You’ve been in a car accident: Now what?

You’re a driver in Baton Rouge, LA and you suddenly find yourself in a car accident. Now what? Believe it or not, most people don’t really know the answer to this question. So a simple breakdown of exactly what to do when you are in a car accident in Baton Rouge is listed below, so that if you do ever find yourself in the midst of a wreck, you won’t panic.

MAKE SURE YOU AND EVERYONE ELSE IS ALRIGHT

First check yourself and everyone else. If you are in pain, try not to move unless you must away from the accident for your own safety. Check on others who were involved and make sure they are OK as well. Don’t worry about fault yet, that will be figure out later. Call the authorities or an ambulance if necessary so they can tend to more serious injuries.

CALL YOUR INSURANCE COMPANY

Call your local Baton Rouge LA insurance company, like Cordell Insurance who serves the area, and tell them exactly what happened and how bad the damage is or the injuries are. The more information you can give them the better, because your word getting in first can often be the difference of who is or is not at fault and who will pay for the damages. Of course, you may want to keep it somewhat vague as they will probably do an investiagtion of their own.

GET THEIR INSURANCE

Regardless of who is at fault, get the other person’s or peoples insurance and make copies so you can get in touch with their insurance company as necessary. You also want to do this to make sure they have insurance, which means if they are at fault they will be paying for it. If they don’t you will be the one who unfortunately ends up paying for everything. 

What Isn’t Usually Covered in a Homeowner’s Policy

You own a home in Baton Rouge, LA. That’s awesome! While you undoubtedly have at least some form of insurance for your property, it’s all too easy to just sign the paperwork without really knowing the depths of your coverage. In that spirit, Cordell Insurance has listed a few instances of things that are usually not covered in a standard policy.

Natural Disasters

This is a tricky topic because what is and isn’t covered varies by policy and region. The general rule of thumb is that earthquakes, floods, and mudslides are not covered by a standard homeowner’s policy. Even this can change if you’re in a high-risk area, but you should never assume that these are included. In most cases, if it’s a concern, you can add coverage for any of these instances.

Maintenance

When major damage is caused by something included in your policy, you can count on the policy to do its part in getting problems fixed. This does not, however, apply to routine maintenance. Seasonal routines like changing air conditioning filters or winterizing pipes are not part of your insurance plan. Uncovered issues also include clogged drains, faulty appliances, rust, pest problems, mold, rot and general wear and tear. The insurance plan is there to protect you from calamity, but the responsibility of normal care still falls on the shoulders of the homeowner.

Personal Liability

It is not at all uncommon for a policy to cover you in the case of third-party injuries. In fact, you should double check and make sure you have at least some of this coverage because you never want to be fiscally responsible for injuries that happen on your property. There is another side of personal liability, though, and it doesn’t fall under the umbrella of a homeowner’s policy. This is the side of personal liability that relates to defamation, slander and the like. For the most part, there aren’t many insurance policies for homeowners that would cover these issues, but if you want to dig deep, you can always talk to your Cordell Insurance representative to see what might be available. Living in Baton Rouge, LA can often be an adventure after all.

First Time Homeowners in Baton Rouge: What You Need To Know

Homeowners insurance policies can be hard to understand, but as a first-time homebuyer, you are in a more difficult position; trying to find an insurance plan designed to protect your largest asset, without knowing the basics of what it covers. Being under-insured can leave you dangerously exposed when you need protection the most. Here’s what you need to know about homeowners insurance.

Is Homeowners Insurance Flood Insurance?

This is a common misunderstanding among Baton Rouge, LA first-time homebuyers. Homeowners insurance isn’t the same thing as flood insurance. Flood insurance will protect your residence and property against damage caused by water, such as flooding, snow melt, rain, etc. Homeowners insurance doesn’t offer protection for this event. If you happen to live in a flood zone, you will be required to carry flood insurance by your mortgage lender. The coverage is optional, but recommended, if you do not live in a flood zone.

What Are Limits and Deductibles?

A deductible is the amount of out-of-pocket money you will have to pay for an insurable incident. Your policy may have more than one. Your insurance policy won’t offer a benefit payment unless the amount of your claim exceeds the deductible.

Limits are the maximum amount of benefits stated in your policy that your insurance company will pay out in the event of a covered incident. They should reasonably cover the value of your home and possessions, as well as exposure to liability claims. To increase your limits, ask Cordell Insurance about adding an umbrella policy for extra coverage.

Is My Personal Property and Contents Covered?

In addition to providing financial reimbursement for damages and losses to your home, homeowners insurance also offers protection for the value of your home’s contents and your personal property. This includes furnishings, electronics, clothing, music purchases and intangible software. You may need to purchase additional coverage for jewelry, art or antiques.

What is Liability Coverage?

You may be responsible for paying damages such as medical expenses and lost income if someone is injured in your home or on your property, even if the injury wasn’t a result of intentional negligence on your part. Homeowners insurance offers protection from these liabilities so that you can relax and not worry about inviting people into your home.

What Else Do I Need To Know About Homeowner’s Insurance?

