Monthly Archives: July 2018

Finding Adequate Insurance When You Have a Bad Driving Record

Are you a driver with a bad driving record in the Lakewood, CO area? Past mistakes should not prevent you from securing the adequate car insurance that you need to protect yourself and your family. The team at Colling Insurance Services, Inc. are here to help you secure appropriate insurance and move forward with your life!

A Less than Perfect Driving Record Should Not Hold You Back from a Bright Future

One of the most helpful actions that you can take to improve the quality of auto insurance options that are available to you is to enroll in a Safe Driving Course. Whenever possible, take the necessary steps to reduce the "points" associated with your driving record as they can have a negative impact on you during your quest to obtain insurance. In the worst case scenario, you may be placed into a high-risk pool that will provide coverage but is less than ideal position to be in. If this happens to you, we recommend that you meet with one of our qualified agents to learn more about the steps that you can take to improve your driving record and secure appropriate auto insurance outside of the high-risk pool.

We all make mistakes, and while there must be accountability, there is no reason for a bad driving record to hold you back from a bright future. Our team is knowledgeable about the options available to clients with a less than a stellar driving record, and they can also help you to improve your overall profile. A proactive approach that includes a plan for the future is highly recommended.

Don’t let a bad driving record hold you back, contact Colling Insurance Services, Inc. today to learn more about your insurance options in the greater Lakewood, CO area.

My Neighbors Tree Fell on My House: Whose Home Insurance Policy Should the Claim Be Filed With?

At Colling Insurance Services Inc. serving the greater Lakewood, CO area, we realize that there is a lot of confusion over filing certain types of homeowners insurance claims. One scenario is when a tree falls from one person’s property onto another person’s property and causes damage, such as hitting their home. The parties may be unsure as to whose homeowners insurance policy the claim should be filed with. 

Unfortunately, though, there is not a one size fits all answer to this question and the answer as to which insurance company the claim should be filed with varies. 

As a general rule of thumb, if the tree fell because of strong wind gusts or floods, the neighbor whose home was damaged would file a claim with their insurance company. Their insurance company covers random acts, such as wind gusts, and is designed to cover these events. On the other hand, if the tree toppled over because it was not properly cared for and maintained, and the tree owner was negligent, the claim should be filed with their homeowner’s insurance company. 

If your home was damaged due to a neighbor’s tree hitting it, you may be unsure as to which company to file a claim with. When in doubt, file a claim with your homeowner’s insurance. if the other party has liability for the damage, your insurance company can go after them or their insurance company to recoup the money. 

Having the right amount of homeowners insurance is key in the event something unexpected like this occurs. Do you have the right amount of coverage? Contact Colling Insurance Services Inc. serving the greater Lakewood, CO area today to discuss your insurance needs with us.