When people think of Indiana, they may think of the Indianapolis 500 race. Still, as a regular driver of a motor vehicle, you will want to follow the requirements and laws for auto insurance in Indiana.
The agents at the Gill Insurance Agency in Plainfield, IN understand the state requirements for auto insurance. Under Indiana law, all drivers must have at least bodily injury and property damage liability insurance. This type of policy will cover any injuries sustained by others involved in an accident that is determined to be your fault and will cover any property damaged in the accident.
Indiana law also requires each motorist to obtain an uninsured and underinsured insurance policy. This type of policy will cover medical payments for injuries sustained in a crash with someone who doesn’t have insurance or who has very little and will also cover property damage. In other words, if you or your passengers are injured due to an accident with someone with no insurance, your medical bills will be paid.
Comprehensive insurance is important to have, not only for your peace of mind but for the bank or other lender that loaned you the money for your vehicle. This type of policy will cover your vehicle if it is damaged or destroyed by a natural disaster, fire, or vandalism. It will also cover your vehicle if it is stolen.
This part of your auto insurance policy will cover damages to your vehicle whether you collide with another car or if you collide with an object, such as a telephone pole.
To determine the best auto insurance coverage for you and your vehicle, call upon the agents at the Gill Insurance Agency in Plainfield, IN for an appointment or quote today!
Your home is where so many of the big events in life are celebrated. It is also one of the largest investments you will ever make. Protecting it from all the hazards that can damage it is essential. Winter offers some unique challenges to homeowners. Having home insurance you can count on is a challenge that transcends the seasons. If you live in or near Plainfield, IN, Gill Insurance Agency believes in tailoring your insurance coverage to your particular needs. With access to a wide selection of carriers, we can make sure you get what you need at the best price.
Clean your gutters
As fall fades away, the residue of the season often lingers in your gutters and downspouts. Leaves can clog the gutters resulting in water backing up when you get heavy rain. Water backup can result in damage to not only your roof but the interior ceiling and walls.
Using your fireplace is a sure sign winter is on the way but don’t enjoy your first fire until you have had your masonry checked and your chimney cleaned. While you are waiting for the chimney sweep to arrive, you can get the wood ready for all those cozy evenings.
Being closed in for months makes it important to check the batteries in your smoke and carbon monoxide detectors. Especially if your home is sealed up nice and tight, carbon monoxide becomes an even greater danger.
Plug the leaks
It’s time to check all those little breezes that blow through your home from leaks around doors and windows. A little caulk and weatherstripping can keep the heat in and not leaking out.
When you are ready to discuss your home insurance needs, Gill Insurance Agency in Plainfield, IN is here for you. Give us a call or stop by our office for a free quote.
In the Plainfield, IN area, it continues to be important that you spend as much time as needed to consider your personal insurance needs. One form of insurance that those all over this area should spend time considering is life insurance. There are several reasons why getting this form of insurance here is an important investment for you.
Insurance Provides Financial Protection
Getting life insurance here is such an important investment because it can provide you with precious financial protection. Anyone that lives here and has dependants will need to make sure that they are cared for in the future. One of the best ways that you can do this is by getting life insurance. When you choose a life insurance policy, you can build a curtailed policy to meet the needs of those that rely on you.
Insurance Can Be a Good Addition to Investment Plan
Another way that life insurance can be a good option for you is that it can be a good addition to any investment plan. When you are looking for a life insurance option, you could consider getting whole life insurance. When you get a whole life insurance plan, it can offer you a form of insurance that also doubles as an investment option that can increase in value over time. This account can be liquidated in the future or posted as collateral.
As you are looking for life insurance in the Plainfield, IN area, you should call Gill Insurance Agency. If you do call the Gill Insurance Agency, you will receive a lot of guidance that is needed to choose the right life insurance policy to meet your needs. This can ensure you have the proper coverage that will protect those that rely on you.
