What should you do after a motorcycle accident?

The devastation from a motorcycle accident is enough to rattle your nerves. There are, however, steps that you should take at the scene of the incident to ensure that you are protected from unnecessary financial liability. Such is especially the case of you are not the driver at-fault in an accident in Cheshire, CT. You should consider the following steps after an accident and before calling your insurance agent at SEEC Financial. 

1. Make sure that yourself, as well as all parties involved, are not severely injured

You should dial 911 for help even if all parties say that they are okay immediately following an accident. Incidents such as car wrecks have a way of driving up the adrenaline in the human body. A person who feels fine immediately following a car crash may become lightheaded within minutes of the incident. It is best, then, to take the safe road by calling for emergency services immediately following a motorcycle accident. 

2. Take pictures of the scene

Your number one priority is the health of all priorities involved. It is important, however, to regain focus and understand that you were involved in an accident that requires proof of no-fault and vice versa. Pictures are your best friend on the scene. Take photos of everything, including those things that you think are insignificant. The smallest detail could help you win your court case if things were to elevate to that level. 

3. Gather information

You should gather the following at the scene of the accident:

  • The names and addresses of all parties involved as well as that of witnesses who saw what happened;
  • The name and badge number of the police officer in charge of the scene;
  • Vehicle information of involved cars;
  • Insurance company name and contact information for the at-fault party. You should be willing to give this information if you are the at-fault driver. 

4. Call your insurance company

You should contact your agent at SEEC Financial even if you have a no-fault accident in Cheshire, CT. There have been instances where at-fault parties have turned the blame for accidents on the victim and, thus, received unwarranted payouts. Contacting your agent and explaining your side of the story first shields you from such a scheme. 

Accidents are always unnerving. It is important, however, to remember that the information that you gather on the scene is critical. Make sure that everyone is okay and then get to work by taking pictures and gathering pertinent facts. 

How to Choose a Life Insurance Policy

Life insurance policies are similar to all insurance policies in that they can be customized to fit the personal preferences of the individual. However, if you’re not sure what kind of policies are offered in Cheshire, CT, you may want to learn a few basic facts from SEEC Financial before deciding on the best one for you. 

Long-Term Needs 

A permanent life insurance policy will continue on for as long as you need it to. It’s perfect if you have a spouse that you intend to provide for, regardless of what may happen in the future. Permanent insurance also typically comes with a safety net attached to it. If you happen to need money for an emergency down the line, you have the option of borrowing from your life insurance policy as need be. (The conditions and terms of each company will vary, but it can be a handy benefit for many policyholders.)

Short-Term Needs 

Some people will want to choose term insurance or a type of insurance policy that will expire after a predetermined date. Those with young children may want a life insurance policy set up for them until they turn 25. After all, dependents reach this age, the policy will no longer be valid. This policy tends to be more affordable than a permanent policy, but it also doesn’t come with a savings component (unless otherwise specified in the policy conditions). 

Regardless of which life insurance policy you choose, it helps to know more about how each plan works in the real world. Call SEEC Financial today if you have questions about this insurance or if you’re looking for a quote. We help the people of Cheshire, CT get the information they need to make a strong decision that works for them and their family.

3 Summer Maintenance Tips For New Homeowners

Whether you’ve already settled into your new home or you’re still in the midst of unpacking, you’re probably ready to celebrate the coming of your first summer at your new address in Cheshire, CT. However, as a homeowner, you will also need to roll up those sleeves and put some work into your new property to keep it in ship shape for the coming season. Here are three helpful maintenance tips to get your home ready for the scorching heat of summer.

1. Tidy Your Lawn

If your lawn is a mess of branches, leaves, debris, and overgrown grass, this is not only unsightly but also dangerous. Not only will your neighbors and passersby appreciate glimpsing a clean yard, but insurance companies like SEEC Financial will appreciate your effort as well.

Keep up a tidy lawn by getting rid of excess leaves and debris first. Then, trim any branches or bushes that pose an overhead or underfoot hazard. Finally, put down some mulch for your plants to thrive in the high temperatures and humidity, and make sure to mow your lawn at least once a week.

2. Prep Your Cooling System

Do you have central AC installed in your new home?

If so, here are a few things to do before powering up your system:

  • Call in an HVAC cleaning service to clear your air ducts and an outdoor compressor.
  • Open up and dust off all vents in the home.
  • Test out the system with a professional on-hand to make sure it works correctly.

If you are stuck with window AC units, make sure to use proper foam insulation when installing each unit into a window. If hot air leaks through into your home, your air conditioners won’t be as efficient and will take up more electrical power.

3. Check All Structures On Your property

Do you have sheds or play structures on your property?

If so, you should check them for any structural damage they might have incurred during the harsh winter months. Look for any leaks in your shed or garage. Find out if any unwanted critters have made themselves at home in any backyard storage space or in your kids’ play space.

Check if your deck needs to be resealed or if any boards need replacing. Tighten any loose screws on tree houses and climbing structures, and make sure that all floorboards are sturdy and far from rotten.

