lots. This brings me to my next point: many drivers beg the victim to make a deal with them and accept money in cash. Maybe they were under the influence, or maybe they don’t have an insurance.

Regardless of the situation, it’s not worth the risk of getting paid less for damages just to help someone who doesn’t respect the law and is potentially dangerous to other drivers. Always say no to offers like this, and if you fear your rates will go up, look for a new insurance specialist.

At Gebhart, you can get a free quote by giving us a call or texting us.

What happens when your car suffers major damage?

Seeing your car completely destroyed by a car accident isn’t easy most especially if it’s a parked car, but don’t panic. This is why insurance companies exist. They’re there to get you out of ugly situations.

Your insurance may be able to cover all of the damages done to your vehicle. Also, make sure you read the fine print when you get car insurance, as some policies can even provide you with enough money to buy a better car than the one destroyed in the car crash.

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