How to Avoid Fender Bender Fraud in Dunmore, Pennsylvania

No matter where you live, be it a big city or a small town like Dunmore, Pennsylvania, fender bender auto accidents inevitably happen. And most of these claims are solved very quickly and efficiently between the two parties and their insurance companies, like Rodgers-Olver-Polley, Inc. who serves the greater Dunmore area. However, some of these fender benders become larger lawsuits where one claimant is asking for a lot of money, due to mysterious injuries they suffered and wages lost from missed work, among other things. This is usually fender bender fraud and disproving these claims is often tough in court. So there are a number of things you can do to ensure this doesn’t happen if you are in a fender bender in Dunmore, PA and they are listed below.

TALK TO THE OTHER PEOPLE IN THE ACCIDENT

As soon as you have safely pulled over to the side of the road after the fender bender occurs, ask the other people if they are alright. If they say they are, make sure you write this statement down or clearly remember it. Then get all of their insurance information. This initial statement is critical to disproving an injury claim if the fender bender ends up in court, because most people don’t come up with lies after an accident occurs in the court’s eyes.

PHOTOGRAPHS AND VIDEO

Take as many pictures of the accident, or video if you can manage to take it, as possible. This will be incredibly helpful in disproving any injury claim for the fender bender in the future, as they can be presented in court. It is also a good idea to shoot photos of the other person in the accident to see if they are injured at that time.

NOTIFY YOUR INSURANCE COMPANY

The sooner you notify your insurance company, the better. This way they can prepare themselves against any claims that might come from the other party in the accident, keeping this fraud case from even getting going.

Advantages Of Home Insurance

There are countless advantages to having home insurance when you live in Dunmore. Your home in PA needs to have a policy, even though it’s not required by the state. This is simply so you can enjoy peace of mind, and know that your home and family are safe.

While the state has no laws that state you need home insurance, your mortgage lender may require you to have a policy – and this will require proof of the policy. Many lenders will even add it into the total payment, which is part of your escrow payment.

Having home insurance means that if something happens, such as frozen water pipes that burst or storm damage where shingles have fallen off your roof, you can file a claim. These are worth thousands of dollars and the insurance company would pay for the damages, preventing this money from coming out of your pocket.

If someone became injured on your property, whether it was a contractor or a guest, they could sue you. However, with the right insurance coverage, it wouldn’t be something you have to worry about because insurance would step in to take care of it.

There’s also the potential for total destruction, such as what may happen with a house fire. You don’t want your home to suddenly be gone, because you don’t have the kind of funds to just replace it. However, you may simply have to pay a deductible and the rest would be taken care of by the insurance company.

Ultimately, it is going to be more cost effective to pay the premium on a homeowner’s insurance policy than it would be to pay out of pocket in the event you have something happen.

Contact us today at Rodgers-Olver-Polley Inc. so that one of our insurance agents can guide you through the process of finding the right home insurance policy for you and your family.

 

 

 

 

Don’t Throw That Away! Items to Recycle in Dunmore

There’s too much trash in the world today, and we all contribute to the problem. To save yourself a little cash and make your greater mark on the environment, try recycling these common items in your home. 

Old Books, Junk Mail and Shredded Documents 

These things collect in our home, and when we get annoyed with them, we just want them out of the house. Just remember that it’s far better to turn all that paper or even old greeting cards or postcards into new materials. Don’t let these collect in landfills when you could just find a recycling facility and cleanse your conscious of creating more trash. 

Paper Plates and Party Cups 

Even with food stains still on them, you can recycle these items after a party. Just keep a recycling bin around so your guests remember not to toss it all in the regular trash. You can also compost paper towels, so give your garden a break while you cut down on your output. 

Electronics 

You can’t toss batteries into the trash, or throw away your old laptop in the same trash bag as your leftovers. Find a place to accept your old electronics in your area, so you know they’re not leaking acid and contaminating the water or the ground. Any light bulbs with mercury in them will also need to be recycled in a designated area. 

Cardboard 

Old boxes and any packaging material like cereal containers should go directly in with the recycling too. 

Taking Care of Your Home 

Rodgers-Olver-Polley Inc. serving Dunmore, PA encourages everyone to take good care of their home and the earth. If you need a new homeowners policy or are purchasing your first new home, then give us a call today for a quote. 

Should you save money by switching to regular gas?

Even though gas prices have been dropping rapidly, it’s still possible to spend a big portion of your transportation budget on gas for your car.  If you drive a sports car or other vehicle with a complicated engine, then you have to purchase the premium gas that your car requires.  Often, though, many people who do not have any restrictions on the type of gas that they are required to use choose to use premium gas instead.

The reason for this is that many people believe that the premium gas will extend the life of their car.  Other believe that the car will perform better or that it will prevent build-up in their engine.  The truth, however, is that premium gas rarely has any noticeable effect on a vehicle.

Multiple studies have shown that premium gas does not extend the life of an engine that does not require it.  Some sports cars do not get as hot as “regular” vehicles, causing the impurities in “regular” gasoline to stick on the engine. In the vast majority of cases with regular vehicle, however, any “impurities” in regular gas are simply burned up.  They do not leave behind a residue or cause additional wear and tear on the vehicle. 

For most car owners, this means that the money they spend on premium gasoline is wasted.  While switching to regular will probably only save a few dollars a month, it is money that can go to pay for other things.

If you’re looking for more ways to bring your transportation costs down, you may want to think about calling the agents at Rodgers-Olver-Polley Inc.  They’re experts at finding their customers discounts on their auto insurance.  It may be possible for you to save hundreds of dollars a year on a new policy.