Hailstorms and Auto Insurance: Repair Coverage

Posted on January 22, 2024January 24, 2024 by admin

Here at M & M Insurance Group serving Chesterland, OH and the surrounding neighborhoods, safeguarding your vehicle against hailstorm damage with comprehensive insurance coverage is crucial. Understanding how auto insurance covers repairs after hailstorms is essential for protecting your vehicle effectively.

Hailstorms and Auto Insurance: Repair Coverage

1. Comprehensive Coverage: Auto insurance policies with comprehensive coverage often include protection against hailstorm damage. This coverage extends to repair or replacement costs resulting from hail damage.

2. Policy Limits and Deductibles: Review your policy limits and deductibles related to comprehensive coverage. Understanding these aspects helps assess the financial impact on repair costs after a hailstorm.

3. Reporting Hail Damage Promptly: In the event of hail damage, promptly report the incident to your insurance provider. Timely reporting ensures a smoother claims process for repair coverage.

4. Assessment of Damage: After a hailstorm, assess the extent of damage to your vehicle. Document the damage with photos and gather the necessary evidence for your insurance claim.

5. Professional Repair Evaluation: Seek a professional evaluation of the hail damage. An assessment from a reputable repair shop can provide a detailed estimate for repairs, assisting in the insurance claim process.

6. Choosing a Repair Facility: Your insurance policy might recommend or require using specific repair facilities. Ensure compliance with these guidelines for seamless repair coverage.

7. Claim Filing Assistance: Our group offers support in navigating the claim filing process. Our experts can guide you through the necessary steps to ensure your hail damage repairs are covered.

Comprehensive Protection for Your Vehicle

Contact M & M Insurance Group today to safeguard your vehicle against hailstorm damage. Let our team serving Chesterland, OH and neighboring areas craft a customized policy for comprehensive coverage tailored to your needs. Protect your vehicle effectively. Reach out to us today!

Why Commercial Insurance Makes Good Business Sense

Posted on December 21, 2023December 31, 2023 by admin

No matter how profitable your business is, you need commercial insurance to ensure its continued financial stability. A single lawsuit or accident involving extensive property damage can put your entire operation at risk. Fortunately, commercial insurance can protect you from these and other problems that may arise. Meet with the team at M & M Insurance Group in Chesterland, OH to find out how to safeguard your business from the unthinkable.

What Is Commercial Insurance?

Commercial insurance covers losses due to events written into your policy. This frequently includes lawsuits, natural disasters, and business interruption. However, you can work with your agent to find the right coverage for your business. We’d be happy to review your existing policy to identify opportunities to save money or enhance your commercial coverage.

Financial Protection When You Need It Most

Commercial insurance transfers the risk of covered events from your business to your insurance company. This often includes assuming the financial burden for lawsuits, employee injuries, and covered damages. Additionally, you’ll pay a premium that remains stable each month. This allows you to budget your insurance cost prudently.

You’ll feel better knowing that your business is protected. You can save yourself a lot of stress and focus on running your operations. Further, with the right commercial insurance protection, you can look out for the well-being of your employees.

Mandatory Coverage Compliance

If you work in an industry that requires general liability or other types of insurance, it pays to work with an experienced agent who can help you make informed decisions. As well as assisting with mandatory coverage compliance, commercial insurance may help you meet the contractual requirements of certain vendors and clients.

From data breaches to professional liability to specialized coverage, we have you covered. One of our friendly agents can explain how commercial insurance can help you manage your risk. Reach out to M & M Insurance Group in Chesterland, OH today to set up an appointment for a free quote.

Smart Tips on Home Insurance

Posted on November 17, 2023December 1, 2023 by admin

First-time homeowners understand the importance of having quality insurance that protects them against financial losses caused by a natural disaster or unexpected house accident. M & M Insurance Group in Chesterland, OH can offer smart tips that provide the best possible home insurance for your house.

Check Limits on Personal Property Coverage

A standard home insurance policy will cover all personal property (clothing, furniture, electronic devices, and jewelry). However, it is the owner’s responsibility to set a limit that is enough to replace all items damaged or stolen from the home.

And if you have more expensive personal property (fine artwork, sculptures, and rare sports memorabilia), it may need additional coverage on your standard home insurance. Check the wording of your policy to confirm the items in question are fully covered.

Add Personal Liability Coverage to Your Home Insurance

All home insurance policies should include some form of personal liability coverage. It will protect a homeowner from being ruled liable if an individual gets injured inside their house. Too often, the injured party files a personal injury lawsuit after sustaining bodily injury or property damage done to their possession following a home accident. Being the policyholder, you have control over the amount of liability covered. The goal is to protect your assets with the coverage provided.

Do Not Under-Insure Your Home

The biggest mistake by first-time owners is under-insuring their homes. Too often, they stay with the coverage offered in a standard home insurance policy. It is perfect for the short-term but not the right coverage for the storm season. If your home is in a flood zone, add flood insurance to your policy. If not, the repair costs will come out of your pocket.

The best approach to gaining your home insurance needs is speaking with M & M Insurance Group in Chesterland, OH. Our staff will review your paperwork and create an insurance policy that protects your home. Please call and set up an appointment today.

Can You Insure a Salvaged Vehicle?

