Monthly Archives: April 2019

What Factors Void a Home Insurance Policy?

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Home insurance is something that is essential for anyone that owns a home. It protects your home from fire, from storm damages, from break in and more. This is a great way to make sure that your home is protected and that you are not going to be out a great deal of money if something happens. If you live in the Wayzata, MN area, the agents with Pizano Insurance can help you to find the home policy that is going to work best for you and your home.

Home policies are not as difficult to void as you might imagine. There are many factors that might void a home policy. A great example is arson, if it is found that you were the one that caused a fire that burned your home down, then in all likelihood you will end up in jail and your home policy is not going to pay out. Another example would be if someone got injured on your property and it was the direct result of your negligence. In this case your home owner’s policy is not going to pay out. Another event in which your home owner’s policy is not going to be valid is if you do not pay your premiums or if it is proven that you are providing fraudulent information to your insurance company.

You should take the time to get all your policy information to find out what the policy covers. Your homeowner’s policy is crucial and can make a world of difference in how easy it is to come back after something terrible happens to your home. If you live in the Wayzata, MN area, the agents with Pizano Insurance can help you to find the right insurance policy for your needs.  

What to do if you are at fault in an accident

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Minnesota is a "no-fault" state when it comes to car insurance. This means the insurance companies pay for damage to their customer’s car, and for any injuries, regardless of who is at fault.  In Minnesota fault still matters because you could still be sued, or file a suit, against another driver if the damages are big enough. Pizano Insurance in Wayzata, MN is here to help you get the coverage you need and to help you understand what no-fault insurance means.

If you are in an accident in Minnesota, and your damages do not exceed $20,000, you only have to go to your own insurance company to file a claim for damages. The other driver will do the same. 

For minor fender-benders, there is no need to get too concerned. However, you should still not sign anything or admit anything The procedure is pretty much the same for any accident though. Stop your car and turn off the engine. Call 911 and see if anyone is injured. Exchange information with other drivers. If you have any injuries, even if they seem small, seek medical attention. From there you only need to contact your insurance agency.

If it is a major accident with major damages, or if someone is killed, there may be more legal issues. Be cooperative but do not admit fault or sign anything.

Stop by, or call Pizano Insurance in Wayzata, MN to make sure you have the insurance you need on your car There are minimum requirements for coverage, and many people want more insurance than the minimum.  Liability coverage is the minimum required, but many people want comprehensive and collision coverage to protect their own car.  Existing customers are invited to stop by and make sure their policy is up to date.