Q: Why should I deal with an insurance broker like Martin & Wright instead of dealing directly with an insurance company or agent?
The benefit in dealing with an insurance broker such as Martin & Wright is that our primary obligation is to you. We represent more than one company so our focus is on what you need. We then set out to find the most comprehensive coverage at the most competitive rates. For example our qualified, professional brokers will:
• Provide advice on a wide range of coverage plans that are specific to your needs (home / auto / business).
• Ensure that your coverage is up-to-date and keeping pace with changing circumstances.
• Communicate a solid understanding of the various insurance companies we represent.
• Stand by policyholders when making a claim.
Q: What should I do if I’m involved in an automobile accident?
To protect both yourself and your interests, do the following:
• Do not admit liability.
• Call the police immediately, and an ambulance if necessary.
• Record details of the accident including date, time, location, a description of the accident, any injuries and any charges laid.
• Record details concerning the other party and vehicle such as owner’s name and address, phone number, and vehicle year, make and model.
• Obtain the insurance information of the other driver. This includes the name of the insurance company, the policy number, and the name of the broker or agent.
• Obtain third party's driver's license number
• Obtain a copy of the police report from the attending officer as this will include the accident report number for future reference.
Q: How can I control my insurance costs?
A: For all policies:
1) Review policies with your insurance broker to ensure that you are adequately insured.
2) Raise your deductibles for all policies. Accepting the risk for small losses can save you money.
3) Report insurance fraud to the appropriate authorities
4) Ask about all applicable discounts such as non smokers, retiree and home and auto discounts.
B: For car insurance:
1) Not all cars are created equal; some cost less to insure because of lower repair costs and risk of theft. Ask your broker before you buy.
2) Install an anti-theft system.
3) Avoid tickets. The better your driving record, the lower your premiums.
4) Avoid claims by preventing collisions. Drive defensively, sober and awake.
5) Where possible, take public transportation to and from work.
C: For commercial insurance:
1) Ensure that your employees are aware of safety and hiring practices as well as your workplace’s harassment policies.
2) Consult with your insurance broker before expanding into different geographical areas. Cost may vary dramatically.
3) Ask your broker about arranging a complete loss prevention audit to identify possible hazards and offer solutions to reduce exposure to a broad range
of risks- from injuries and fire to fraud and theft.
Q: Can you help me with my claim?
A: Your insurance broker can. Assistance with a claim and serving as your advocate in dealing with the insurance company are among the many services offered by a broker. If your claim occurs on the weekend you may contact the claims department corresponding to your insurance listed under the CLAIMS tab on our website.