Month: January 2019

Driving Tips to Avoid Auto Insurance Claims

Posted on by AgentInsure

No one wants to have an accident in Laurel, MD and have to file a claim with his or her insurance at Mid Atlantic Insurance Financial, but accidents do happen. With these tips you can avoid common insurance claims.

Don’t Follow Too Closely: One of the easiest ways to avoid a rear end crash, one of the most common accidents on the road, is to not follow too closely.

Avoid In-Car Distractions: Texting and driving is bad, but distracted driving doesn’t always mean texting. Be sure to always use hands-free mode if you need to take a call while driving. If you have children in the car, they need to understand that you are driving and need to focus. Be prepared with toys so that they don’t bother you. If something does come up, such as a disagreement, then consider pulling over. Make it a habit to not drive when things are emotionally distracting you.

The Driver Should Be in Good Condition: It’s important for your car to be in driving condition, but also for you to be. Eye exams should be up to date and keeping healthy is important. Those in good health can think better and react faster. Be sure you aren’t on any medications that could cause drowsiness and get plenty of sleep before doing any long driving.

Be a Defensive Driver: You may have heard about defensive driving classes, but this is a reminder to keep an eye out for what others are doing.

Give Yourself Plenty of Time in Bad Weather: Snow and rain can cause a lot of delays and so you want to give yourself more time so you are less tempted to speed. Slow down when approaching shaded spots or bridges where there could be icy patches hiding.

Contact Mid Atlantic Insurance Financial, serving Laurel, MD, to get a quote on auto insurance. 

Why Do I Need to Have Home Insurance?

Posted on by AgentInsure

If you are an owner of a home, there are many important things that you will need to do to keep it properly protected. One of the most important things that you will need to do when you own home has home insurance. There are several reasons why you need to have home insurance.

Protects Against Loss

A primary reason to have insurance for your home is that it can protect against losses. If your home is damaged by a fire, bad weather, or vandalism, it can be extremely expensive to make the necessary repairs. Fortunately, when you have home insurance in place, you can have financial protection against these losses. Your insurance company can also give you the support you need to start the repair process.

Gives Liability Protection

If you own a property, you are also running the risk that you could be found liable for injuries that someone suffers at your home. Since this is a risk that never goes away, you need to make sure that you continue to have this coverage. In the rare situation that you are sued for liability, you will have the support you need to either settle or fight the claim.

Often Required

You also need to have home insurance because it is often required under certain agreements. If you have a mortgage or live in a condo association, the associated agreements will likely require that you carry insurance at all times. 

When you are considering your home insurance needs to cover your Laurel, MD area property, you should contact Mid Atlantic Insurance Financial. The Mid Atlantic Insurance Financial team is skilled at helping their customers to better understand their home insurance needs. They can then help you get into a policy that will give you the right coverage.