There are a variety of events and incidents which are and are not covered by each specific homeowners insurance policy. In order to determine which policy limits and deductibles are necessary to fully protect your new Baton Rouge, LA home, and to learn what types of incidents are insurable, contact our office today. At Cordell Insurance, we’ll help you arrive at the perfect amount of homeowners insurance coverage for your individual needs.

Buying and Insuring a Used Car in Baton Rouge, LA

Buying a used car is somewhat of a risk unless you know every owner the car had. One of the problems many people face when buying a used car in Baton Rouge, LA is flood damage. There are many cars sold at auction that have been through floods and are not in the best condition. Superficially they look ideal but check under the hood and throughout the interior, and you will find water marks where the car was submerged.

Buying the Right Car

When you begin to look for a used car, be careful who choose to deal with. Always use reputable dealers who will verify the history of the vehicle. Inspect the vehicle you are looking to buy thoroughly to uncover any potential problems or past damage. You need to find the right car for the right price, that will last you for an extended period.

Getting the Right Insurance

Once you have a vehicle picked out, talk to your insurance agent to see if they can find out anything about the vehicle’s past. Your insurance agent should be able to tell you if the vehicle has anything wrong with it that would prevent them from providing you sufficient coverage. They will also help you get the best possible deal for your money.

Call Cordell Insurance if you have any questions on how to get your “new” used car insured. Serving the residents of Baton Rouge, LA, our office works to make sure each of our clients has the right amount of insurance for the type of car they have purchased. We can also help you uncover possible damage to the car before you buy. Ask your agent today how we can help protect you and the investment you make when you purchase a used vehicle.

Keep Your Home in Tip-top Shape in 2017

The holidays have passed and now is the time that many of us make New Year’s resolutions. We plan to work more towards getting in shape, eating right, getting organized, or finally achieving a goal we have set.  In addition to setting personal goals, have you thought about goals for your home? At Cordell Insurance of Baton Rouge, LA, we care about our clients’ personal lives and also their homes. We hope you will use these tips to keep your home in tip-top shape throughout the year of 2017.

Quarterly Maintenance Tips

Some tasks are performed quarterly. Do these at the beginning of each new season to keep it simple:

  • Check the water heater’s pressure relief valve.
  • Clean the range hood filter.
  • Clean out the refrigerator and freezer.

Monthly Maintenance Tips

Monthly tasks must be performed often for good home maintenance. These include checking the HVAC air filters and changing them out. Test your smoke alarms and electrical outlets on a monthly basis. It is critical to your home’s safety that these are functioning properly. To keep up with home maintenance, yet not overload yourself with chores, set up a schedule of tasks to perform each month. Here is an example for the first six months of 2017:

January – check and repair caulking on windows, bathrooms, and kitchens.

February – check water drainage around the home.

March – get AC inspected.

April – clean gutters and check for damage.

May – clean interior and exterior vents, including HVAC vents.

June – clean window surfaces, sills, and screens.

At Cordell Insurance of Baton Rouge, LA, we hope your home stays in tip-top shape all year long.  If you have an issue we can help with, contact one of our knowledgeable insurance agents.    

What You Should Know About Flooding and Home Insurance in Baton Rouge, LA

If you live in Baton Rouge, LA, you know that flooding is a distinct possibility at any time. You should make a point of being aware of what kinds of damage home insurance will actually cover in the state of Louisiana if you want to make sure that you have the appropriate coverage to protect your home and belongings.

One common misconception is that home insurance policies will cover damage that occurs as the result of a flood. Generally speaking, home insurance will not cover this damage. In order to have your home protected financially in the event of a flood, you will need to purchase a flood insurance policy in addition to your home insurance policy. The Federal Emergency Management Agency (FEMA) has said that flooding is the number one in terms of natural disasters in the United States, and this is especially applicable to the state of Louisiana, which is considered by FEMA to be a flood zone. As such, you should make sure that you are prepared for the event of a flood. You cannot rely solely on your home insurance policy to help recover your home and belongings in the event that they are destroyed by a flood, so you will need to purchase a flood insurance policy as well.

If you are a resident of Baton Rouge, LA, and you are interested in knowing more about home insurance and how it applies in the event of flooding, you can feel free to contact the professionals at David Cordell Insurance. The agents at David Cordell Insurance can tell you everything that you need to know about home insurance in the state of Louisiana and answer any questions that you might have. They can tell you what you need to do in order to be able to ensure that you will not lose your home and everything you own in the event of a flood.

Reasons You Need RV Insurance

Whether you live in an RV full time or simply use one for recreational purposes, purchasing RV insurance is of the utmost importance. A low-cost way to protect one of your most expensive investments, purchasing a quality RV insurance policy now can save you tons of time, money, and effort in the future. Are you curious about the benefits of RV insurance? You’ve come to the right place. 

Much-Needed Coverage

Although many believe that their auto insurance policy provides enough coverage for their RV, they are often mistaken. Given the value of the average RV as compared to the average vehicle, it is clear that the costs to repairs accidents related to an RV could be quite a bit costlier than that of an accident caused by a smaller vehicle. Therefore, purchasing an RV insurance policy is the best way to protect yourself from expensive claims and lawsuits. 

