Personal Insurance Archives - Page 9 Of 14 - Otterstedt Insurance Agency

Snow and Ice Removal: Slip and Fall Accidents

Written on January 16, 2018.

As winter approaches, it’s a good idea to have reminders of your rights and responsibilities, according to the law, for protecting other people from hazards on your property. Whether you rent or own a home or commercial property, you have specific responsibilities that need to be...

Winter Driving Safety Tips

Written on December 22, 2017.

Driving in severe weather conditions can be both dangerous and frightening. When heading out in harsh weather, you need to be prepared so you can effectively and safely handle winter road emergencies. AAA advises drivers to stay cautious when you’re driving in severe winter weather. Even an...

Should I File a Car Insurance Claim?

Written on November 29, 2017.

Most of the time, if you have a car accident, you should file an insurance claim to help pay for the costs of repairs. There are some occasions, though, when it might not be in your best interest to file a claim with your insurer, like those mentioned below. The Damages in a Single Car Accident...

What Does No Fault Insurance Mean in New Jersey?

Written on October 31, 2017.

As you most likely know, auto insurance is required in the state of New Jersey. Something that is somewhat different in New Jersey when compared to other states in the country is the existence of no-fault auto insurance laws. While the name implies that there is no fault assigned in auto...

Can I Have My Personal Auto Policy Added to My Business Policy?

Written on September 29, 2017.

Getting the right kind of auto insurance coverage to meet your needs, whether you’re insuring a business or personal vehicle can be a bit tricky. When you use the same vehicle for personal and professional purposes, though, it becomes trickier still – with many people wondering if they can add...

What Happens if You Get Hit By an Uninsured or Underinsured Motorist?

Written on September 19, 2017.

Different states have different laws in place to protect you, as a driver, from other motorists on the road. One of those is a minimum requirement for auto insurance. In New Jersey and in New York, all drivers on the road are required to carry a certain amount of liability coverage to protect...

Can Someone Sue You for a Car Accident if You Have Insurance?

Written on August 24, 2017.

If it turns out you were at fault for a car accident in New Jersey or surrounding areas, you may wonder how much money it will cost you. Along with the hassle, it could cost you a lot of money if you don’t have proper insurance. Even if it’s just a minor accident where there were...

What Type of Health Insurance is Needed for a Semester Abroad?

Written on July 28, 2017.

The opportunity to study abroad for a semester or more is one that is simply too good to turn down for many students. There are lots of benefits to studying abroad, ones that should not be quickly dismissed, including: The opportunity to learn, firsthand, about new cultures.Improving...

7 Steps To Prepare Your Home for Hurricane Season

Written on July 18, 2017.

Hazardous weather impacts New York and New Jersey residents frequently — including hurricanes. In fact, the Insurance Information Institute’s reports that homes in the states of New York and New Jersey had property damage because of one of the three most costly hurricanes in the...

The Top 5 Things You Should Do When Your Windshield is Damaged

Written on June 29, 2017.

A damaged windshield can really cramp your style when driving. Not only does it mar the perfection of the car you’ve invested so much in, but it also can cause issues with visibility and your field of vision. This limited field of vision can put your ability to drive defensively at risk....