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What Is Diminished Value And What Has It To Do With Auto Insurance?

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Indiana is among the states supporting diminished value. This means that if you’re in an accident, the repair of your vehicle means retaining its resale value. Most cars in accidents don’t. 

Completely Independent Insurance Agency will help you file a diminished value claim against the at-fault party.

You’ll have to meet some requirements first such as:

*Repair documentation and pictures

*If you were at fault, you’re not eligible for diminished value

*The statute of limitations in Zionsville, IN is two years

Here’s what else you should know:

Isn’t Diminished Value The Same As Depreciation?

No. Diminished value is the difference between a vehicle’s value after repair from an accident and a vehicle’s value after normal wear and tear over time. When selling a diminished-value vehicle, it’s like he’s selling an ordinary car.

Diminished Value Claims

The statute of limitations for diminished value claims is two years. Uninsured and underinsured motorist coverage is available for diminished value, but not in the case of hit-and-run. There is law backing all this up, so if the at-fault party takes you to court, your Zionsville, IN attorney could win the case.

How It Works

It’s best if you hire a professional to prepare the pictures and documentation, such as a diminished value appraisal, for the insurance companies. Make sure this expert is of good reputation with plenty of experience and good reviews.

The claim with its corroborating evidence will be submitted to the at-fault driver’s insurance company. When you hire the diminished value expert (and having an attorney handy is a good idea), they’ll negotiate with the insurance company for an acceptable settlement.

Completely Independent Insurance Agency understands Indiana auto insurance. We’re standing by to help when you call or come by the office to learn more about it.

How can a landlord insurance plan protect my property?

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Owning a rental property can be a great option for people in the Zionsville, IN area. When you are an investment property owner, you will enjoy having an income-producing asset that can also appreciate in value. When you get this type of investment property, you do need to get the proper insurance for it. A landlord insurance plan can protect your Indiana investment property in various ways. 

Property Protection

One of the advantages of having a landlord insurance plan is that it can protect your property. With tenants occupying your home, you have less control over potential damage caused by negligence, fire, or other risks. When you have landlord coverage, you will have the support needed to make repairs. If the property cannot be occupied for a period of time during remediation, you may also receive coverage for any income you lost during that time.

Liability Support

There are also more liability risks that come when you rent a property out to a third party. If a tenant, or their visitor, is injured while on your premises, you can be held liable. If this happens, the cost to cover medical bills and other damages can add up quickly. If you continue to carry a landlord insurance plan, you will get support to mitigate this risk.

Reach Out To Us

If you are a property owner in the Zionsville, IN area and intend to lease the home out as an investment property, having landlord insurance is extremely important. As you are looking to build a new policy in this part of Indiana, you should call our team with the Completely Independent Insurance Agency. There are a lot of important choices to make when you are shopping for a plan, and our team with Completely Independent Insurance Agency can help you build a new policy. 

Protection You Didn’t Know You Needed as a Contractor

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As a general contractor, your daily work involves risk. You prepare for that risk with safety measures. Your contracting business deserves the same protection! Completely Independent Insurance Agency is here to serve Zionsville, IN area business owners with all their insurance needs. 

You can protect your business with a few steps:

Plan for emergencies.

Emergencies happen every day. The best way to deal with them is to plan for emergencies on your worksites and train your employees to respond. Employees should have a clear emergency plan to follow in case of fire, earthquake, flood, or other disaster.

Provide safety equipment.

Injuries on the job can be devastating and costly to you, your employee, and your business. Hard hats should be provided for all employees at construction sites and employees that use heavy machinery or specialty equipment should have gloves, goggles, and any other recommended items. 

Secure valuables.

Unfortunately, theft is an everyday occurrence no matter where you live or work. Encourage your employees to secure valuables such as wallets, electronics, and jewelry in a safe place like their vehicle, or provide a locker and lock for employee belongings.

Reach Out To Us

Sometimes, despite our best efforts, disaster strikes. That’s where insurance products come in to protect you, your employees, and your business. There are several types of insurance that may be beneficial to your business. These can include builder’s risk insurance, commercial auto insurance, and business property & liability insurance. Some types of insurance are required for any business by Indiana law, such as worker’s compensation.

Just like you and your employees use the right tools for every job, Completely Independent Insurance Agency in Zionsville, IN has the right tools for the job when it comes to protecting your small business interests. Contact us today for more information on how we can help you protect your most valuable asset: your contracting business!

Documents you should always keep in your vehicle

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Driving is a necessity for most people. Public transportation is not an option in many small cities and towns. At  Completely Independent Insurance Agency in Zionsville, IN, we know how important driving is to our customers, and we make sure that they know the necessary documents they need to carry with them in their vehicles at all times. 

Documents you should always keep in your vehicle

Your auto insurance card

In the state of Indiana, you are required to carry auto insurance. The requirements are 25/50/25. This is $25,000 for injuries sustained by the first person in an auto accident where you are named as the responsible party. The total for all inured persons is $50,000. $25,000 is required for damage to property. Drivers are also required to have $50,000 in uninsured and underinsured drivers unless they opt out of this coverage in writing. Your auto insurance card is proof that you need to carry that you have auto insurance coverage. 

Your vehicle registration 

Vehicles in Indiana need to be registered with the state. The registration document identifies your vehicle by the VIN number so that you can prove that you are the owner of the vehicle you are in possession of.  You must always have an active registration to be on the road in your vehicle. If you are pulled over by law enforcement, you will be asked to show your registration, so make sure you keep it in your glove box. In some counties, you will need to get an emissions test. Be sure to check if it applies to you. 

Your driver’s license

Most people keep their driver’s license in their wallet as a form of ID. Make sure to carry your wallet with you anytime you are driving your vehicle. 

Keep Your Insurance Policy Updated

Contact Completely Independent Insurance Agency in Zionsville, IN for all your auto insurance needs.