Are You Ready For The Summer Now?

If you’ve followed the above summer maintenance tips, your Cheshire, CT home should be all set for you to enjoy this year. To ensure that your home is safely maintained, feel free to consult your home insurance agency for tips and even a casual review. Companies like SEEC Financial care about your safety and the well being of your residence.

 

After The Accident: What You Need To Know About Filing Your Claim

If you’ve been in an auto accident, you have a million stressful things to deal with. From getting your car repaired to seeking medical treatment, dealing with an auto accident can take over your life. At SEEC Financial, serving Cheshire, CT, we work to make the claim filing process as painless as possible for our customers. Let’s talk about some tips for filing an auto accident insurance claim. 

– Don’t wait. Call your insurance company the day the accident happens. The details will be fresh in your mind, and your insurance agent will be able to get to work filing your claim as quickly as possible. 

– Take pictures. It’s easy to think you’ll remember every detail of the accident, but our brains don’t work as well as a camera. Take pictures of all the damages to your vehicle, as well as of any injuries you experience. 

– Get a report. Even if you’re able to walk away from the accident and have an amicable conversation with the other driver, be sure to call the police and file an accident report. This documentation can be important down the road, especially if the other driver turns out to be uninsured or underinsured. 

– Talk to your agent. The claims process can be confusing. Even if you submit your claim online, be sure to have a conversation with your insurance agent about what the next steps of the claims process will entail. 

Filing a claim can be confusing, and our agents at SEEC Financial, serving Cheshire, CT, are here to help. Give us a call so we can help you make sure all of your needs are met when it comes time to file an auto insurance claim. 

Fill the Gaps with Umbrella Insurance

The great thing about insurance is that it is there when you need it, to help with expenses, repairs and even peace of mind. The problem is, we don’t always know what when or where to expect the next accident. The good news is, we don’t have to though because there is insurance just for that, the unexpected.

Beyond Basic Home and Auto

None of us expect to have an accident or have someone sue us after getting injured on our property for example. Planning ahead, however, and preparing for the unknown is not only foresight it is also smart. Umbrella insurance is what that foresight looks like and what can protect us from those things that our basic policies don’t cover. Serious accidents or personal injury claims can put our homes, our life savings and even our livelihood at risk. Residents of Cheshire, CT and the surrounding communities use umbrella insurance to extend the limits and coverage of their auto and home policies for those very reasons.

The Right Size Umbrella

A benefit of umbrella insurance in addition to the added security it offers is its flexibility. As you grow, change income brackets, acquire more assets and move up the ladder of life, your coverage concerns change. At SEEC Financial, experienced and helpful agents will sit down with you and look at your needs, then help you find the right size umbrella for your coverage needs today.

If you live in Cheshire, CT or the surrounding areas and want to know more about umbrella insurance, need a quote or want to update your current policy then contact us. At SEEC Financial, you will find an umbrella that fits and the protection you need when the day turns stormy.

Why You Need Condo Insurance

Condo living has much to offer in the way of comfort, relaxation and style. Condo owner’s insurance will protect your new investment so you can enjoy it for many years to come. At SEEC Financial, we help you choose a condo insurance policy that adequately suits your needs. Here are some of the most important reasons you need an individual condo insurance policy.

To Protect Your Structure

Your association’s insurance covers your building, amenities such as pool, gym, spa, etc. and common grounds, not your individual unit. If anything happens to your personal condos, such as fire or storm damage, you’d have to pay for repairs out of pocket. Condo owner’s insurance covers the interior of your unit so you don’t suffer financial loss.

To Protect Your Personal Goods

Condo insurance will protect your personal goods if they are stolen or lost in a covered peril. The amount of protection you get depends on the value of your property. If you’re like most people, you’ve probably accrued quite a bit of stuff over the years, some of which may be quite costly. With replacement cost coverage, your insurance will pay to replace these goods if they’re stolen or totally destroyed in a disaster. This can save you thousands of dollars out of pocket.

To Protect You against Liability Claims

If you plan to have friends or relatives staying at your new condo in Cheshire, CT, make sure you have adequate liability insurance to protect you against accidents that may occur on your property. If a guest has a fall after one too many drinks or gets sick from something he eats, he may sue you for damages. Liability covers medical bills for accidental injuries and protects you against lawsuits for damages.

To learn more about condo insurance coverage and costs, contact SEEC Financial in Cheshire, CT.

Why Do You Need Renter’s Insurance?

Many people opt to live in apartments or rental properties because these types of living situations mean less responsibility. The landlord holds the main responsibility for the property. However, there are things which the landlords are not responsible for. This is where renter’s insurance comes in.

What is Renter’s Insurance?

Renter’s insurance is a type of policy which will cover you as the renter. Although the property itself is covered under the owner’s insurance, that policy does not cover certain things. Namely, that policy does not cover your belongings in the event of a loss. Your furniture, electronics, clothing and other items will need to be replaced. Renter’s insurance can help you do this in the event of a loss. Renter’s insurance also helps protect you, the renter from liability.