Cover a Vast Array of Vehicles

Whether you use your RV for recreation, as a home, have a detachable trailer, an array of connected appliances, or any other combination of factors, RV insurance allows you to make sure each and every part of your vehicle is covered. 

Customizable Packages

As with general auto insurance, clients are able to purchase customized packages that provide the level of coverage they are seeking. This means you are free to pick the policy that provides the coverage most suitable to your financial status as well as coverage goals. 

Overall, if you are seeking quality RV insurance in Louisiana , Cordell Insurance is here to serve you. Offering customizable packages for recreational vehicles of all kinds, call, email, or stop in today to get your customized quote and find out how you can save! 

Getting Your Home Fall Ready

Getting your home ready for fall is an important process, but it doesn’t have to be difficult. Baton Rouge, Louisiana doesn’t see very low winter temperatures, but there are still steps you need to take to get your home fall-ready.

Check your roof. To get on top of roof problems, you can use binoculars to conduct an inspection from the ground and hire someone to clean your gutters. You can also use a ladder and clean your gutters while inspecting your roof if you prefer to do it yourself.

If you have a fireplace, it needs to be inspected every fall. Creosote buildup can cause a fire hazard, so you will want to check your flue with a flashlight. If you find build up over 1/8 of an inch thick, it’s time to get it cleaned. While you are checking the flue, you should also make sure that there is nothing blocking it near the top. If you have a wood stove, you will need to check your flue in the same manner. You also want to make sure that your damper is working properly, and inspect your fireplace and chimney for any signs of damage. 

Check your windows and doors for cracks and drafts. Your windows and doors can let in lots of cold air if they aren’t sealed properly. These gaps can cause a 10% increase in your energy bills. You can hold a candle up to your windows and doors to check for any drafts and conduct a visual inspection. Replacing weatherstripping or caulking the area should prevent any drafts.

While you are getting your home ready for fall, you should also take a look at your home insurance coverage. Cordell Insurance can help you with your insurance needs. Call Cordell Insurance today to make sure your home is fully protected this fall.

Prepare Your Home for a Vacation

Whether you will be away for a few days or a number of weeks, you should get your home prepared before you leave on that much needed vacation. There are a few smart ideas you should follow to avoid any stress during your time away.

Hold newspaper and mail deliveries. Contact your local newspaper company and post office to have those deliveries stopped during your vacation. If mail or papers pile up on your doorstep, thieves may take advantage and realize that there is no one at home.

Have a night timer. Use a timer that will automatically turn your lights on in the evening and then turn them off when you would normally go to bed. This will deter anyone that is lurking in your neighborhood.

Clean the refrigerator. Remove any perishable items that will spoil. Milk, vegetables, and leftovers can be removed and thrown out before you leave. When you return from your vacation, you can relax without having to tackle this situation.

Take care of the laundry. Wash the laundry the day before you leave. It doesn’t take long for mold and mildew to buildup. Wet towels and clothing could become damaged in a short amount of time. If you take a shower the morning you leave, hang the towels and washcloths up to dry.

Don’t forget your plants and pets. Ask a neighbor to water your plants and feed your pets. If you have small reptiles or aquatic animals, such as lizards, fish, or frogs, give your neighbor a strict feeding schedule. For larger animals, select a boarding facility that will care for your creature while you are gone.

In Baton Rouge, Louisiana, the independent agents at Cordell Insurance can offer you advice and information on new and existing home insurance policies.

 

Why You Need Umbrella Insurance in Baton Rouge, LA

For those in Baton Rouge, Louisiana who worry about having enough insurance coverage, purchasing an umbrella insurance policy from a local agent like Cordell Insurance who serves the Baton Rouge, Louisiana area is a great option. However, many don’t even know what an umbrella insurance policy is in the first place, which makes it difficult for them to purchase one. This helpful guide below will not only help you learn all about umbrella insurance policies but whether or not they are right for you and your specific situation and lifestyle.

WHAT IS AN UMBRELLA INSURANCE POLICY?

Umbrella insurance policies are those that cover parts of existing insurance policies that have gaps in them, like auto and home insurance. It’s basically added coverage in areas that are lightly covered by this existing policies. Umbrella policies also cover things like liability, slander and libel threats which could lead to costly and financially damaging lawsuits without their protection.

WHO NEEDS UMBRELLA INSURANCE POLICIES?

People who have relatively high profiles in their personal lives as well as a good amount of money often have umbrella insurance policies, but all types of people who could be vulnerable to lawsuits or extra amounts of liability need them as well. Businesses are especially in need of umbrella insurance so that they can fully protect themselves from a lawsuit from a client or customer.

DO YOU NEED AN UMBRELLA INSURANCE POLICY?

The best way to determine if you need an umbrella insurance policy is to take your individual situation into account and see if an umbrella insurance policy will be helpful to you and any future issues that may arise. Also, think about what your life will be like in the future and whether or not you will live a lifestyle or may end up in a situation where an umbrella insurance policy will be a helpful thing to have.