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7 Reasons to Choose an Independent Insurance Agent

Insurance can be complicated.  How do you know you’re making the right decision when it comes to protecting the most important things in your life?  Find out how an Independent Insurance Agent is a simple solution to this!

    We give you more choices and options

    The beauty of working with an independent insurance agent is that we represent many different insurance carriers that offer a wide variety of coverages at varying price points.  We do the work of shopping your quotes around with those different companies to determine which one is the best fit for the types of coverage you need with the best rates for that coverage.  We shop, you save!

    We are industry experts

    Insurance is complicated, let’s be real!  We are licensed and trained in industry verbiage and terminology and are equipped to be able to explain to you, in simple terms, which help you to make informed decisions.  Why go to google and confuser yourself on the different kinds of insurance that are available, when we are just a phone call away?

    We are your advocate

    Since we work for YOU and not the insurance company, we are your advocate!  We will assist with claims, billing or changes your coverage directly with the insurance company.

    We are your neighbor

    We are a small, local business that shares your passion for our community and famillies.  We are woman-owned and have a pusle on the local community and its benefits and challenges.  You won’t sit on hold in a quete, but can walk right into our quaint office in Rosemount.

    We are a one-stop-shop

    With the ability to write with so many different insurance companies, we are able to meet all of your insurance needs.  Everything from Home, Auto, Life & Business coverages, we work with tons of companies that offer a variety of coverages.

    We are your personal advisor

    Insurance isn’t just about finding the cheapest prices.  It’s about making sure that you aren’t suprised by unexpected expenses if a loss were to happen.  Through working one-on-one with you, we listen to meet your specific, unique insurance needs.  

    We are your lifelong advisor

    We love building life long relationships with our customers and often times, they become good friends.  We know that life is ever-evolving and we work with you throughout those stsages.  Everything from buying a home, getting married, growing your family, teen drivers and getting ready for that retirement home.

    What should I do if I have a claim?

     

     

     

    You’ve just been involved in an auto accident. The most important thing is your safety. If you are injured , please call for emergency help right away.  Here are some additional steps to help you file a claim on your auto insurance:

    • Call for emergency assistance if needed.
    • Once all parties are safe it’s helpful to take pictures of the damage and exchange insurance and driver information.
    • Next call your agent whether you are at fault or not
    • Follow the directions your agent gives you to provide all documentation related to the accident and file your claim. You may need a police report.
    • Keep copies of all your documentation and bills related to the accident. Jot down detailed notes following conversations about the accident. You need to know who you spoke with and what they said, at what date and time, and how to contact the person.
    • Find out from your agent:
      • Time limitations for filing your claims and submitting bills.
      • Time limitations for resolving claim disputes.
      • When you can expect the insurance company to contact you.
      • Whether you need estimates for the damages.
      • Whether your policy covers a rental car while your car is being repaired and how much it covers.

     

    Next we will cover the steps to take to file a claim on your homeowner’s insurance:

    • Report any crime to the police if its due to a burglary or a theft
    • Phone your insurance professional immediately
    • Have the insurance adjuster inspect the damage
    • Make any temporary repairs to prevent further damage to your home or items in it
    • Prepare a list of lost or damaged articles
    • If you need to relocate, save your receipts, some of those costs may be reimbursed

    We hope this has helped you navigate the claims’ process and answered any of the questions you may have had.  If we can be of further help, feel free to give us a call here at Sentinel Assurance at 651-237-5180.

     

    The Steps in Handling a Car Accident

    Do you have teen drivers in your home?  Maybe you are doing some distracted driving yourself.  An unexpected car accident can leave you feeling a bit scattered. That’s why it’s important to brush up on post-accident procedures. Here are 7 steps guide can help make the moments after an accident less stressful — and the claims process a whole lot smoother.

    1.Move to a safe area if you can

    If it’s safe to do so and you aren’t seriously injured, move your car out of further harm’s way, like to the shoulder of the road. If moving your car just isn’t possible, flip on your hazards to warn other drivers that your vehicle isn’t going anywhere any time soon.

    2.Stop your vehicle and get out

    Make sure your car is no longer moving, turn off the engine, shift into park, or set the hand brake if you drive a manual. Take a moment to catch your breath. Check to make sure it’s safe to get out of your car before opening the door.

    3.Check on others involved

    Check on all the other parties involved, including drivers, passengers, and pedestrians, to make sure no one is hurt. Call 911 if anyone may be injured. Even a seemingly minor symptom like dizziness should be checked out by a health care professional.

    4.Call the police to the scene

    Even in minor accidents, a police accident report can prove invaluable when dealing with your car insurance company and other drivers. Cooperate fully, but avoid admitting fault or blaming others while at the scene. Let the police objectively judge events and determine who, if anyone, is at fault in the crash. If the police can’t make it to the scene (which is more likely if there are no injuries), you can file an accident report through your state’s DMV.

    5.Gather info

    Try to write down as much info as possible in the accident aftermath, including:

    • Driver and passenger names
    • License plate numbers
    • Insurance info
    • Makes and models of all vehicles involved
    • Contact info for any eyewitnesses
    • Location of the accident
    • The name and badge number of any responding police officers

    6.Document the scene

    If you have a smartphone with a camera, snap some photos of the accident scene. They’ll come in handy during the claim process.

    7.File your insurance claim

    After step 7, it’s our turn to help. We’ll work with you to get your car repaired as quickly as possible. Call us at 952-479-5781

    We sincerely hope this post gives you some tips if you are ever in the situation above. Safe driving!

    Open your Cabin Checklist

     

    I know, I know.  This winter has been never ending.  You are over it, we are over it.  But, summer will come! And you need to be prepared for that, don’t you?  Well search no further. We’ve compiled a nice little checklist to help you out and keep you on track.

    Don’t forget to:

    • Call to turn on any services you shut off over the winter, including electricity, water and trash collection.
    • Check the insurance policies on your lake home and boat. Call Sentinel Assurance to tell us about the new jet ski, boat or wave runner you’d like to insure.
    • Check your boating registration and renew it if necessary. In Minnesota and Wisconsin, watercraft licenses must be renewed every three years.
    • If you plan to put in a dock, and you need help, call your crew a few weeks in advance to see if they’re available.

    After a long winter away, you’ll need to be sure that your home is safe to inhabit again before you turn on your water and other systems.

    • Check the furnace and put in a new filter.
    • Check pipes for rust or damage before you turn on your plumbing and water heater. If you’re not sure how to make the call, hire a plumber to do a basic assessment.
    • Be on the lookout for signs of critters. Check screens and windows for holes and gaps and electrical cords for fraying or bite marks.
    • Inspect your deck and eaves for signs of rotting.
    • Test the batteries in your smoke and carbon monoxide detectors.
    • Test and replace the batteries in motion sensor lights on the front door, deck and on the way down to the lake.

    Whether you’ll spend the whole summer or special weekends at your lake home, you’ll want to be sure it’s stocked with the basics. Run a quick inventory review before heading to the store for replenishments.

    • Go through your pantry and throw out any expired food, as well as anything that looks like it may have been the subject of a critter invasion.
    • Check that you’re stocked up on sunscreen and bug spray.
    • Check the stock of your bathroom toiletries. To save money and stay green buy shampoo, conditioner and body wash in bulk bottles rather than using travel samples.

    Next, have fun.

    We wish you a great cabin season this summer!


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