When You Are To Blame

Even as a renter, issues can come up in which you would be the liable party. For instance, if through your negligence your unit is damaged or another unit is damaged, renter’s insurance would protect you from defense costs should a case be held against you. 

Loss of Use

Probably one of the most beneficial aspects of renter’s insurance is a loss of use coverage. So your landlord has insurance to cover and repair the unit if it is damaged. But if it is damaged to the point you cannot live there until repairs are made, your landlord is not going to provide you with another place to live necessarily. Loss of use coverage will pay for your temporary living arrangements up to a certain amount while repairs are being made to your unit. This will remove a huge financial burden from you during this time. 

If you would like to learn more about renter’s insurance, you can contact our friendly staff at SEEC Financial in Cheshire, CT. 

Why Do I Need to Have Boat Insurance?

Buying a boat is a dream that many people have. When you do own your boat, you need to remember that it is a very important asset and responsibility. One part of managing this appropriately includes getting boat insurance. For those that have a boat in the Chesire, CT area, there are several reasons why you need to have boat insurance.

Give Your Boat Protection Against Losses

One reason why you need to have insurance for your boat is that it will give you protection for your asset. Similar to any other type of asset, your boat could suffer a loss at any time due to an accident, theft, storm damage, or vandalism. Since you never know when these situations can occur, you need to make sure that you are prepared and protected for it. Boat insurance will do that. If you have a loan out against your boat, you will likely be required by the lender to carry insurance to cover these types of losses until the loan is paid off. 

Liability Coverage

Whenever you are operating a boat, you are taking on a risk that you could cause an accident or injury. If you are at fault in an accident, you could be found liable for any associated expenses. Due to this risk, having boat insurance in place makes sense. In fact, many local marinas and other waterways will require that you have liability protection in place at all times. 

If you need to get boat insurance and have a boat in the Cheshire, CT area, you should speak with the professionals at SEEC Financial first. When you meet with the team at SEEC Financial, the insurance professionals will help you to pick a boat insurance policy that is right for you. 

When Should You Review Your Motorcycle Insurance Policy?

As soon as spring hits and the weather starts to get warmer in Cheshire, CT, you should review your motorcycle insurance to make sure you are covered before you spend a warm summer season out on your bike. Review your policy with an agent at SEEC Financial, in order to ensure you are protected and can enjoy the open road.

Motorcycle insurance is required, but just having the minimum coverage likely won’t protect you in the event of an accident or damage to your bike. If you get into an accident and don’t have collision coverage, then any damages to your bike won’t be covered. If your bike is damaged another way, such as by vandalism or even a collision with an animal, damages won’t be paid for without comprehensive coverage. Reviewing that you have these coverage options and making sure you have enough to cover the cost of your bike is important.

In addition to collision and comprehensive coverage, there are some questions you should ask. Do you tend to tow anything behind your bike? If so, you may want to have extra coverage to cover things you tow. Is your motorcycle a custom build? If it is, repairs can be more expensive, so you want to make sure you have the right amount of coverage to cover the costs. If your ultimate goal is to lower the cost of your premiums, then you should be sure to drive safely. A clean record will help you pay less. You can also ask your agent about bundling any other insurance plans together for a discount. If you are only riding your bike during the warm spring and summer months, then you may want to consider a lay-up policy for additional savings.

Contact SEEC Financial, serving Cheshire, CT, to get a quote on motorcycle insurance.

How to Deal with Property Damage

Handling property damage can be stressful, especially if you are a first-time owner. Once damage does occur, it could take a lot of time, effort, and money to repair those damages. Fortunately, property owners can prepare for future problems by doing the right research. Here are some steps you can take to plan ahead for property damage.

1. Look into Types of Property Damage

Doing the research into different damage types will help you to understand the process better. Property can be damaged by fire, water, hurricanes, floods, mold, earthquakes, infestation, burglary, and much more. Certain areas are at a greater risk of property damage; for example, owning a house in Florida usually means that you face a higher chance of hurricane damage. Once you are aware of the types of damage that your property could experience, it’s time to move on.

2. Damage-Proof Your Property

There are various ways that an owner can protect their property against damage. Going with the Florida home example, a homeowner could hurricane proof his or her home. Property protection isn’t something that you have to do yourself. The right services professionals could install impact windows, doors, and shoulders that are designed to be resistant to heavy storms.

3. Find the Right Insurance Policy 

Once a storm does strike a property, the aftermath can be devastating and costly. That is why it is generally recommended that property owners buy insurance for their homes and buildings. Property damage liability will help to pay for any damage done to a house, store, office, or stationary object. 

Looking for some decent property insurance in Cheshire, CT? SEEC Financial will help with that. This insurance company offers coverage for property damage. The process of making a claim with SEEC Financial is simple and fair. Call us today to find a policy that perfectly fits your circumstances.