Businesses of all sizes have vulnerabilities. Commercial insurance needs to be tailored to each particular business to ensure that protection is as complete as possible. You can never anticipate everything that will go wrong, but if you feel covered for most of them, that allows you to spend your time and energy making your business a success and not worrying about all the things that can hurt your bottom line. At Gill Insurance Agency in Plainfield, IN, we make it our business to know your business and provide the expertise you need to get the best policy for your business.
For your business to thrive, you need to have the products to do business. Commercial property insurance covers not only your building, but it also protects all the materials you need, like office equipment, electronics, inventory, raw materials, and more. You want to be back up and running as quickly as possible after the covered hazard happens.
Your employees are valuable assets. Hiring and retaining good help requires you to take care of them, and workers’ compensation insurance is one way to do that. Most employers in Indiana are mandated to carry worker’s compensation insurance. This insurance pays medical expenses and lost time when an employee is hurt on the job or performing their job.
Commercial liability insurance protects your business from legal actions against you. You can be sued for so many reasons these days, and a judgment could be large enough to devastate your business.
If your business is closed by a covered event, business interruption insurance can make the difference between surviving and having to close your doors. It helps to pay not only payroll but day to day operating expenses.
Commercial insurance is a valuable protection for your business. Gill Insurance Agency in Plainfield, IN can help you put together a policy that will give you the coverage you need. Please stop by the office or give us a call to discuss your needs.
After you get into an accident, the sheer adrenaline can start to unnerve you. No matter how it happened or who was at fault, even minor collisions can rattle the status quo. This is why it can be somewhat confusing to file an auto insurance claim in Plainfield, IN. Gill Insurance Agency wants you to have more information before you even start the process.
1. Start with the Information
Eye-witness accounts, police reports, photos: there are plenty of things that you can use to strengthen your version of the events. Because two people may view the same situation very differently, the point is to provide as many indisputable facts as possible. It may take a little extra effort, but you’re much more likely to come out ahead in this case.
2. Work with Your Insurer
An insurance carrier should be able to adjust their numbers based on the reality of the situation. For example, if a claims specialist estimates the repairs without seeing the car first and underestimates just how much is needed to fix the vehicle. Keeping a cool head and explaining the situation can go a long way to avoiding miscommunication that could result in a refusal to cover the damages.
3. Ask Questions
As difficult as it can be to consider your rates going up or what will happen if you’re found at fault, doing so puts you in control of the situation so you can be proactive as opposed to reactive. There may be steps you can take to mitigate your circumstances once you understand them.
If you want to learn more about auto insurance in Plainfield, IN, call Gill Insurance Agency to discuss how different kinds of policies will cover you under certain types of claims.
You’ve just put in all kinds of time and energy into a home renovation or upgrade. Maybe you added a new fence or wholly updated the kitchen. Whatever you did, it’s a great feeling to accomplish a new upgrade to any home. But what about insuring this upgrade? Should you tell your insurance company about it? We at Gill Insurance Agency want to make sure you have all the facts, so if you live around Plainfield, IN this is what you need to know.
Do You Need To Say Anything?
First of all, no, you don’t need to say anything. You can make your upgrade and not tell your insurance provider. This is one option, but it may not be the best way to go about protecting your home.
Protect Your Upgrade
You likely put in a considerable amount of time and money into your upgrade. If your kitchen is damaged and you just renovated your kitchen, do you want to spend the money all over again to redo the kitchen? If not, you’ll want to tell your insurance provider about the upgrade. By informing your insurance provider, they can adjust your policy and make sure it is protected. This way, no matter what happens to your home, you won’t be forced to pay out of pocket to redo what you already upgraded completely.
Proper Home Owner’s Insurance
You need to protect your home. The best way to do this is with home owner’s insurance. Whether you’re looking around for a new insurance provider or are considering the purchase of a new home, our staff here at Gill Insurance Agency here in Plainfield, IN is here to help and make sure you have all the information and answers needed to locate a policy designed just for you and your home.