Posted on October 20, 2023November 2, 2023 by admin

If you are looking to purchase a car but do not have a lot of money, you may be considering purchasing a car with a salvaged title. One of the questions that we at M & M Insurance Group, serving the greater Kewanee, IL area, are often asked is whether you can insure a salvaged vehicle. Read on to get the answer to this question.

Can You Insure a Salvaged Vehicle?

As a general rule of thumb, you are allowed to insure a salvaged vehicle that has been rebuilt and deemed safe to operate and drive. However, most insurance companies will only offer you liability insurance or state minimum insurance. They will not offer you collision or comprehensive insurance to cover your vehicle in the event of an accident.

Liability coverage only covers any damage that you cause to other vehicles, properties, or individuals while you are driving. It does not cover any damage that is done to your vehicle, regardless of whether the accident was your fault or not. The reason for this is that the vehicle has been deemed a salvage vehicle and as such, does not really have a value associated with it. As such, insurance companies do not want to insure the vehicle, nor do they want to pay to repair damage to a vehicle that has already been repaired at least one other time.

Contact Us Today

If you are looking to obtain state minimum insurance on a salvaged vehicle so you can register and drive the vehicle, M & M Insurance Group in Kewanee, IL is here to help you. Schedule an appointment with us and let’s discuss the options that are available to you when it comes to insuring a salvaged vehicle.

What Does Commercial Insurance Cover?

Posted on September 15, 2023October 10, 2023 by admin

The M & M Insurance Group agents serving the Chesterland, OH area want you to know how important commercial insurance is for your business.

Is Commercial Insurance Required in Ohio?

The answer is yes. There are two types of commercial insurance you must have in place in Ohio for your business. Those two types of insurance include commercial auto insurance and workers’ compensation insurance. Read on for more information on both of these types of insurance policies.

Commercial Auto Insurance

In Ohio, all drivers must have at least a liability insurance policy to drive on public roads and highways legally. This includes any autos used for your business or owned by your business. This type of policy will provide a minimum amount of liability insurance if a vehicle for your business is involved in an accident.

Workers Compensation Insurance

All Ohio businesses that employ one or more full or part-time employees must have a workers’ compensation insurance policy in place. This will help pay the medical bills and lost wages of any employee injured or sick on the job.

Other Coverage Options for Commercial Insurance

Commercial Liability Insurance Coverage

Commercial liability insurance is critical for you to have to protect your business and yourself. For example, if someone falls at your business and is injured, it will help pay their medical bills. It can also protect you if the person decides to file a lawsuit. Commercial liability insurance coverage will also be useful if you are sued for slander, libel, or copyright infringement.

Commercial Property Insurance

You never know when a natural disaster will occur, a fire, or even an act of vandalism, so you want to be prepared. Commercial property insurance will help protect not only the building that your business is located in if you own it but your inventory as well. This policy will also help you if someone steals items from your business.

Contact M & M Insurance Group

To start your commercial insurance policy for your business, contact the experienced and knowledgeable agents at the M & M Insurance Group serving the Chesterland, OH area today!

Is Home Insurance Required in Ohio?

Posted on August 15, 2023October 10, 2023 by admin

The trustworthy and knowledgeable insurance agents at the M & M Insurance Group serving the Chesterland, OH area know how important your home is to you and your family. While Ohio does not require home insurance, these experienced agents express the importance of having a home insurance policy in place. Also, if you still owe a mortgage on your home, you must have a home insurance policy.

What Does Home Insurance Cover?

A home insurance policy will cover the structure of your house and its contents. Some policies will also cover other structures on your property, such as privacy fences, decks, garages, sheds, and more. The contents that a home insurance policy will generally cover include your clothing, other personal belongings, furniture, and appliances.

Home insurance is created to help you repair or replace your home if it is damaged. For example, if you suffer a fire at your home and your house is destroyed, your home insurance policy will help you rebuild it. If your home is the victim of a tornado or some other natural disaster, your home insurance policy will help you repair it. This also applies if your home is vandalized or even burglarized.

If you want your house to be protected with flood or earthquake insurance, those policies are separate from your home insurance policy. Still, your trusted insurance agent can include them as an amendment.

Contact M & M Insurance Group

For all your home insurance and other insurance needs, contact the experienced agents at the M & M Insurance Group serving the Chesterland, OH area today to get your policy started!

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Hailstorms and Auto Insurance: Repair Coverage

Hailstorms and Auto Insurance: Repair Coverage

Comprehensive Protection for Your Vehicle

Why Commercial Insurance Makes Good Business Sense

What Is Commercial Insurance?

Financial Protection When You Need It Most

Mandatory Coverage Compliance

Smart Tips on Home Insurance

Check Limits on Personal Property Coverage

Add Personal Liability Coverage to Your Home Insurance

Do Not Under-Insure Your Home

Can You Insure a Salvaged Vehicle?

Can You Insure a Salvaged Vehicle?

Contact Us Today

What Does Commercial Insurance Cover?

Is Commercial Insurance Required in Ohio?

Commercial Auto Insurance

Workers Compensation Insurance

Other Coverage Options for Commercial Insurance

Commercial Liability Insurance Coverage

Commercial Property Insurance

Contact M & M Insurance Group

Is Home Insurance Required in Ohio?

What Does Home Insurance Cover?

Contact M & M Insurance Group

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