Classic Car Insurance Bremerton, WA

Is Your Classic Car Insurance Policy Customized To Your Needs?

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Classic Car Insurance Bremerton, WAMany of us collect classic cars and for good reason – they’re valuable assets and they’re fun! Regardless of what you collect or why you collect it, we all share a passion for these vehicles of the past.

For those of us who are classic car enthusiasts we need an insurance policy that matches our use and ensures that the value on our vehicles is appropriate.

Insuring your classic car is not the same as insuring your every-day driver. Insurance policies are typically less expensive and are written on an agreed value. Your classic car insurance policy can be custom tailored just to your specific vehicle, stage of restoration or usage.

Here are some examples of how you can tailor your classic car insurance policy:

Example 1: If you don’t really drive it but want to protect it in the event of an unforeseen claim, you can get a policy like that.

Example 2: If you use your classic car as an off-road vehicle and don’t want to protect the vehicle from damages from branches or other collisions, there is a policy for that.

Example 3: For those individuals who love to take their classic car on a road trip, there is coverage to protect you if you break down & it can offer a replacement vehicle, food, shelter and more.

Example 4: Need unique parts for your classic car due to a loss? There’s a policy that offers stock original replacement parts.

Each person is unique as the vehicle they collect and that is why it is imperative to talk to an insurance agent to find just the right policy for your classic or antique automobile.

Additional consideration should be made if you have a personal umbrella policy with another carrier. That carrier will typically require you to carry sufficient limits on your classic car to match the coverages on your everyday driver. This ensures you don’t create a gap in coverage, even if you rarely drive it.

H&K Insurance Agency can shop through several of our top-rated classic car insurance companies. Each insurance company specializes in specific policies such as insurance for regular use users, street rod enthusiasts, classics undergoing restoration or classics that need spare parts coverage. We’ll search to find the best coverage for your needs. Get a quote today.

Renters Insurance in Bremerton, WA

Do My Roommate and I Need a Separate Renters Insurance Policy?

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Renters Insurance in Bremerton, WAAs a local insurance agency, we are here to help with all your insurance questions.  When it comes to renters insurance, many people assume that since they are renting an apartment, home or condo, they are fully covered by their landlord if anything unfortunate occurs.

Your landlord’s insurance policy should cover any damage to the property itself but, it will not protect against any of your personal property or liability you cause. If you were to experience water damage, for instance, if your neighbor’s pipe burst above you and damaged your personal property, you would NOT be covered.

Renters Insurance protects:

  • Personal Property: items clothing, furniture, electronics, bicycles or jewelry from theft or fire, smoke, or water damage. If you have expensive individual items you may need additional insurance coverage.
  • Liability Coverage: if someone is injured in your home helps cover legal fees and medical bills if you’re held liable.

Is my roommate covered with my policy?

If you are not related to your roommate (parent, sibling or spouse), most likely your roommate is NOT covered. However, each insurance company is different so please ask one of our licensed agents to confirm.

Luckily, renters insurance is an inexpensive way to make sure that your personal effects are covered in the event that damage occurs in your rental unit. Contact our agency and speak to one of our licensed agents. You may even be able to bundle your renters insurance with another line of insurance, like your auto insurance, for a discount. Get a quote today.

What to do if you are in a car accident in Bremerton, WA

Six Things to Do If You Get Into a Car Accident

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What to do if you are in a car accident in Bremerton, WABeing in an accident can be a very frightening event. Being prepared to know how to handle the situation when it occurs will help you deal with the shock of it, as well as ensure you are covered for the loss when it does happen. While accidents will happen to almost every driver, whether their car is parked and unattended, or while they’re driving, knowing these important steps will help you deal with the unfortunate situation.

Safely park your vehicle: If you happen to be driving when the accident occurs, safely pull the vehicle over to the side of the road. If possible, carefully write down the license plate and description of the other vehicle(s) involved in the accident. If you are reporting a hit and run, this information will aid police in locating the driver. In the event of a hit and run it most likely happens when your vehicle is unattended. If you return to your vehicle to find damage, look for clues to help you prove your case, i.e. Security cameras.

Assess any Injuries: If someone is injured, take care of their immediate needs and quickly call 911. It is typical to be jittery after such an event so catch your breath too.

Call police: Once you’re safely parked, you should call the police to file a report, especially if another party is involved. It’s important to always have documentation of how the accident happened. Some people want to settle the claim without going through insurance, but this comes with risks. The other driver may not live up to their word and without contacting the police, it turns into a he said, she said scenario.

Exchange Information: Exchanging insurance ID cards is always recommended. Be sure to have their name and phone number too. It’s simple to take a picture with your phone. Be sure to include the car’s license plate number, year, make and model too.

Take pictures/Gather any witness information: If you have a witness who wants to share their side of the story, jot down their phone number and name. Your insurance company will want to talk with any witness to the accident. Taking pictures also gives your insurance company more details on the damage of your vehicle.

Call your insurance company: Sometimes even though vehicles collide, the damages may be limited, so you’ll want to take a close look and determine if you want to pursue a claim or get an estimate first before calling your insurance company. If someone was injured or if you have major damage, it’s always best to call your insurance company immediately. Your insurance company can assist you with your claim so if you have taken pictures and provided all the information above, your claim can be settled quicker.

While we hope you never have to experience a car accident, being prepared will help you tackle the unfortunate situation.

If you have questions about your auto insurance, call H&K Agency. H&K Agency Inc. is a no-fee independent insurance agent specializing in property and vehicle insurance designed to fit your needs. We represent a variety of top insurance companies in Washington State who offer terrific coverage at the best prices.  Our services are available throughout Port Orchard WA, Bremerton WA, Silverdale WA, and the surrounding areas. For all of your personal insurance needs, give our knowledgeable agents a call at (360) 377-7645.