Month: January 2024

Boat Upgrades That May Require More Coverage

Posted on by admin

Adequate insurance coverage is essential when operating your watercraft. If you have chosen some upgrades for your boat, learn how these modifications may require increased coverage. Then, contact a representative of Ashley Insurance to assist with preparing your insurance policy.

Boat Insurance 

Boat insurance is a type of recreational insurance. It protects a watercraft from damage, vandalism, and burglaries. An individual liability policy will prevent you from incurring costs resulting from a boating accident that was your fault. A comprehensive policy will cover repairs to your boat and any other watercraft involved in an accident with your boat.

New Storage

How you store your boat could influence the type of boat insurance policy you need. Take note of the storage type, plus the location where you store your boat. You will need to supply this information when you speak to an agent who serves Easton, MD.

Modern Lighting

Modern lighting will increase visibility while you are using your watercraft. New lighting could make your boat easier to operate. It may also lessen the possibility of you being involved in a boating accident. After new lighting is installed, the upgrades could influence the type of insurance coverage you need.

Advanced Security

Alarm systems, surveillance equipment, and GPS trackers secure your boat care. Security advancements may qualify you for a discount on your boat insurance policy. 

Contact Ashley Insurance

Whenever you have changes made to your boat, they need to be reported to an agent who serves Easton, MD. By consulting with one of our agents who represent Ashley Insurance, you can obtain the specific type of insurance coverage you need while operating your watercraft.

What To Do After An Accident: A Guide

Posted on by Katie Schisler

No one plans for an accident, but being prepared for the unexpected can be absolutely crucial. At Ashley Insurance, we understand the stress that follows a car accident. Here’s your comprehensive guide on what to do after a car accident to ensure your safety and protect your interests.

1. Prioritize Safety First:

In the event of a motor vehicle accident, the situation can be overwhelming. Begin by prioritizing the safety of everyone involved, attempting to move your vehicle to a secure location if possible. Activate your hazard lights and deploy warning triangles, if accessible. In cases of severe injuries, promptly dial emergency services for immediate assistance.

2. Report the Accident:

Contact local law enforcement to report the accident. Having an official record is crucial for insurance claims. Provide accurate details to the police, and obtain a copy of the accident report for your records.

3. Document the Scene:

If possible, capture photos and videos of the accident scene. Document vehicle damage, license plates, street signs, and any contributing factors. This visual evidence can be invaluable during the claims process.

4. Exchange Insurance Information:

All involved should exchange contact and insurance information. Collect names, addresses, phone numbers, insurance company names, and policy numbers. Share your details as well, ensuring transparency for all parties.

5. Be Mindful of What You Say:

In the event of an accident, avoid admitting guilt or fault. Stick to factual information when interacting with other parties, witnesses, or law enforcement. Anything said at the scene may impact the claims process.

6. Seek Medical Attention:

Even if injuries seem minor, seek medical attention promptly. Some injuries may not manifest immediately. Keep records of medical visits, prescriptions, and any recommended follow-up care.

7. Notify Your Insurance Company:

Get in touch with your insurance company as soon as possible to report the accident. Make sure you provide them with accurate details and cooperate fully with their investigation. Prompt reporting helps expedite the claims process.

8. Consult with Ashley Insurance:

Your next call should be to Ashley Insurance. Our experienced insurance agents will attentively guide you through the claims process. We’ll answer any questions you may have, and ensure you receive the support you need.

9. Follow-Up on Your Claim:

Stay up-to-date on the progress of your claim. Provide any requested documentation promptly and follow up with your insurance adjuster. Open communication ensures a smoother resolution.

10. Know Your Rights If Injured:

If you’ve sustained injuries, consult with legal professionals to understand your rights. Personal injury claims may be necessary to cover medical expenses, lost wages, and other damages.

Navigating the Aftermath with Confidence

No one anticipates a car accident, but knowing what to do after a car accident empowers you to navigate the aftermath with confidence. Ashley Insurance is here to provide support, ensuring you receive the care and coverage you deserve. Remember, in times of uncertainty, Ashley Insurance is your trusted partner. Get a quote today!